Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Capital One Bank ( USA ), N.A. for inaccurate post-bankruptcy credit reporting. 
My XXXX  XXXX bankruptcy was XXXX on XX/XX/year> in the U.S. Bankruptcy Court, Central District of California, Case No. XXXX. Under 11 U.S.C. 524 ( a ), creditors are permanently enjoined from attempting to collect or report discharged debts as due. 

Despite this, Capital One continues to furnish inaccurate data to XXXX  on XXXX separate accounts : Capital One # XXXX reporting Account charged off / {$6800.00} written off instead of showing {$0.00} and Included in Bankruptcy / Discharged.

Capital One # 2 reporting Account charged off instead of showing {$0.00} and Included in Bankruptcy/ Discharged.

These accounts are being reported correctly by other credit bureaus but remain incorrect on Experian, demonstrating that Capital One is furnishing inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

I have provided proof of my bankruptcy discharge order and have previously disputed these tradelines, yet Capital One has failed to update the records. This is willful and/or negligent noncompliance under 15 U.S.C. 1681no, which provides for statutory damages, actual damages, punitive damages, and attorneys fees. 

I am requesting that the CFPB require Capital One to immediately correct both accounts to reflect : Included in Bankruptcy / XXXX/ {$0.00} Balance / Closed with no past-due amount, no charge-off notation, and no payment history after the bankruptcy filing date. 

Attached are : My Order of Discharge XXXX  XXXX dated XX/XX/year>. 
Screenshots of the inaccurate reporting from XXXX. 
I am filing this complaint against Capital One Bank ( USA ), N.A. for inaccurate post-bankruptcy credit reporting. 
My XXXX  XXXX bankruptcy was XXXX on XX/XX/year> in the XXXX Bankruptcy XXXX, XXXX XXXX XXXX California, Case No. XXXX. Under 11 U.S.C. 524 ( a ), creditors are permanently enjoined from attempting to collect or report discharged debts as due. 

Despite this, Capital One continues to furnish inaccurate data to XXXX  on XXXX separate accounts : Capital One # XXXX reporting Account charged off / {$6800.00} written off instead of showing {$0.00} and Included in Bankruptcy / Discharged.

Capital One # 2 reporting Account charged off instead of showing {$0.00} and Included in Bankruptcy/ Discharged.

These accounts are being reported correctly by other credit bureaus but remain incorrect on Experian, demonstrating that Capital One is furnishing inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

I have provided proof of my bankruptcy discharge order and have previously disputed these tradelines, yet Capital One has failed to update the records. This is willful and/or negligent noncompliance under 15 U.S.C. 1681no, which provides for statutory damages, actual damages, punitive damages, and attorneys fees.

I am requesting that the CFPB require Capital One to immediately correct both accounts to reflect : Included in Bankruptcy / Discharged/ {$0.00} Balance / Closed with no past-due amount, no charge-off notation, and no payment history after the bankruptcy filing date. 

Attached are : My Order of Discharge XXXX  XXXX dated XX/XX/year>.

Company response to consumer: Closed with explanation