Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Urgent Complaint Systemic FCRA Violations, Litigation Abuse, and Improper Dispute Handling by Capital One, N.A. 

To Whom It May Concern at the CFPB, I am filing this urgent complaint against Capital One, N.A. and its legal representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for persistent, willful, and harmful violations of the Fair Credit Reporting Act ( FCRA ) and for using the court system to harass and financially harm me through abusive and fragmented litigation tactics, while undermining your Bureaus dispute resolution process. 
Overview : I filed a formal CFPB complaint on XX/XX/XXXX ( XXXX XXXX. XXXX ) against Capital One after their ongoing refusal to verify or correct disputed tradelines spanning back to XXXX. 
Capital One failed to respond with documentation verifying the debt or correcting clearly inaccurate and inconsistent credit reporting data. 
Instead of addressing the dispute in good faith, they continued verifying the debt with the credit bureaus as accurate, in direct violation of FCRA 1681s-2 ( b ). 
They never marked the account as disputed on my credit file as required by FCRA 1681s-2 ( a ) ( 3 ). 
The account was eventually sold to a third-party debt buyer, while still under formal dispute and never properly verified. 
Systemic Pattern of Abuse : Capital One is now engaging in a systemic and abusive pattern of debt litigation by fragmentation : Multiple lawsuits have been filed on the same unresolved, disputed account across different judicial divisions in Florida. 
These lawsuits were filed during an active CFPB complaint, but your office has closed all subsequent complaints as " duplicates '' despite Capital One escalating misconduct after the initial filing. 
This is an exploitation of procedural delays and a manipulation of timing to obtain default judgments on unverified debts. 
They are attempting to suppress legal scrutiny while continuing to violate consumer protection laws. 
Summary of Violations : Capital One has committed multiple, ongoing FCRA and consumer protection violations, including : Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 1681s-2 ( b ) : o Failing to conduct a reasonable investigation of disputes received from the CRA or CFPB.

o Failing to correct inaccurate information within 30 days.

o Continuing to verify inaccurate and disputed accounts without documentation.

2. 1681s-2 ( a ) ( 1 ) ( A ) : o Reporting information known or believed to be inaccurate. 
3. 1681s-2 ( a ) ( 3 ) : o Failure to mark the account as disputed when the consumer notified the CRA and furnisher.

4. 1681e ( b ) : o Failure to maintain reasonable procedures to ensure maximum possible accuracy.

5. 1681i ( a ) ( 5 ) ( A ) : o Refusing to delete unverifiable information after failing to validate within the required timeframe.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) via their legal representatives : 1. 15 U.S.C. 1692e : o Misrepresentation of the legal status of the debt in state filings.

2. 15 U.S.C. 1692g ( b ) : o Continuing collection efforts before validating disputed debts. 
XXXX. 15 U.S.C. 1692d : o Engaging in conduct intended to harass, oppress, or abuse ( through repetitive litigation and fragmented lawsuits ).

Florida Consumer Law Violations : FDUTPA ( Fla. Stat. 501.201 et seq. ) : Capital One and its legal representatives have engaged in unfair, deceptive, and unconscionable acts by : o Filing lawsuits on unverified debt. 
o Omitting active disputes from court pleadings. 
o Misrepresenting account status while knowing it was under formal dispute. 
________________________________________ Additional Facts : From XX/XX/XXXX through XXXX, XXXX XXXX XXXX represented me and submitted formal disputes to Capital One and all three CRAs. 
Capital One never responded to XXXX XXXX with validation of the debt. 
Despite this, Capital One continued to verify the debt with XXXX XXXX XXXX XXXX, creating discrepancies across my reports. 
My credit reports reflect different balances, statuses, and reporting dates, all derived from the same unverified tradeline. 
I have filed a Motion to Vacate Default Judgment in the state court due to Capital Ones misrepresentation of facts and abuse of judicial process. 
Your offices closing of each subsequent complaint as a duplicate allows Capital One to escalate their conduct and continue harming me. 
Harm to Me : I am a XXXX, currently serving as full-time caregiver to a XXXX family member while working full time. 
I have suffered severe credit damage, emotional distress, and financial instability because of this ongoing abuse. 
This conduct has caused depressed credit scores, loss of housing opportunities, and unfair legal exposure, all while my disputes remain unresolved. 

It is terrible tha they have approved the merger with XXXX with this type of unethical and reprehensible behavior. 

Thank you for your attention to this serious matter. I respectfully urge the CFPB to intervene in this clear abuse of process and failure to comply with federal consumer law.

Company response to consumer: Closed with explanation