Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Discover as the data furnisher responsible for a XX/XX/XXXX late payment mark on my XX/XX/XXXXCredit report. LEGAL NAME CHANGE : Discover has my new legal name on file : XXXX XXXX XXXX. I previously disputed this late payment throughXX/XX/XXXX under CFPB complaint # XXXX, attaching my XX/XX/XXXX billing statement as evidence. XX/XX/XXXXreturned a " Verified as Reported ''. No portal documentation was provided, no method of verification was disclosed, and the documentary evidence I submitted was not addressed. That outcome does not satisfy the FCRA 's reinvestigation requirements. My XX/XX/XXXX billing statement for the period XX/XX/XXXX through XX/XX/XXXX contradicts the late payment designation on every material point : Fees Charged : {$0.00}. Discover 's own cardholder agreement and federal Regulation Z require disclosure of fees when assessed. No late fee appears on this statement. Under Discover 's terms, a late payment triggers a fee of up to {$41.00}. The complete absence of any fee is Discover 's own record confirming no late payment occurred. XXXX autopayment active and confirmed.The statement explicitly states : " Your next XXXX automatic payment of {$41.00} will be on XX/XX/XXXX. '' An enrolled autopay scheduled to process the minimum payment on or before the due date is structurally incompatible with a XXXX late designation. No past due balance. The statement shows {$0.00} past due and contains no delinquency language of any kind. XXXX XXXX. XXXX ( b ) Furnisher Duty to Investigate. Upon receiving notice of a dispute from a consumer reporting agency, a furnisher must conduct a reasonable investigation of the disputed information, review all relevant information provided, and report accurate results. Discover, as the original furnisher, can not satisfy this duty by simply reconfirming the data it originally submitted. A reasonable investigation requires reviewing actual account records : payment transaction logs, fee assessment history, and autopay processing records. XXXX XXXX. XXXX ( a ) XXXX XXXX of XXXX. Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Discover 's own billing statement contradicts the late payment designation. Continuing to furnish this mark after receiving documented evidence of its inaccuracy constitutes a violation of this section. XXXX XXXX. XXXX ( a ) ( XXXX ) Method of Verification. When a consumer requests the method of verification used in a reinvestigation, the consumer reporting agency and furnisher must provide it. I am formally invoking this right. I demand full disclosure of the method of verification used to conclude this item was " Verified as Reported, '' including : what specific records were reviewed, what systems or databases were queried, and what response Discover provided to XX/XX/XXXX during the reinvestigation process. XXXX XXXX. XXXX ( a ) ( XXXX ) Deletion of Unverifiable Information. If Discover can not produce transaction level documentation demonstrating that the XX/XX/XXXX payment posted after the due date, the information is unverifiable and must be deleted from myXX/XX/XXXX Credit report. Regulation V / XXXX C.F.R. Part XXXX Accuracy and Integrity of Furnished Information. The CFPB 's furnisher accuracy rules require that furnished information be complete, accurate, and reflect the terms of the account. Reporting a late payment when the account 's own statement shows {$0.00} fees and active autopay violates the accuracy and integrity standards required of all furnishers.

Company response to consumer: Closed with explanation