Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Failure to Correct Errors Capital One & Credit Bureau ( s ) To Whom It May Concern, I am submitting this formal complaint regarding Capital One and the reporting credit bureau ( s ) for ( 1 ) knowingly reporting false information on my credit history, ( 2 ) refusing to correct the errors after multiple disputes, and ( 3 ) unlawfully sharing my personal identifying information with third-party entities without my consent. 

1. Inaccurate and Harmful Credit Reporting The Capital One account ending in XXXX has been inaccurately reported in the following ways : The payment due date on this account has always been the XXXX of each month, and I consistently paid on time. 

In XX/XX/year>, Capital One incorrectly coded this account as included in bankruptcy, even though this account was never part of my bankruptcy. A different Capital One account was included not this one. 

When I attempted to make payments in XXXX and XX/XX/year>, Capital One refused to accept payment, stating that the account could not be paid on because of the erroneous bankruptcy coding. 

The account was later reported as 30 day late for XXXX and upon the results of my dispute, now also reporting another 30 day delinquency as of XX/XX/year>, even though : The XXXX payment was attempted but blocked by Capital One, and The XXXX payment was not even due until XX/XX/XXXX at the time it was reported late. I also, contacted Capital One and spoke with XXXX - Collections to pay off this account in full in the amount of {$2500.00}. She indicated that she would send an email to the resolution Dept and i would need to call back in 5 days. I can not afford another delinquency on my report in error or further delays on their behalf. 

This reporting is factually untrue and resulted entirely from Capital Ones internal error, not any failure to pay on my part. 

2. Damaging Credit Impact As a direct result of the inaccurate late-payment reporting : My credit scores dropped by approximately XXXX points, causing significant financial harm, credit denial risk, and negative impact on my creditworthiness. 

3. Unlawful Disclosure of Personal Information Additionally, I have reason to believe that the credit bureau ( s ) shared and/or sold my personal information to Sage Stream and Credit Karma without my consent or a permissible purpose. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681b ( FCRA 604 ), consumer reporting agencies may not furnish a consumer report to any person or entity without a specific, permissible purpose as defined by law. 

No such permissible purpose exists for : XXXX XXXX obtaining or using my data XXXX XXXX accessing or distributing my credit information Further, under the GrammLeachBliley Act ( 15 U.S.C. 68016809 ), both creditors and credit bureaus are required to : Safeguard consumer personal information, and Provide an opt-out option before sharing nonpublic personal information with third parties No such notice, disclosure, or opt-out opportunity was ever provided to me. 

These failures constitute : Violation of FCRA 604 ( Permissible Purpose ) Violation of FCRA 609 ( e ) ( Right to Know Disclosure ) Violation of GLBA Consumer Privacy Protections Civil liability under FCRA 616 and 617

Company response to consumer: Closed with monetary relief