Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
XXXX CONSUMER INFORMATION Name : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX : XXXX : XXXX / SSN : [ XX/XX/year> / XXXX ] XXXX DISPUTED ACCOUNTS & e-OSCAR CODES CAPITAL ONE XXXX XXXX XXXX Account : [ Insert full or last XXXX digits ] e-OSCAR Codes : XXXX Not mine / no permissible purpose XXXX Account information inaccurate XXXX Balance inaccurate XXXX Status inaccurate XXXX Consumer has no knowledge / can not be verified Reason ( short ) : Account is reported as charged off while simultaneously showing balances owed and past-due amounts. Reporting is inaccurate, misleading, and unverifiable. No proof of permissible purpose, written authorization, or proper validation has been provided. 

CAPITAL ONE BUSINESS ACCOUNT Account : [ Insert full or last 4 digits ] e-OSCAR Codes : XXXX Not mine / no permissible purpose XXXX Account information inaccurate XXXX Balance inaccurate XXXX Status inaccurate XXXX Multiple inaccuracies causing misleading reporting Reason : Business tradeline is inaccurately reported with conflicting balance and status information after charge-off. Capital One has failed to verify accuracy in compliance with FCRA and Metro 2 reporting standards.

Demand : Delete all inaccurate, unverifiable, or unauthorized information pursuant to 15 USC 1681i & 1681s-2 ( b ) and provide written confirmation of deletion.

3 CFPB COMPLAINT ( PRE-FILLED ) Company : Capital OneIssue : Credit reporting / debt collection / charged-off accounts Complaint Narrative ( paste as is ) : Capital One is furnishing charged-off accounts on my consumer credit reports with inaccurate and misleading information. The accounts are reported as both charged off and past due with balances owed, which violates the Fair Credit Reporting Act and Metro 2 reporting standards. 
I dispute the accuracy, completeness, and legal authority of this reporting. Capital One has failed to provide proof of a permissible purpose, written authorization, or proper validation of the alleged debts. 
I have issued a formal FCRA dispute and FDCPA cease and desist. Continued reporting and collection activity without verification violates 15 USC 1681s-2 ( b ), 1681i, and 1692c.

Desired Resolution : Delete tradelines Correct reporting Written confirmation Cease collection activity XXXX XXXX XXXX ATTORNEY GENERAL COMPLAINT Business : Capital OneConsumer Harm : Credit damage, unlawful reporting, continued collection activity Statement : I am a XXXX XXXX  consumer disputing Capital One charged-off accounts that are being reported inaccurately and without proper verification. Despite written notice, Capital One continues to report conflicting balances and past-due amounts after charge-off. 
This conduct violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act and has caused ongoing financial harm. I am requesting the Attorney Generals office investigate and require deletion of the inaccurate Capital One accounts. 

XXXX CERTIFIED MAIL LETTER ( FINAL VERSION ) Send Certified Mail Return Receipt Requested To : XXXX XXXXAttn : Compliance / Legal Department Re : Cease & Desist and Demand for Deletion FDCPA & FCRA Pursuant to 15 USC 1692c ( c ), you are hereby directed to cease all communication regarding the referenced accounts.

Under 15 USC 1681s-2 ( b ), you are required to conduct a reasonable investigation of disputed information. The Capital One accounts listed are inaccurately and misleadingly reported as charged off while simultaneously reflecting balances owed and past-due amounts. 
You are demanded to immediately delete all inaccurate, unverifiable, or unauthorized information from all consumer reporting agencies and provide written confirmation. 
Failure to comply will result in complaints filed with the CFPB, FTC, and XXXX XXXX Attorney General, and may result in legal action. 
Signature : XXXX, XXXX Prejudice All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief