Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
CFPB Complaint - Inaccurate and Unverified Credit Reporting Consumer Information Credit bureaus or furnishers involved : XXXX XXXX XXXX Complaint Summary The consumer, XXXX XXXX XXXX, is filing this complaint due to inaccurate and unverified credit reporting by multiple credit bureaus and furnishers. Despite previous disputes, certain accounts remain inaccurately reported, causing significant harm to the consumer 's credit profile. The Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2 require credit reporting agencies and furnishers to maintain accurate information and conduct proper investigations into disputed items. 

The consumer has experienced adverse effects due to these inaccuracies, including incorrect credit data and failures to correct or verify disputed information. These errors have resulted in financial and reputational harm, including potential loan denials and increased interest rates. 

Disputed Accounts XXXX XXXX XXXX Account # : XXXX [ XXXX  ] Issue : Duplicate derogatory reporting. 

Violation ( s ) : FCRA 1681e ( b ) - Failure to maintain accurate information. 

CAPITAL ONE AUTO FINAN Account # : XXXX [ XXXX  ] Issue : Unverified account status. 

Violation ( s ) : FCRA 1681s-2 - Furnisher obligations to report accurate information. 

XXXX XXXX  Account # : XXXX [ XXXX  ] Issue : Unverifiable debt. 

Violation ( s ) : FCRA 1681i - Failure to conduct a reasonable investigation. 

XXXX XXXX XXXX  Account # : XXXX [ XXXX  ] Issue : Unverified collection account. 

Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting. 

XXXX XXXX Account # : XXXX [ XXXX  ] Issue : Incorrect status and balance. 

Violation ( s ) : FCRA 1681e ( b ) - Failure to ensure accuracy. 

XXXX Account # : XXXX [ XXXX  ] Issue : Duplicate reporting. 

Violation ( s ) : FCRA 1681s-2 - Furnisher obligations. 

XXXX Account # : XXXX [ XXXX  ] Issue : Incorrect charge-off status. 

Violation ( s ) : FCRA 1681e ( b ) - Inaccurate reporting. 

XXXX Account # : XXXX [ XXXX  ] Issue : Unverified charge-off. 

Violation ( s ) : FCRA 1681i - Failure to conduct a reasonable investigation. 

CAPITAL ONE Account # : XXXX [ XXXX  ] Issue : Duplicate derogatory reporting.

Violation ( s ) : FCRA 1681e ( b ) - Failure to maintain accurate information. 

Hard Inquiry Disputes XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : [ TransUnion ] Issue : Unauthorized inquiry. 

Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 

XXXX XXXX XXXXXXXX Date of inquiry : XXXX Bureau ( s ) reporting it : [ XXXX  ] Issue : No permissible purpose. 

Legal Reference : FCRA XXXX - Permissible purposes of consumer reports. 

XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : [ XXXX  ] Issue : Unauthorized inquiry. 

Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 

XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : [ XXXX  ] Issue : No permissible purpose. 

Legal Reference : FCRA 604 - Permissible purposes of consumer reports. 

XXXXXXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : [ XXXX  ] Issue : Unauthorized inquiry.

Legal Reference : FCRA 604 - Permissible purposes of consumer reports.

Legal Reference : FCRA 1681e ( b ) - Inaccurate personal info reporting. 

Legal Basis The following statutes are relevant to this complaint : FCRA 1681i - Procedures in case of disputed accuracy.

FCRA 1681s-2 - Responsibilities of furnishers of information.

FCRA 1681e ( b ) - Accuracy of report.

Metro 2 guidelines - Industry standard for data formatting.

Consumer Harm The inaccuracies and failures to correct disputed information have caused significant harm to the consumer, including loan denials, higher interest rates, and potential impacts on job and housing opportunities. The consumer has experienced financial stress and reputational damage due to these errors. 

Requested Resolution The consumer respectfully requests the following resolutions : Permanent deletion of unverifiable and inaccurate items. 

Full reinvestigation and documentation of disputed accounts. 

Correction of any illegal or incorrect reporting on the credit report.

Company response to consumer: Closed with explanation