Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
1. Summary of Complaint I am filing this complaint against Capital One for inaccurately reporting two closed credit card accounts with derogatory remarks, including false references to a discharged bankruptcy, late payments, and closed by credit grantor notations. These remarks are factually incorrect, legally misleading, and unsupported by any documentation. 

Importantly, there is nXXXX XXXX  XXXX or XXXX XXXXXXXX bankruptcy present anywhere on my credit report, yet Capital Ones records imply a discharge, which is a serious legal misrepresentation. I have made multiple attempts to challenge this reporting directly with Capital One and through the credit bureaus. They have failed to validate the information or provide any original contracts, billing records, or formal bankruptcy documents.

2. Accounts in Question Creditor : Capital One Account Ending in XXXX : Closed Account Ending in XXXX : Closed Remarks : Closed by XXXX XXXX Delinquent history not tied to actual late billing References to bankruptcy discharge with no bankruptcy on file 3. Violations and Legal Framework FCRA 1681e ( b ) Accuracy of Reporting Furnishers must report with maximum possible accuracy. False bankruptcy notations violate this standard. Reporting derogatory information without underlying evidence ( such as billing history or court orders ) is unlawful.

FCRA 1681s-2 ( b ) Duty to Reinvestigate Capital One is required to conduct a reasonable reinvestigation upon dispute. They have failed to verify any aspect of these accounts with documentation, including : Payment history proving actual lateness Legal discharge orders Any bankruptcy case number tied to me Failure to produce any of these makes continued reporting noncompliant.

FCRA 1681i ( a ) Dispute Resolution Process Creditors can not rely solely on internal records or legacy data. They must independently verify all negative information challenged by the consumer.

CFPB and FTC Interpretation Furnishers are not required to report negative items, but if they choose to do so, they must provide verified, contextual, and non-misleading data. Reporting a bankruptcy discharge that never occurred is deceptive and causes material harm.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) If creditors can not produce billing statements showing the specific delinquency or default, they can not legally maintain that the account was delinquent or in default at charge-off.

Case Law Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) Even technically correct data may violate the FCRA if it gives a false overall impression of the consumers financial reliability.

False Bankruptcy Claim Federal Concern Falsely associating a consumer with a bankruptcy carries serious consequences. It may be construed as defamation, reckless furnishing, or intentional interference with creditworthiness under federal and state law.

Company response to consumer: Closed with explanation