Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Between XXXX and XXXX, multiple credit reporting agencies have reported inaccurate, unverifiable, and incomplete information on my credit file. The data being furnished does not properly match or verify to my Social Security Number and has resulted in serious reporting errors across all three bureaus. 

I have disputed these items directly with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 609, and 611. Despite these disputes, the information continues to appear without proper verification or documentation linking the alleged debts to my personal identifiers. 

Below are the specific accounts currently appearing across my credit reports that are unverified or improperly matched XXXX XXXX CAPITAL ONE AUTO FINANCE  Reported balance : {$8100.00} Status : Charged off / open Date opened : XX/XX/XXXX Inaccuracy : The balance fluctuates between reports, and no verifiable proof has been provided showing the loan or repossession is legally associated with my SSN. No title, contract, or lawful deficiency documentation was provided. 



XXXX. XXXX XXXX XXXX Reported balance : {$610.00} Status : Charged off / closed since XX/XX/XXXX Inaccuracy : Report shows XXXX consecutive months of charge-off activity, which is impossible after account closure. No verification has been provided linking the account to my SSN or signed agreement. 



XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Reported balance : {$980.00} Status : Collection opened XX/XX/XXXX Inaccuracy : Reported as a collection with no validation letter, no XXXX authorization, and no verification of SSN or consumer consent to report medical information. 



XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Reported balance : {$1900.00} Status : Collection Inaccuracy : The apartment account may have been merged or duplicated under a CPN-associated file and reinserted without verification. The furnisher has failed to provide a rental ledger or signed lease linking the account to my SSN. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Reported balance : {$550.00} Status : Collection / Debt buyer Inaccuracy : Reported as an assigned debt without proof of ownership transfer, signed contract, or XXXX XXXX. Appears inconsistently across bureaus. 



XXXX. XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Reported balance : {$4200.00} Status : Collection Inaccuracy : Apartment debt reported with no validation notice, no signed lease, and no legal proof it belongs to me. Appears to be reported solely by name association rather than verified identifiers. 



XXXX. XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Reported balance : {$2000.00} Status : Medical collection Inaccuracy : No XXXX authorization or billing validation. This medical collection was furnished without proper consumer authorization. 



XXXX. XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX separate accounts reported for the same creditor. 
Reported balances : {$1500.00} each Status : XXXX XXXX Inaccuracy : Duplicate reporting for the same medical service and date. Neither account includes XXXX or XXXX verification documentation. 



Summary of Issues The bureaus have failed to verify these debts against my SSN. 
Accounts were reported or reinserted without verifiable proof of ownership, authorization, or proper identification matching. 
XXXX and apartment debts were furnished without legal release or direct consumer validation. 
Repeated disputes have been ignored or resolved without any documentation provided as proof. 

Requested Resolution I am requesting that CFPB require XXXX, XXXX, and XXXX  to : XXXX. Provide documented proof of XXXX verification for each account listed above. 
XXXX. Delete any account that can not be verified directly to my Social Security Number. 
XXXX. Investigate and penalize any furnisher who reinserted unverifiable data after dispute closure. 
XXXX. Confirm all deletions and corrective actions in writing.

Company response to consumer: Closed with explanation