Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
Inaccurate Credit Reporting by Capital One Subject : Inaccurate and inconsistent reporting of charged-off credit card account by Capital One Account Information Creditor : Capital One Account Name : CAPITAL ONE Account Number ( partial ) : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off {$7300.00} written off ; {$6300.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$6300.00} ( as of XX/XX/XXXX ) Credit Limit : {$7500.00} Highest Balance : {$7400.00} On Record Until : XX/XX/XXXX Recent Payment : None reported Summary of Complaint I am filing this complaint against Capital One for inaccurate, incomplete, and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and CFPB Regulation V ( 12 C.F.R. Part 1022 ).

Capital One continues to furnish conflicting and inconsistent data concerning this charged-off account, resulting in misleading and damaging information on my credit reports.

Disputed Inaccuracies 1. Improper Repeated Charge-Off Reporting The account shows continuous CO ( charge-off ) entries from XX/XX/XXXX through XX/XX/XXXX, spanning over five years.

A charge-off is a one-time event, not a recurring monthly status. Continuing to report multiple charge-off months materially misrepresents account activity.

This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy in furnishing ) and CFPB Regulation V 1022.42 ( a ) prohibiting misleading data furnishing.

2. Conflicting Balance and Charge-Off Amount The account lists {$7300.00} written off but also reports a {$6300.00} past-due balance as of XX/XX/XXXX. 
Once an account is charged off, there should not be a continuing past due amount or accruing balance. 
This dual reporting violates FCRA 1681e ( b ) ( completeness and accuracy ) and CFPB XXXX XXXX regarding data integrity for charged-off accounts. 
3. Outdated Status Update Date The file shows the last status update as XX/XX/XXXX, yet the payment history and balance continue updating through XXXX, creating a false impression of ongoing delinquency. 
This inconsistency misleads creditors and violates FCRA 1681s-2 ( a ) ( 2 ), which requires furnishers to promptly update previously reported information.

4. Incorrect Past Due Notation After Charge-Off Reporting a past due balance ( {$6300.00} ) five years after charge-off is factually and legally incorrect.

Once written off, a charged-off account should reflect {$0.00} past due under FCRA 1681s-2 ( b ) ( 1 ) ( D ) and CFPBs Credit Reporting Data Accuracy Guidance ( 2019 ) . 
XXXX. Potentially Incorrect Date of First Delinquency ( DOFD ) The first delinquency appears to have begun in XX/XX/XXXX ( 30 days late ), leading to charge-off by XX/XX/XXXX. 
Under FCRA 623 ( a ) ( 5 ), furnishers must report the correct DOFD to determine the lawful reporting period. 
If the XXXX is XX/XX/XXXX, this account should be deleted by XX/XX/XXXX, not XX/XX/XXXX as currently shown, unless verified otherwise. 
6. Missing or Skipped Data Months Several earlier months display or no data, creating incomplete payment history. 
This omission violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and CFPB Regulation V 1022.42 ( a ) ( 1 ), which require furnishers to provide complete and non-misleading data.

Status Information Discrepancy The reported Status : Charged Off {$7300.00} written off ; {$6300.00} past due as of XX/XX/XXXX is materially inconsistent. 
A charged-off account can not simultaneously have a new past-due balance or active updates five years later. 
This reporting creates the false impression that the debt remains open or in active default, contrary to FCRAs accuracy and completeness standards. 

Requested Action I request that Capital One and the consumer reporting agencies ( Equifax, Experian, and TransUnion ) take the following actions : 1. Conduct a full reinvestigation under FCRA 611 and verify the accuracy of all disputed data using original account documentation.

2. Correct or delete any unverifiable, outdated, or misleading information.

3. Remove all repeated CO notations beyond the initial XX/XX/XXXX charge-off month. 
4. Update the past due field to {$0.00} and confirm the true written-off balance of {$7300.00}.

5. Correct the status update date to reflect the accurate charge-off period, not ongoing activity through XXXX. 
6. Confirm and properly report the Date of First Delinquency ( DOFD ).

7. Provide written confirmation of all corrections or deletions to ensure compliance with FCRA 1681i ( a ) ( 5 ). 

Consumer Statement Capital Ones continued reporting of multiple charge-off months, inconsistent balances, and a conflicting charge-off/past-due status has caused inaccurate and misleading information to appear on my credit file for several years. 
This reporting does not comply with the Fair Credit Reporting Acts accuracy requirements and misrepresents the true nature of the account.

I request a complete reinvestigation and immediate correction or deletion of the inaccurate data.

Company response to consumer: Closed with explanation