Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One because they have continued reporting inaccurate and damaging information on my credit report, failed to properly investigate my disputes, and may have allowed fraudulent accounts to be opened in my name. There is a Capital One account showing on my credit report as a charge-off/written-off account. However, sometime in XXXX, another company called XXXX and XXXX XXXX contacted me claiming they owned or were collecting the same debt. This means XXXX different entities are tied to the same account, creating confusion and causing serious damage to my credit. I contacted Capital One multiple times to report this issue and dispute the account : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During these calls, I spoke with representatives, supervisors, and a XXXX. What made the situation worse is that I received different answers from different people. Some representatives denied the account had ever been transferred or sold, while others confirmed that it had in fact been assigned or sold to another entity. This inconsistency shows that Capital One either does not have accurate records or failed to properly investigate my dispute. Before contacting Capital One, I also filed disputes with XXXX and XXXX through the CFPB and submitted an FTC identity theft report regarding this matter. Instead of correcting the inaccurate reporting, Capital One told me the credit bureaus were responsible for removing the account. However, when I contacted the credit bureaus, they stated that Capital One, as the furnisher of the information, is the party responsible for correcting or deleting inaccurate information. To make matters even more concerning, XXXX Capital One representative informed me that several credit card accounts had been opened in my name without my authorization or consent. I do not recognize these accounts, never opened them myself, and do not even have access to them. This has caused me serious concern regarding identity theft and unauthorized use of my personal information. I believe Capital One may be violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information and failing to conduct a proper investigation after receiving notice of my disputes. Their actions may also involve violations related to identity theft protections and unfair credit reporting practices. This situation has caused significant stress, damage to my creditworthiness, and loss of financial opportunities, and I am requesting CFPB assistance in ensuring this matter is fully investigated and corrected immediately. I am requesting that Capital One : Immediately remove the inaccurate charge-off account from my credit reports with XXXX XXXX XXXX XXXX Provide documentation proving the validity and ownership of the alleged debt, including any transfer or sale information.

Company response to consumer: Closed with explanation