Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of several accounts appearing on my credit file under my rights granted by 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1666B, 15 U.S.C. 6802, and 18 U.S.C. 1028A.

LEGAL BASIS Under 15 U.S.C. 1681A, information reported must be fair, accurate, and verifiable.

Under 15 U.S.C. 1681B, you must have a permissible purpose to furnish or report information.

Under 15 U.S.C. 1666B, payments must be credited promptly and accurately, and no late payment may be reported if the payment was made on time or improperly processed.

Under 15 U.S.C. 6802, my non-public personal information may not be improperly shared or mishandled.

Under 18 U.S.C. 1028A, any inaccurate personal, identifying, or falsely attributed information must not be used in a way that harms the consumer. 

Because of these protections, I am requesting a reinvestigation and deletion of the following accounts, which contain inaccurate, unverifiable, outdated, or misreported information including late payments, incorrect balances, or accounts that have already been paid and closed : ACCOUNTS TO BE REINVESTIGATED & DELETED Capital One XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account These accounts do not meet the standards of accuracy required by the Fair Credit Reporting Act ( FCRA ). If the information can not be fully verified with proper documentation, it must be removed from my credit report immediately, as required by federal law. 
LATE PAYMENT DISPUTE 15 U.S.C. 1666B If any of these accounts reflect late payments, I dispute them directly.

Under 1666B, a creditor must promptly credit payments received, and may not report a late payment if : my payment was made on time, the proces
sing delay was on the creditors end, the due date was unclear, or the account was already paid/settled.

Please provide documentation showing how the late payment ( s ) were verified.

If no such documentation exists, the late payments must be deleted. 

PAID ACCOUNTS REQUEST FOR CLEANUP Some items listed have already been paid in full or settled, and therefore should not contain any derogatory information. Any paid or closed accounts must be updated to reflect a positive and accurate status. 

PAY-FOR-DELETION OPTION ( IF APPLICABLE ) If any disputed item is determined to have an outstanding balance, I am open to negotiating a pay-for-deletion settlement so that, upon payment, the account will be fully removed from all three credit bureaus.

REQUEST Please complete a full reinvestigation within the required 30-day period and provide me with : 1. Written verification and documentation used to validate each account 2. The results of the reinvestigation 3. Updated copies of my credit report reflecting deletions or corrections If the accounts can not be 100 % verified under the law, they must be removed immediately, as required by the FCRA.

Company response to consumer: Closed with explanation