Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB COMPLAINT AGAINST CAPITAL ONE AUTO FINANCE INACCURATE FURNISHING OF INFORMATION I am filing a complaint against Capital One Auto Finance for furnishing materially false, incomplete, and contradictory information to XXXX  regarding my auto loan account. 

Capital One is furnishing the following inaccurate or impossible data : 1. Capital One reported a Status Updated date of XX/XX/XXXXXXXX  but a Balance Updated date of XX/XX/XXXX. 
Capital One can not update a balance 23 months after the status was supposedly last updated. This is impossible and misleading. 
2. Capital One furnished a Last Payment Date of XX/XX/XXXX, even though the account was charged off in XX/XX/XXXX. 
A charge-off is a final accounting action. 
No payments can be accepted or posted after a charge-off. 
This is inaccurate and constitutes illegal re-aging. 
3. Capital One furnished both a charge-off amount of {$14000.00} and a continuing past-due amount of {$7900.00}.

A charged-off account can not continue to accrue a past-due balance. 
This is not consistent with any lawful accounting method. 
4. Capital One furnished ongoing delinquency reporting on a closed account.

Once the account is closed and charged off, it can not continue aging delinquency. 
5. Capital One failed to furnish the original creditor identification, resulting in XXXX  listing the creditor as -.

Furnishers must supply complete identifying information under FCRA 1681s-2 ( a ).

Capital One has violated its responsibilities as a furnisher under FCRA 1681s-2, including failing to provide accurate information and failing to correct known inaccuracies.

XXXX XXXX VIOLATION SUMMARY CAPITAL ONE AUTO FINANCE ACCOUNT This tradeline violates the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Format, which the CFPB recognizes as the required standard for accurate credit reporting. 

Below is a detailed outline : 1. DISCREPANT DATE REPORTING XXXX XXXX Field : Date of Account Information Status Updated = XX/XX/XXXX Balance Updated = XX/XX/XXXXXXXX  These can not coexist. 
XXXX XXXX requires all date fields to be consistent and correspond to the furnishers actual reporting cycle. 

Violation : Inconsistent Date of Account Information fields.

Also violates : FCRA 1681e ( b ).

2. IMPOSSIBLE LAST PAYMENT DATE AFTER CHARGE-OFF XXXX XXXX  XXXX : Actual Payment Amount / Date of Last Payment XXXX XXXX prohibits posting ANY payment after a charge-off date. 

Capital One reports : Charge-Off : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXX This is impossible and constitutes : Unlawful re-aging Misreported payment history False Date of Last Payment 3. REPORTING BOTH CHARGE-OFF AND PAST-DUE BALANCE XXXX XXXX Field : Current Balance + Past Due Amount XXXX XXXX guidelines require XXXX Past Due Amount = {$0.00} on charged-off accounts Charge-Off Amount is recorded separately and should not overlap with rolling delinquency Reporting both : {$14000.00} written off {$7900.00} past due is a structural XXXX  XXXX violation. 



XXXX. REPORTING CONTINUED DELINQUENCY ON A CLOSED CHARGED-OFF ACCOUNT XXXX XXXX Field : Account Status XXXX XXXX prohibits past-due aging once an account is : Closed Charged Off XXXX is reporting ongoing delinquency after closure. 

Violation : Improper delinquency aging. 



XXXX. MISSING ORIGINAL CREDITOR INFORMATION XXXX XXXX Field : Subscriber Information / Creditor Name XXXX  is showing : Original Creditor : - XXXX XXXX requires complete identifying information for the furnisher and account owner. 

Violation : Incomplete creditor identification. 



6. RE-AGING VIOLATION XXXX XXXX Field : Payment Rating & Compliance Condition Code Payments can not be added after a charge-off. 

The reported last payment date occurring 11 months after the charge-off is a textbook illegal re-aging violation, violating : XXXX XXXX FCRA 1681s-2 CFPBs Furnisher Accuracy Guidelines

Company response to consumer: Closed with explanation