Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB Complaint - Inaccurate and Unverified Credit Reporting Consumer Information Full name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX DOB : XXXX SSN : Last 4 digits of SSN : XXXX Credit bureaus or furnishers involved : XXXX XXXX Complaint Summary I am writing to formally dispute multiple inaccuracies and unverifiable entries on my credit report, as provided by XXXX and XXXX. Despite previous attempts to resolve these discrepancies through direct disputes with the credit bureaus, the issues remain unresolved and continue to adversely affect my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and integrity of the information they report. The presence of inaccurate data, such as duplicate derogatories and unverifiable debts, indicates a failure to adhere to these legal standards. This has caused significant harm, including potential loan denials and higher interest rates. Disputed Accounts XXXX XXXX Account # : XXXX ( XXXX ) Issue : Duplicate derogatory reporting, account shows as paid after charge-off. Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX Account # : XXXX ( XXXX XXXX ) Issue : Duplicate account entries, charged off as bad debt, reported as profit and loss write-off. Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX/XXXX Account XXXX : XXXX ( XXXX ) Issue : Charged off as bad debt, purchased by another lender. Violation ( s ) : FCRA 1681e ( b ) XXXX Account # : XXXX ( XXXX XXXX ) Issue : Duplicate derogatory reporting, account closed due to inactivity, unpaid balance reported as a loss. Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX XXXX Account # : XXXX ( XXXX ), XXXX ( XXXX ) Issue : Duplicate derogatory reporting, charged off as bad debt, account closed by consumer. Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX XXXX XXXX Account # : XXXX ( XXXX XXXX ) Issue : Duplicate account entries, collection/charge-off status. Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX Account # : XXXX ( XXXX ) Issue : Charged off as bad debt, balance reported inaccurately. Violation ( s ) : FCRA 1681e ( b ) Student Loan Disputes Servicer : DPT EDXXXX, DEPT OF ED/XXXX Account # : XXXX ( XXXX ), XXXX ( XXXX ) Issue : Incorrect status, late 90 days, potential eligibility for discharge. Legal References : FCRA, 34 CFR 682.202 Hard Inquiry Disputes XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX XXXX Issue : Potentially unauthorized inquiry, appearing on multiple bureaus. Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Inquiry appears excessive and potentially unauthorized. Legal Reference : FCRA 604 XXXX XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Inquiry appears excessive and potentially unauthorized. Legal Reference : FCRA 604 Personal Info Discrepancies Incorrect names : XXXX XXXX Incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect DOBs : XXXX Correct version : Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX, DOB : XXXX Cite : FCRA 1681e ( b ) for inaccurate personal info reporting Legal Basis Cite each relevant statute : FCRA 1681i, 1681s-2, 1681e ( b ) XXXX XXXX guidelines - Industry standard for data formatting ( if applicable ) Consumer Harm The errors in my credit report have caused significant damage, including loan denials and higher interest rates, resulting in financial stress and potential employment issues.

Company response to consumer: Closed with explanation