Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
Complaint Title : Capital One Reporting Inaccuracies Post-Bankruptcy, Failure to Respond to FCRA Requests, and Improper Charge-Off Activity After DischargeComplaint Details : This complaint is regarding Capital Ones ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code regarding an account included in my XXXX XXXX XXXX filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. 

Specifically, Capital One has : Initially reported the account with a Petition for XXXX XXXX XXXX status on XX/XX/XXXX, then removed this status as of XX/XX/XXXX, despite the bankruptcy being active. This false revision misleads credit reporting agencies and undermines the integrity of my bankruptcy record. 

Charged off the account during my active bankruptcy protection and continued to report it as charged off as late as XXXX XXXXafter my discharge, a direct violation of 11 U.S.C. 362 ( automatic stay ) and 524 ( discharge injunction ).

Refused to provide the method of investigation or verification details I formally requested under FCRA 1681i ( a ) ( 7 ). Their generic responses did not answer any of the specific factual concerns, including the inaccurate charge-off and post-discharge updates.

Engaged in data flip-flopping, changing dates and statuses without explanation, implying I owe the account, which I do not. 

Only updated reporting through XXXX  and XXXX, while the inaccurate tradeline remains active and derogatory with XXXX  credit bureau, further violating FCRAs accuracy and consistency standards. 

What Im Requesting : I am demanding that Capital One : Immediately delete the Capital One tradeline across all three major credit reporting agencies ( XXXX XXXX, and XXXX ) ; Provide a full response detailing their verification process, as required by law ; Issue a corrected public statement in response to this complaint acknowledging their errors. 

Intent to Seek Sanctions : If Capital One does not resolve this matter in full within 10 calendar days of receiving this CFPB complaint, I intend to file for civil and/or bankruptcy court sanctions for violations of the Bankruptcy Code 362 and 524, and FCRA 1681i, 1681s-2, and 1681e ( b ).

I have preserved all relevant records, including : Bankruptcy documents ; Credit reports from XX/XX/XXXX through XX/XX/XXXX ; Correspondence and recordings with Capital One ; CFPB and CRA dispute filings. 

Capital One behavior is deceptive, harmful, and unlawful. I respectfully ask the CFPB to enforce compliance and ensure proper consumer protection in this matter.Capital Ones actions are misleading, unlawful, and damaging to my post-bankruptcy recovery. They have misrepresented the status of a discharged account, failed to comply with FCRA, and used evasion tactics rather than transparency. I am requesting the CFPB to review this case thoroughly and require immediate correction, deletion, and full accountability.

Company response to consumer: Closed with explanation