Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Card Name : Capital One QuickSilverOne Card Account Number : XXXX XXXX XXXX XXXX Account Holder : XXXX XXXX Capital One I recently received a copy of my credit report and noticed an incorrect late payment posted for the month of XXXX. 
Subject : Dispute of Incorrect Late Payment Report for XXXX Request for Correction to " Paid on Time '' I am writing to formally dispute the incorrect late payment reported for XX/XX/year>. Your company is in clear violation of the law. Under 15 U.S.C. 1681b, which outlines the permissible purpose of consumer reports, the law clearly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the Fair Credit Reporting Act, 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), regarding exclusions from a consumer credit report, clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
As evidenced by the images I have uploaded, there is a significant discrepancy in the information reported. I have included my credit report from XXXX, which highlights these errors. The images clearly indicate that today is XX/XX/year>, which is the same date my dispute regarding previous inaccuracies with your institution was closed ( proof of this has also been uploaded ). 
I would like to emphasize that I paid my XXXX statement on time ; however, I am currently disputing multiple errors caused by Capital One. These inconsistencies may have led to financial difficulties for me, and I understand that I could be legally entitled to compensation for any harm caused by the inaccurate reporting.

The current discrepancies represent a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I kindly request that 15 U.S.C. 1681 ( 5 ) be applied, resulting in the deletion of the aforementioned late payments.

Please delete the late payments from my consumer report, as your agency is in violation of 15 U.S.C. 1681. Additionally, I request that you send me a free copy of my report after the changes have been made. If the incorrect late payments are not updated to reflect that they were paid on time, I will be compelled to take legal action against your company. I will also be seeking {$1000.00} per violation for the following claims : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collection Practices Act, 15 U.S.C. 1692g violations Fair Credit Reporting Act, 15 U.S.C. 1681 violations for willful noncompliance ( {$610.00} civil liability for willful noncompliance per 15 U.S.C. 1681n ) Thank you for your prompt attention to this matter. I look forward to your response. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation