Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AL

Complaint narrative:
I am filing this complaint against Capital One Bank USA NA for knowingly reporting inaccurate information on my credit file in violation of the Fair Credit Reporting Act 623 ( a ) ( 1 ) and for verifying inaccurate information during active disputes in willful violation of federal law. BACKGROUND : Capital One is reporting account ending XXXX on my XXXX XXXX and XXXX credit files with a current balance of {$680.00} and a status of Charged Off. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX a third party debt collection agency identifying themselves as the collector on this exact account under XXXX Reference Number XXXX with a balance of {$680.00}. This letter is proof that Capital One has sold or transferred this debt to a third party collector. Despite selling this debt Capital One continues to report a live {$680.00} balance on all three of my credit bureau files. VIOLATION 1 REPORTING A BALANCE ON A SOLD DEBT : Once Capital One sold this debt to XXXX XXXX XXXX XXXX they lost all ownership interest in this account. Capital One has no legal right to continue reporting a live balance of {$680.00} on an account they no longer own. This is a direct and willful violation of FCRA 623 ( a ) ( 1 ) which prohibits furnishers from knowingly reporting inaccurate information. The XXXX XXXX XXXX collection letter dated XX/XX/XXXX is my physical proof that this debt was sold. VIOLATION 2 KNOWINGLY VERIFYING INACCURATE INFORMATION DURING ACTIVE DISPUTES : I have active disputes on this account with all three credit bureaus. Both my XXXX and XXXX credit files show the comments " Account Previously in Dispute Now Resolved Reported by Subscriber '' and " Dispute Resolved Reported by Grantor. '' This means Capital One investigated my disputes and verified this account as accurate confirming a {$680.00} balance on a debt they had already sold to XXXX XXXX XXXX. Verifying information Capital One knows to be inaccurate is a willful violation of FCRA 623 ( a ) ( 1 ) subjecting Capital One to statutory damages of up to {$1000.00} per violation plus actual damages punitive damages and attorney 's fees under FCRA 616 and 617. VIOLATION 3 MATHEMATICAL IMPOSSIBILITIES ACROSS ALL THREE BUREAUS : A tri-bureau comparison of account ending XXXX reveals the following irreconcilable data points for which Capital One as the sole furnisher is directly responsible : High Credit Amount : XXXX reports : {$680.00} XXXX reports : {$0.00} XXXX reports : {$700.00} XXXX completely different figures on the same account proving this data is unverified and unverifiable. XXXX Mathematical Impossibility : XXXX reports a High Credit of {$0.00} yet a Current Balance of {$680.00}. It is physically and mathematically impossible to carry a balance of {$680.00} on an account where the highest amount ever charged was {$0.00}. This impossibility exists because Capital One is furnishing contradictory data to different bureaus simultaneously. Monthly Payment Contradiction : XXXX reports an active monthly payment of {$34.00} on this charged off account while XXXX and XXXX both report {$0.00}. A charged off account that has been sold to a third party collector can not carry an active monthly payment obligation at one bureau while reporting {$0.00} at the other two. This is a factual impossibility. Last Activity Date Discrepancy : XXXX reports last activity : XX/XX/XXXX XXXX reports last activity : XX/XX/XXXX XXXX reports : No date Three different answers on when this account was last active proving the data has never been verified against original source documents. Charge Off Amount : Despite reporting this account as Charged Off on all three bureaus Capital One has left the Charge Off Amount field blank on every bureau. This is incomplete reporting in violation of Capital One 's obligation to furnish complete and accurate information under FCRA 623. VIOLATION 4 CROSS-BUREAU DATA CONTRADICTIONS : Capital One is the sole furnisher of data for account ending XXXX. As the furnisher Capital One is directly responsible for the following irreconcilable contradictions across all three bureaus : Three different High Credit amounts reported simultaneously Monthly payment of {$34.00} reported only on XXXX {$0.00} on all others Three different Last Activity dates reported Charge Off Amount left blank on all three bureaus Live balance of {$680.00} reported on a sold charged off account across all three bureaus These contradictions prove Capital One has never verified this account against original source documents and is in direct violation of its furnisher obligations under FCRA 623.

Company response to consumer: Closed with explanation