Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under 15USC 1666B Timing of payments.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. I did not receive statements from Capital 21 days before the due dates for the month of. XX/XX/year>. XX/XX/year> XX/XX/year> and XX/XX/year>. According to the FCRA, creditors must send statements at least twenty-one days before the due date to allow consumer sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out twenty-one days prior to the due date. Please provide tracking number. if no proof is furnished for verification and validation, please update. late payments to PAANL ( Paid as agreed, never late ) Also, please update payment history to " ok ''.

15 USC 1681A Definite rules of construction. 
( 2 ) exclusions, except as provided in paragraph three, the term consumer report does not include.

( a ) subject to section 1681S-3 of this title any- Report contending information solely as two transactions or experiences between the consumer and the person making the report.

Transaction should not be included on my consumer report if they are not accurate. Verifiable or complete. the late payment on me capital one account should not. be included on my consumer report because according to the consumer law there. they are transactions and transactions are excluded from a consumer 's file. Please update the late payment to PAANL ( As agreed and never late ) and update my report history to " ok ' The 15 USC 1681S. 7 ( A ) ( i ) Responsibilities of Furnitures of information to consumer reporting agencies. 
Negative information ( A ) Notice to consumer required ( i ) in general. 
If any financial institution that extends credit and regularly and in the ordinary course of business furnaces information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the Financial Institution shall provide a notice of such furnishing of negative information and writing to the customer. Furnitures of information such as Capital One must notify consumers in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from Capital 130 days prior or after the late payment was being reported on my credit report. Please furnish proof that a letter was sent to me from credit. creditor along with tracking number. Please conduct proper investigation and if you can not provide proof, please update my payment to pay it as agreed, never late and update payment history to okay.

Company response to consumer: Closed with explanation