Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Category : Credit reporting Incorrect information on my credit report Company : XXXX XXXX XXXX XXXX XXXX Also affects XXXX XXXX XXXX XXXX  Complaint text ( copy/paste ) I am disputing XXXX collection accounts being reported by XXXX XXXX XXXX XXXX XXXX. These accounts are being reported illegally and inaccurately across all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

What is happening : XXXX XXXX is reporting these accounts as opened on XX/XX/XXXX, making them appear as new collections. 
The bureaus are showing these accounts as on record until XXXX, which means the XXXX clock has been improperly reset. 
The reports list no Date of First Delinquency ( DOFD ) or last payment date from the original creditor ( Capital One ). 
By removing the XXXX and replacing it with a false open date, the debt has been illegally re-aged.

Why this is wrong : Under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ) ), accounts may only remain for 7 years from the DOFD.

Under FCRA 623 ( a ) ( 5 ), furnishers must report the actual DOFD to the bureaus. 
By re-aging, XXXX XXXX has violated both the FCRA and FDCPA. The credit bureaus are also in violation for publishing unverifiable, inaccurate information. 

Harm caused : These accounts are treated by scoring models as new derogatory accounts ( XXXX ), when in fact they are over XXXX XXXX XXXX. 
This is materially damaging my credit and misrepresenting my credit history. 

What I am requesting : Delete these XXXX XXXX accounts from all three credit bureaus unless verifiable proof is provided. 
If verification is attempted, I request copies of the documentation used, including the original Capital One tradeline and the true Date of First Delinquency ( DOFD ). 

Evidence attached : XXXX from XXXX  report showing Opened XX/XX/XXXX, Reported XX/XX/XXXX, and no Last Payment/XXXX. 
XXXX from XXXX  report showing the same account with Date Opened XX/XX/XXXX, On Record Until XX/XX/XXXX, and no DOFD. 

I have previously disputed this directly with the bureaus, and each time they verified without providing proof of the XXXX. This is a repeated violation of my rights under the FCRA. 
Category : Credit reporting Incorrect information on my credit report Company : XXXX XXXX XXXX XXXX XXXX Also affects : Equifax, Experian, TransUnion Complaint text ( copy/paste ) I am disputing XXXX collection accounts being reported by XXXX XXXX XXXX XXXX XXXX. These accounts are being reported illegally and inaccurately across all three major credit bureaus ( Equifax, Experian, and TransUnion ). 

What is happening : XXXX XXXX is reporting these accounts as opened on XX/XX/XXXX, making them appear as new collections. 
The bureaus are showing these accounts as on record until XXXX, which means the XXXX clock has been improperly reset. 
The reports list no Date of First Delinquency ( DOFD ) or last payment date from the original creditor ( Capital One ). 
By removing the XXXX and replacing it with a false open date, the debt has been illegally re-aged. 
Why this is wrong : Under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ) ), accounts may only remain for 7 years from the DOFD.

Under FCRA 623 ( a ) ( 5 ), furnishers must report the actual XXXX to the bureaus. 
By re-aging, XXXX XXXX has violated both the FCRA and FDCPA. The credit bureaus are also in violation for publishing unverifiable, inaccurate information. 

Harm caused : These accounts are treated by scoring models as new derogatory accounts ( XXXX ), when in fact they are over XXXX XXXX XXXX. 
This is materially damaging my credit and misrepresenting my credit history. 

What I am requesting : Delete these XXXX XXXX accounts from all three credit bureaus unless verifiable proof is provided. 
If verification is attempted, I request copies of the documentation used, including the original Capital One tradeline and the true Date of First Delinquency ( DOFD ). 

Evidence attached : XXXX from Equifax report showing Opened XX/XX/XXXX, Reported XX/XX/XXXX, and no Last Payment/DOFD. 
XXXX from Experian report showing the same account with Date Opened XX/XX/XXXX, On Record Until XX/XX/XXXX, and no DOFD. 

I have previously disputed this directly with the bureaus, and each time they verified without providing proof of the XXXX. This is a repeated violation of my rights under the FCRA.

Company response to consumer: Closed with explanation