Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because several furnishers are reporting inaccurate, contradictory, and incomplete information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues with the bureaus directly, but the accounts continue to report errors that are harming my creditworthiness. 

Below is a summary of each account and the specific violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-Off Account Reporting Incorrectly The account is reported as closed yet continues to show a past-due balance and a current balance, which violates the FCRA requirement that closed charged-off accounts must not report ongoing past-due amounts. 

The creditor forwarded me to XXXX XXXX for collection activity, yet XXXX continues reporting an active balance. This is contradictory and inaccurate. 

Multiple months show Unknown payment status long after the accounts last activity, indicating missing and unverifiable data. 


Requested Resolution : A full investigation and deletion or correction of the tradeline if the furnisher can not provide complete and accurate records. 


XXXX XXXX XXXX Capital One Bank Contradictory Charge-Off Reporting The account is listed as Closed by XXXX XXXX while still reporting an active charge-off balance, which is contradictory. 

The account continues to show a past-due amount equal to the entire balance even after the charge-off date, which is not permitted. 

The account reports extremely high utilization ( 133 % ) on a closed account, which is not accurate or allowed under standard reporting guidelines. 

This indicates ongoing negative updates to a closed charged-off account, which is inaccurate. 


Requested Resolution : XXXX Capital One to provide documentation supporting the reported data or remove the tradeline entirely. 


XXXX XXXX XXXX XXXX Late Payments After Account Closure The account was closed in XX/XX/XXXX, yet the credit bureaus are reporting late payments after the closure date, which is impossible and violates the FCRA requirement for accurate and complete reporting. 

Closed accounts can not accrue new delinquencies. 


Requested Resolution : Remove all inaccurate late payments or delete the tradeline if the reporting can not be fully substantiated. 


XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Re-Aged and Inflated Balance The collection shows a balance ( {$340.00} ) greater than the highest balance ever owed ( {$190.00} ), which is inaccurate and unverifiable. 

The collection appears to be re-aged, reporting an open date in XXXX, even though the XXXX service was not active during that period. Re-aging is strictly prohibited under the FCRA. 

No original creditor account number or itemization of charges is provided, preventing verification. 


Requested Resolution : Require full itemized validation of the debt. If it can not be validated with documentation, request deletion of the collection from all bureaus. 


-- - Overall FCRA Violations Across All Furnishers Reporting incomplete, contradictory, and unverifiable data Re-aging of accounts Misreporting of closed charged-off accounts Continuing to report past-due balances after charge-off Missing or inaccurate payment history Failure to provide full account information necessary for verification These errors are actively harming my creditworthiness and preventing me from accessing fair credit opportunities. I request that the CFPB require each furnisher to conduct a full, proper reinvestigation and either correct or delete the inaccurate data

Company response to consumer: Closed with explanation