Consumer complaint received 2024-12-09 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: CT

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Dispute of Credit Reporting Violations by XXXX and XXXX Dear CFPB Team, My name is XXXX XXXX, and I recently reviewed my credit reports from XXXX and XXXX. Upon careful examination, I was alarmed to discover multiple inaccuracies and violations that are severely damaging my creditworthiness. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as both XXXX and XXXX are reporting false and unverifiable information on my accounts. This matter is urgent, as these inaccuracies are preventing me from obtaining credit opportunities and creating unnecessary financial hardship. 

Summary of Companies and Accounts Reporting Inaccurate Information XXXX XXXX XXXX Account # XXXX ( Reported by XXXX and XXXX ) : High balance inaccurately reported as {$630.00} when the limit is {$600.00}. 
Utilization percentage is miscalculated and damaging my credit score. 
Violations : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported by XXXX ) : Incorrect charge-off reporting. 
Contradictory remarks about delinquency dates and account closure. 
Violations : XXXX XXXX Account # XXXX ( Reported by XXXX and XXXX XXXX : Duplicate reporting of late payment notations ( XXXX days late listed twice ). 
Failure to validate and notify before reporting adverse marks. 
Violations : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported by XXXX ) : Overstated credit utilization above 100 %. 
Charge-off status reported without proper validation or notification. 
Violations : XXXX Capital One Account # XXXX ( Reported by XXXX ) : Duplicate entries with conflicting payment histories. 
Past due amounts reported inaccurately. 
Violations : XXXX XXXX Account # XXXX ( Reported by XXXX ) : Incorrect delinquency reporting ( XX/XX/year> days late simultaneously ). 
Failure to resolve disputes properly. 
Violations : XXXX XXXX XXXX XXXX Account XXXX XXXX ( Reported by XXXX ) XXXX Inaccurate reporting of XXXX  days late without evidence. 
Failure to resolve disputes or validate adverse marks. 
Violations : XXXX Total Violations Identified : XXXX Requested Compensation : {$14000.00} ( {$1000.00} per violation as permitted under FCRA guidelines ). 
Urgent Actions Required Immediate Deletion of Inaccurate Information : I demand the removal of all inaccurate and unverifiable negative marks related to the accounts listed above from both XXXX and XXXX credit reports. 
Provide Updated Credit Reports : XXXX and XXXX must mail updated credit reports reflecting these deletions immediately to ensure my creditworthiness is restored without delay. 
Written Confirmation of Actions : Both agencies must provide written confirmation of the deletions and assurances that these errors will not reappear in future reporting. 
Compensation for Violations : Issue a payment of {$14000.00} to address the harm caused by these violations and the financial and emotional distress caused by these inaccuracies. 
Notice of Further Action If these issues are not resolved within XXXX  days, I will take further action, including filing additional complaints with the CFPB, Federal Trade Commission ( FTC ), and state regulatory bodies. I will also consider legal remedies to recover damages caused by these violations. 

This matter is urgent, and I expect prompt attention to ensure these inaccuracies are deleted immediately and my creditworthiness is restored. 

Sincerely,

Company response to consumer: Closed with explanation