Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
RE : Capital One Bank USA Account # XXXX Dear Equifax Dispute Department, I am formally disputing the reporting of an account listed under Capital One Bank USA on my credit report, last reported on XX/XX/year>. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Compliance Guidelines for data furnishers. 
The following information is being disputed as inaccurate, incomplete, or unverifiable : XXXX. Account Status Conflict : The account is listed as " Closed by credit grantor '' and also Charged Off but is simultaneously contributing to revolving credit utilization at 73 %. According to XXXX XXXX standards, a charged-off and closed account should not reflect active utilization, which misrepresents my creditworthiness and skews credit scoring models. 
XXXX. Payment History Inconsistencies : Your report indicates current payment status as Charge-Off while showing a series of late payments ( XXXX ) through XXXX  despite consistent on-time payment reporting in prior years. There is no evidence of proper notice of delinquency, and this prolonged delinquency reporting appears arbitrary and without accurate documentation. Per FCRA 609 and XXXX XXXX reporting, payment histories must be accurate, complete, and consistent with the account status. 
XXXX. Balance Reporting After Charge-Off : The reported balance of {$140.00} remains with no explanation of how this amount was derived or whether interest or fees were added post-charge-off. Under XXXX XXXX Format, once an account is charged off and closed, the Current Balance field should reflect {$0.00} unless sold or transferred to a third-party debt collector. If it has been sold, the balance must be removed from the original creditor 's tradeline and updated to Account Sold. 
XXXX. Missing Fields / Incomplete Data : o No minimum monthly payment amount is reported. 
o No Date of First Delinquency ( DOFD ) is provided, which is required for determining the XXXX reporting period as mandated by FCRA 605 ( c ). 
o No charge-off date field or Compliance Condition Code present. 
o The Worst Status field is blank, violating XXXX XXXX requirements that all historical data must reflect the most severe status during the account 's history. 
XXXX. Failure to Meet Data Accuracy and Integrity Requirements : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information that is inaccurate or incomplete. Reporting conflicting statuses ( e.g., Charged Off, Closed, Balance Due, and Open Utilization ) fails to maintain accuracy and data integrity.

Action Requested : Under FCRA 611 and XXXX XXXX compliance rules, I formally request the following : Conduct a full reinvestigation with the data furnisher ( Capital One Bank USA ). 
Verify ALL fields for XXXX XXXX accuracy, including Payment Rating, XXXX, Compliance Condition Code, Actual Payment Amount, Account Status, Current Balance, and Account Narrative. 
Provide documentation proving the accuracy and completeness of all reported information ( e.g., billing history, account contract, and charge-off documents ). 
Delete or correct the account if any portion is found to be inaccurate or unverifiable. 
Please respond to this dispute within the XXXX days required by law. Also, send me a revised copy of my credit report reflecting the corrections or deletions made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation