Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Capital One regarding their failure to report my XXXXXXXX XXXX XXXX account ( previously XXXX, now XXXX ) to XXXX, despite claiming to report to all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

According to my XXXX  credit report, the last reported activity from Capital One was XX/XX/XXXX, XXXX with the transition of my account from the XXXX card to the XXXX card. Since then, Capital One has not reported any data to XXXX, making my credit file incomplete and inaccurate.

When I contacted Capital Ones customer service, they insisted they are reporting and advised me to send a formal letter along with my credit report, which I did on XX/XX/XXXX, by mail. This included : A letter requesting Capital One resume reporting to XXXX, and A full credit report from XXXX, showing the missing tradeline. 
As of this filing, Capital One has still not resumed reporting to XXXX, in violation of its advertised service terms and contrary to the rights afforded to me under federal law. 

Relevant Violations : Unfair and Deceptive Practices By stating that they report to all three bureaus but failing to report to XXXX, Capital One is engaging in deceptive and misleading practices, violating the Consumer Financial Protection Act of XXXX, specifically 12 U.S.C. 5531, which prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

Inaccurate and Incomplete Credit Reporting Credit furnishers are required to provide complete and accurate information to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Failing to report an active tradeline to one bureau while reporting it to others creates a materially incomplete and misleading consumer credit profile.

Failure to Investigate a Dispute If Capital One maintains that they are reporting but evidence shows otherwise, and they fail to investigate and correct the discrepancy after being notified in writing, this constitutes a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation after receiving notice of a dispute.

Requested Resolution : Immediate and retroactive reporting of my XXXX account and payment history to XXXX, to reflect continuity from the original XXXX tradeline ; A written confirmation from Capital One acknowledging the correction and confirming that future activity will be consistently reported to all three credit bureaus, including XXXX  ; A clear explanation of why reporting ceased to XXXX  during the account transition ; If Capital One can not or will not resume reporting to XXXX, I request a written admission of that fact, as this materially impacted my ability to build and maintain credit based on their public representations. 
Consumers rely on the integrity of credit reporting systems and on financial institutions to follow through with their stated obligations. This situation has resulted in credit harm and lost financial opportunities, and Capital One must be held accountable.

Company response to consumer: Closed with explanation