Consumer complaint received 2025-12-04 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:
To Whom It May Concern : I am submitting this formal complaint regarding XXXX, XXXX, and XXXX for reporting inaccurate, unverifiable, and incomplete derogatory information on my consumer credit files. These items violate the Fair Credit Reporting Act ( FCRA ), including, but not limited to, \S\S602, 607, 609, and 611. The inaccurate information is causing significant harm to my creditworthiness. Below is a complete list of the derogatory items appearing on my XXXX  report dated XX/XX/XXXX, which also appear either identically or inconsistently across XXXX XXXX and XXXX. 
XXXX. PUBLIC RECORDS ( BANKRUPTCIES ) A. XXXX XXXX Bankruptcy Filed : XX/XX/XXXX XXXX XXXX. : XXXX Court : U.S. Bankruptcy Court - XXXX XXXX of Illinois XXXX. XXXX  XXXX Bankruptcy Filed : XX/XX/XXXX XXXX XXXX. : XXXX Court : U.S. Bankruptcy Court - XXXX XXXX XXXX Illinois ISSUE : The U.S. Bankruptcy Court has confirmed publicly that it does not furnish, report, or verify bankruptcy information to credit reporting agencies. This means the bureaus can not legally verify this information as required under FCRA \S611. As such, the reporting of these bankruptcies is unverified and must be removed. 
XXXX. COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX : IL Department of Human Services Balance : {$3600.00} Date Opened : XX/XX/XXXX ISSUES : No required FDCPA \S809 validation notice was sent.

Reporting appears immediately without consumer notification.

Reporting contains incomplete and unverifiable data.

Debt validation has never been provided. 
XXXX. DEROGATORY ACCOUNTS WITH INACCURATE REPORTING A. Capital One Auto Finance Charge-off, multiple XX/XX/XXXX day late marks, and listed as included in bankruptcy. 
Late payments appear reported AFTER the XXXX  XXXX filing date, which is illegal. 
XXXX XXXX XXXX XXXX with 30/60/90/120/150 day late marks. 
Inaccurate aging and inconsistent reporting months. 
XXXX XXXX XXXX XXXX XXXX day late reporting. 
Multiple versions of this account appear with inconsistent data. 
XXXX XXXX XXXX Multiple 30-day-late entries that do not match my payment records. 
XXXX XXXX XXXX XXXX 30-day-late reporting that is inaccurate. 
F. Kohl 's / Capital One Listed as " Petition for XXXX  XXXX Bankruptcy, '' but dates do not match the actual filing. 
G. Multiple XXXX/ Dept. of Education Accounts Duplicate reporting. 
Incorrect " included in bankruptcy '' designations. 
Inconsistent closure, transfer, and balance reporting. 
Possible double-reporting of the same loan groups. 
4. SUMMARY OF VIOLATIONS XXXX, XXXX XXXX, and XXXX  are in violation of : FCRA : \S602 - Failure to maintain fair and accurate reporting \S607 ( b ) - Failure to ensure maximum possible accuracy \S609 ( a ) - Failure to provide source of information \S611 ( a ) - Failure to properly investigate disputes \S611 ( b ) - Failure to reinvestigate disputed items FDCPA ( Harvard Collection Services ) : \S807 - Misrepresentation \S809 - Failure to validate alleged debt 5. REQUEST FOR CFPB INTERVENTION I am requesting that the CFPB require XXXX, XXXX XXXX, and XXXX to : 1. Provide full source verification for each derogatory item listed.

2. Remove any information that can not be verified directly with the original furnisher.

3. Remove duplicate or inconsistent bankruptcy-related entries.

4. Validate the XXXX XXXX XXXX debt or remove it entirely.

5. Provide corrected and updated copies of all three credit reports. 
If the bureaus or furnishers can not verify these items with permissible documentation, they must delete them immediately in accordance with the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation