Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Complaint Against Capital One Neiman Marcus Incorrect 30-Day Late Payment Reporting Date of Incident : XX/XX/year> Reporting Institution : Capital One XXXX XXXX Credit Bureau Involved XXXX XXXX What Happened : On XX/XX/year>, Capital One XXXX XXXX incorrectly reported my account as being 30 days late. I immediately contacted their customer service and explained that my payment was not 30 days past due. In fact, I had made a payment that exceeded the required minimum of {$46.00} before the due date. 
During this call, I also requested a credit reference letter to send to XXXX as proof of my timely payment. 
I then called XXXX the system transferred me to their text chat. I uploaded all necessary documentation proving my account was not 30 days late, yet the representative in the text chat stated they could not assist me and that I needed to speak with a live agent. 
Upon speaking with an agent, I was met with the same refusal to acknowledge my evidence or correct the error. Despite providing all proof through their text system, my dispute was rejected without a valid reason. I further explained that I was in the process of securing a business loan, and this inaccurate late payment reporting was significantly impacting my credit profile. 
I received an alert indicating that my account was reported as late, despite my previous communication with Capital One XXXX XXXX. To prevent further harm to my credit profile, I paid the balance down from {$600.00} to {$200.00}. When I asked if I would still be marked late, a representative assured me that since the payment was brought up to date, my account would not reflect a delinquency. However, the late payment remained on my credit report. 
Request for Immediate Removal Under State Law : According to [ Insert State Law e.g., Illinois Consumer Fraud and Deceptive Business Practices Act ( ICFA ) ], financial institutions are prohibited from reporting incorrect information to credit bureaus and must correct errors upon consumer request. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors are legally obligated to promptly investigate and correct inaccurate reports once a dispute has been raised.

Given the following facts : My payment was not 30 days past due I made a payment greater than the minimum amount due I provided documented proof through Capital One XXXX XXXX chat system I was given conflicting information by multiple representatives I am currently in the process of securing a business loan, and this false reporting is harming my creditworthiness I am demanding an immediate correction to my credit report and requesting that XXXX remove the late payment entry from my credit file immediately. 
I ask the CFPB to take action against Capital One XXXX XXXX for their failure to properly investigate and refusal to acknowledge valid proof of on-time payment. Their conduct constitutes negligent and potentially willful violations of the FCRA, and I request that this matter be resolved urgently. 
Requested Resolution : 1. Immediate removal of the XXXX late payment from my XXXX credit report. 
XXXX. Correction of my payment history to reflect that I was never late. 
XXXX. Written confirmation from Capital One XXXX  XXXX  that my account has been updated and accurately reported. 
XXXX. Action taken by CFPB to ensure compliance with consumer protection laws. 
This matter has caused undue financial harm, and I expect a prompt resolution in accordance with consumer protection laws. 
Sincerely,

Company response to consumer: Closed with explanation