Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : FORMAL NOTICE OF DISPUTE DEMAND FOR DELETION Reports Dated XX/XX/XXXX To Whom It May Concern : This is a formal dispute pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 

After reviewing my consumer reports, I have identified multiple accounts being reported in a manner that is inaccurate, incomplete, misleading, and legally non-compliant. 

Under : 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) You must conduct a reasonable reinvestigation.

15 U.S.C. 1681c ( a ) Obsolete and improperly re-aged accounts may not be reported.

15 U.S.C. 1681s-2 ( b ) Furnishers must provide complete and accurate information after notice of dispute. 

The following accounts violate federal reporting requirements. 



XXXX CAPITAL ONE Multiple Charge-Off Accounts Accounts reporting balances of : {$2300.00} {$6700.00} {$530.00} These accounts are reporting : Charge-off status Simultaneous Past Due amounts Continued monthly CO reporting into XXXX No clearly disclosed Date of First Delinquency Closed status while still reporting active delinquency Once an account is charged off, it can not legally continue to report as currently past due. 

This is misleading reporting and constitutes a violation of : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681c ( c ) ( re-aging prohibition ) Further, reporting a balance that exceeds the original credit limit ( as seen on the {$530.00} account with a {$500.00} limit ) indicates inaccurate balance reporting. 

Unless you can provide : The original signed contract Complete payment history ledger Date of First Delinquency Documentation validating the balance calculation Documentation proving legal right to continue reporting These accounts must be permanently deleted. 



XXXX XXXX XXXX {$10000.00} Charge-Off This account shows : XXXX negative months Continuous CO reporting No visible Date of First Delinquency Ongoing XXXX derogatory reporting If you can not validate : The XXXX Full chain of title Complete payment history Compliance with XXXX-year reporting limitation This account must be deleted immediately. 



XXXX XXXX XXXX XXXX Auto Loan This account reflects : XXXX late payments Multiple XXXX-day delinquencies Status updated XX/XX/XXXX Balance updated XX/XX/XXXX However, I do not see adequate disclosure of the Date of First Delinquency. 

Additionally, reporting activity in XXXX must not constitute re-aging under 15 U.S.C. 1681c.

Provide : Original signed agreement Full payment ledger DOFD Internal reporting compliance documentation Failure to provide documentary evidence requires deletion. 



LEGAL NOTICE Be advised : An automated XXXX  verification does not constitute a reasonable reinvestigation under 1681i ( a ). 

If these accounts are verified without documented proof, I will consider that willful noncompliance under : 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) 15 U.S.C. 1681o ( Negligent Noncompliance ) Failure to correct these inaccuracies will result in : CFPB complaint FTC complaint California Attorney General complaint Intent to pursue civil remedy DEMAND Delete the above accounts permanently unless you can provide full documentary validation. 

I expect written confirmation of deletion within 30 days as required by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation