Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I submitted multiple certified disputes on XX/XX/XXXX and XX/XX/XXXX, with additional disputes submitted by my authorized agent, XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite this, the credit reporting agencies ( CRAs ) and furnishers continued to report inaccurate, unverifiable, and fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Violations & Exhibits : Exhibit A Certified Disputes ( XX/XX/XXXXXXXX XXXX XX/XX/XXXX ) Documented certified mail receipts prove timely disputes were submitted. CRAs failed to delete or correct disputed accounts within statutory timeframes, violating FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ).

Exhibit B TransUnion Fraud Alert ( 4/14/25 ) Shows CRAs were formally placed on notice of fraud and identity theft, yet continued reporting without blocking fraudulent tradelines as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

Exhibit C First Premier Bank Evidence of inflated high balance ( {$600.00} limit reported as $ XXXX ), charge-off amounts not matching payments, and post-dispute balance updates. Violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) and FCRA 623 ( a ) ( 2 ) ( failure to correct after dispute ).

Exhibit D XXXX/Capital One XXXX XXXX XXXX ) Improper re-aging of delinquency dates, reporting of balances after charge-off, and continued monthly updates post-closure. Violates FCRA 605 ( a ) ( 4 ) ( 7-year reporting limit ), FCRA 623 ( a ) ( 1 ), and FDCPA 807 ( 2 ) ( A ) ( false representation of debt status ). 

Exhibit XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Cease & Desist Despite my written cease & desist under FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ), XXXX continued indirect collection activity by assigning my information to third-party collectors ( XXXX, XXXX. XXXX, XXXX ). This is coordinated harassment and unlawful continuation of debt collection activity without validation.

Exhibit F OAG/Child Support Account All three CRAs deleted over 11 years of positive payment history and re-aged balances unlawfully. Inflated arrears and fabricated past due notations were added despite consistent payments. Violates FCRA 623 ( a ) ( 1 ) ( A
), Texas Family Code 158.402, and constitutes fraudulent re-aging.

Exhibit G Authorized User Suppression ( Capital One XXXX ) XXXX suppressed and failed to report multiple positive XXXX  tradelines, even though XXXX XXXX XXXX reflected them. This selective suppression deflates credit scores and violates FCRA 607 ( b ) ( reasonable procedures for accuracy ) and FCRA 623 ( a ) ( 1 ). 

Exhibit XXXX XXXX XXXX Dispute Confirmations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Shows at least three additional formal disputes submitted to CRAs on my behalf. CRAs continued reporting after repeated notices confirms willful noncompliance under FCRA 616617. 

Exhibit I CFPB Complaint Responses ( Case ID XXXX ) Demonstrates a pattern of evasive or contradictory responses where companies either issued interim responses, denied responsibility, or admitted they can not respond. This failure to provide corrections or validation is further evidence of willful statutory noncompliance. 

Exhibit J Evidence of Retaliatory Suppression Capital One and XXXX  altered or deleted positive payment data during ongoing CFPB investigations, constituting retaliation under FCRA 623 ( a ) ( 1 ) and obstruction of a federal investigation. 

Exhibit K FBCS Data Breach ( XX/XX/XXXX ) FBCS admitted unauthorized access exposed my SSN, DOB, and account data. This establishes a direct fraud nexus, proving subsequent tradelines are tainted by identity theft. Despite being provided this breach letter, CRAs failed to block fraudulent accounts within 4 business days, violating FCRA 605B.

Pattern of Conduct Across these Exhibits, the CRAs and furnishers engaged in : Failure to investigate disputes ( FCRA 611, 623 ). 
Re-aging of accounts and false delinquency reporting.

Suppression of positive tradelines while inflating negative ones.

Collection activity after cease & desist ( FDCPA 805 ( c ) ).

Failure to block fraudulent accounts post-breach ( FCRA 605B ).

Systemic negligence and willful noncompliance under FCRA 616617.

During an active CFPB investigation, Capital One and XXXX  altered/deleted payment data and suppressed AU tradelines, damaging my credit profile. This constitutes retaliation, obstruction of a federal investigation, and willful noncompliance with the FCRA.

Statutes Violated : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate/incomplete data FCRA 607 ( b ) : Failure to follow reasonable procedures for accuracy FCRA 611 : Failure to reinvestigate after certified disputes FDCPA 807 ( 2 ) : False representation of credit information ( by omission )

Company response to consumer: Closed with non-monetary relief