Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX"I am writing to file an urgent and severe complaint against Capital One Bank regarding their illegal and damaging credit reporting practices. I recently reviewed my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX) and discovered that Capital One is reporting inaccurate, excluded, and completely unvalidated information about me. This includes details like an account balance, credit usage, monthly payments, and an alleged past due amount.\n\nThis entire alleged debt is disputed. I have already sent Capital One a formal notice demanding validation of this debt, as required by consumer protection regulations. Despite this, they continue their collection activities and, even worse, keep reporting this false and excluded information. They need to immediately stop reporting any alleged late payments, account status, account balance, credit usage, monthly payments, and past due amounts to any credit reporting agency until they can provide proper validation.\n\nCapital One is illegally putting information on my consumer reports that they are explicitly forbidden by law from reporting. The law clearly states that a consumer report does not include information solely about transactions or experiences between a consumer and the entity making the report. My transactions with Capital One fall under this exclusion. Furthermore, the legal definition of a consumer report does not include things like XXXX  or XXXX  XXXX, or their underlying factors. Therefore, Capital One's reporting of my alleged transactions and experiences is a direct violation of federal law.\n\nSpecifically, I am demanding that they cease and desist reporting:\n\nThe account status they claim is 60 days past due.\nThe account balance.\nCredit usage.\nMonthly payment amounts.\nAny past due amounts.\nThe alleged 30-day late payments from XXXX XXXX  and XXXX XXXXAll of this is information about alleged transactions and experiences with their company that are legally excluded from consumer reports.\n\nIn addition to reporting excluded information, Capital One is inaccurately reporting payments as late!Federal law specifies strict conditions for a creditor to treat a payment as late. They must prove that each periodic statement, containing all legally required information, was mailed or delivered to me at least 21 days before the payment due date. Capital One has not provided this proof. Ive given them 30 calendar days to send me the documentation, including postal tracking numbers, to show they complied with these requirements. If they cant prove they followed the law, they cannot treat my payments as late.\n\nFurthermore, as a financial institution, Capital One is legally required to provide a written notice to me before or within 30 days of furnishing any negative information to a consumer reporting agency. I have requested proof of this notice, including a tracking number with a date and time stamp, to confirm they sent it before they reported this negative information. They have failed to provide this as well.\n\nThe specific account in question is:\n\nCapital One Bank Account # XXXX XXXX XXXX XXXXThey are reporting 30 days late for XXXX XXXX  and XXXX  XXXX on both XXXX  and XXXXXXXXDemands and Consequences\n\nCapital Ones inaccurate record keeping and false reporting have completely undermined my trust in the accuracy of this alleged debt. Their incompetence has forced me to demand a full validation of this debt to assess their record-keeping accuracy.\n\nI have sustained serious injury due to Capital Ones behavior. Their fraudulent, misleading, abusive, and criminal practices have caused significant harm to me, my family, my reputation, my character, and my livelihood. My life has been severely disrupted, and they must be held accountable.\n\nI demand that Capital One immediately:\n\nCease and desist all negative reporting of consumer transactions and experiences related to this alleged debt.\nRemove any negative items and late payments already furnished to all consumer reporting agencies.\nCorrect the accounting of any late payments in their internal account records and update my account to remove them.\nIf Capital One fails to meet these demands within the 30-day deadline Ive given them, they will be liable under federal consumer protection laws. Be assured, I will pursue all available legal avenues and will file complaints with every relevant agency, including the XXXX XXXX XXXX XXXX Attorney General(s), Office of the Comptroller of the Currency (OCC), and Federal Deposit Insurance Corporation (FDIC). This matter must be resolved, and Capital Ones actions will not go unaddressed."

Company response to consumer: Closed with explanation