Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint and Request for Investigation Charge-Off Accounts Involving FCRA & XXXX XXXX XXXX To Whom It XXXX Concern, I am submitting this formal complaint to dispute XXXX or more charge-off accounts being inaccurately reported on my consumer credit file and to request an immediate investigation and permanent removal of the offending entries, pursuant to violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards XXXX and related consumer protection laws. 

I have already disputed this matter directly with the credit reporting agencies and the original creditors, and despite being granted the legally required time to investigate, no corrections or proper validation were made. The inaccurate and noncompliant reporting remains on my credit profile, continuing to cause me harm. 

Violations Include : 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 1681e ( b ) : Data furnishers and credit reporting agencies are required to ensure maximum possible accuracy. The charge-off accounts contain numerous errors, including inconsistent balances, conflicting dates, and incomplete information.

1681s-2 ( b ) : After receiving my formal dispute, data furnishers failed to properly investigate or correct the information. No results of investigation were communicated back to me, and the erroneous reporting remains unchangedclear violations of this section. 

XXXX. XXXX XXXX Compliance Violations The accounts in question are also being reported in direct contradiction to the XXXX XXXX XXXX XXXX XXXX XXXX format standards, including but not limited to : Re-aging of delinquency dates. 
Reporting a balance on an account marked as charged-off. 
Omission of required data fields such as the Date of First Delinquency ( DOFD ) or Compliance Condition Code. 

These actions not only result in inaccurate reporting but also unfairly extend the negative impact of the account beyond the FCRAs allowable timeframe. 

Requested Resolution : In light of these multiple violations and the failure of furnishers and bureaus to respond appropriately to my prior disputes, I am requesting that the CFPB : XXXX. Initiate an immediate investigation into the handling of my dispute and the compliance of the data furnishers and credit reporting agencies. 
XXXX. Permanently delete the charge-off accounts from all credit bureaus due to their unverifiable, inaccurate, and noncompliant reporting. 
XXXX. Provide written confirmation of the investigation results and corrective actions taken. 

Please find attached supporting documentation, including prior dispute records and annotated credit report excerpts. 

I expect the CFPB to exercise its oversight authority and hold these entities accountable for their failure to comply with federal law. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation