Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Category : Credit reporting Incorrect information Improper handling of dispute Failure to verify Complaint Summary I am filing a complaint against Capital One Auto Finance regarding inaccurate credit reporting, failure to properly investigate a dispute, furnishing unverifiable information, and providing an irrelevant response to a CFPB complaint. 

This complaint is NOT an identity theft/fraud claim. 
Capital One incorrectly processed my last CFPB complaint as a fraud claim, even though my dispute was strictly about inaccurate reporting, re-aging, and conflicting information on my XXXX  credit report.

Capital Ones response did NOT address any of my actual concerns about the reporting of this auto loan account. 



Details of the Problem The Capital One Auto Finance account ( ending in XXXX ) appears on my XXXX  credit report with several major inaccuracies, including : XXXX. Conflicting and inconsistent delinquency dates My report shows multiple, conflicting repossession dates and late payment dates for the same account over the years. There is no clear Date of First Delinquency ( DOFD ), as required by law. 
XXXX. Repeated reporting of charge-off status across multiple years A charge-off is being shown repeatedly from XXXX through XXXX. This is improper and suggests re-aging, which is prohibited under the Fair Credit Reporting Act. 
XXXX. Invalid date entries in the account comments My XXXX file lists several Invalid date notations in the comment history for this account. These are clear signs of inaccurate, incomplete, and unreliable data being furnished. 
XXXX. Past due balance still being reported AFTER the charge-off A past-due balance continues to be shown each year, which is not accurate for a charged-off account and artificially inflates the severity of the delinquency. 
XXXX. Failure to provide a method of verification Capital One has not provided any documents, statements, repo notices, payment history, DOFD records, or verification proving the accuracy of their reporting. 
XXXX. Improper and irrelevant response to prior CFPB dispute In the previous CFPB response, Capital One sent me a fraud questionnaire and affidavit, and closed my case for lack of fraud documents. 
This is inappropriate because my dispute had nothing to do with fraud. 
I never claimed fraud, and I am not alleging identity theft. 

Capital One responded with the wrong template and failed to investigate the actual issue, violating FCRA 623 ( b ).

Why This Is a Violation Capital Ones actions violate multiple sections of the Fair Credit Reporting Act : FCRA 623 ( a ) Accurate reporting They are furnishing conflicting, inaccurate, and unverifiable information.

FCRA 623 ( b ) Duty to investigate They did not investigate the dispute I submitted ; they sent a fraud packet instead.

FCRA 611 & 612 Incomplete or unverifiable information must be corrected or deleted The data they are furnishing includes invalid date entries and can not be validated.

FCRA 605 ( a ) Re-aging prohibition The repeated charge-off and delinquency reporting over multiple years makes the account appear newer and more severe than it actually is.

Company response to consumer: Closed with explanation