Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I am XXXX XXXX XXXX, the consumer and account holder for the above-referenced Capital One Bank ( USA ) , N.A. account. This letter is submitted in response to Capital Ones rejection of my CFPB complaint on the stated basis of authorization needed. 

I dispute both the substance of Capital Ones continued inaccurate credit reporting and its procedural refusal to address my complaint. My complaint was submitted to the Consumer Financial Protection Bureau on XX/XX/year>, under CFPB Complaint No. XXXX, and concerns Capital Ones furnishing of a late payment on a closed account information that is factually impossible and remains uncorrected despite prior notice.

This correspondence therefore serves ( 1 ) as a formal dispute of the inaccurate credit reporting, and ( 2 ) as express authorization for Capital One Bank ( USA ), N.A. to communicate with, investigate, and respond substantively to my CFPB complaint without further procedural delay.

-FORMAL DISPUTE INACCURATE CREDIT REPORTING Capital One is furnishing factually inaccurate information to consumer reporting agencies regarding this account. 
Account # XXXX Specifically, Capital One is reporting a late payment on a closed account, which is factually and legally impossible. This account was closed and previously removed from my credit file. Despite that removal, the account was later reinserted and is now being reported with a late payment dated XX/XX/year>, a date that post-dates the accounts closure and reflects activity that could not have occurred. 

I disputed this inaccurate reporting with the consumer reporting agencies. Capital One received notice of the dispute, yet the inaccurate information continues to be furnished.

Capital Ones conduct violates its duties under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers, after receiving notice of a dispute, to : Conduct a reasonable investigation Review all relevant information Correct or delete information that is inaccurate, incomplete, or unverifiable Reporting a delinquency on a closed account especially after prior removal fails these requirements.

FORMAL DEMANDS Accordingly, I hereby demand that Capital One : 1. Immediately correct or delete the inaccurate late payment and any post-closure activity 2. Cease furnishing any inaccurate or misleading information regarding this account to consumer reporting agencies 3. Provide written confirmation that the account has been corrected or permanently deleted 4. Identify and produce all documentation relied upon to support any claim that this account was delinquent after closure, if such documentation exists Please note that legal action has already been initiated regarding this inaccurate reporting. A copy of the legal filing was enclosed with my prior correspondence and was also provided to XXXX  by certified mail. 

Failure to correct this matter will be treated as continued and willful noncompliance with the Fair Credit Reporting Act and may result in the pursuit of additional legal remedies, including statutory damages, actual damages, and attorneys fees. 



AUTHORIZATION TO RESPOND TO CFPB This section is provided in response to Capital Ones CFPB notice stating that authorization was required.

I hereby expressly authorize Capital One Bank ( USA ), N.A. to communicate with, disclose information to, and provide a full substantive response to the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint and all matters relating to this account. 

I confirm that : I am submitting the CFPB complaint on my own behalf No third party is authorized to act for me or represent me in this matter This authorization is provided solely for the purpose of investigating and resolving the CFPB complaint This authorization includes, but is not limited to, disclosure and discussion of : Credit reporting history Account closure status Any alleged delinquency or late payment Furnishing, reinsertion, and verification procedures Capital One is authorized to proceed immediately with its investigation and response.

Company response to consumer: Closed with explanation