Consumer complaint received 2025-06-04 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: DC

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting Request for Deletion I am writing to formally dispute Inaccurate, Incomplete, and/or Unverifiable information on my Credit Report ( s ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

They are Violating My Rights. ( FCRA ) ( 15 U.S.C. 1681 and following ) ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), ( 15 U.S.C. 1681E ( b ), ( 15 U.S.C. 1681-7 ) The following items are Incorrect and must be Investigated and Deleted Immediately : [ CAPITOL ONE AUTO FINANCE ] Account Last XXXX # : XXXX Dispute Reason : [ Inaccurate Balance/Wrong Account Status/Fraudulent/and Listed as a CHARGE-OFF. 

MY CAR WAS TOTALED LOSS BY MY INSURANCE COMPANY PROGRESSIVE. 
I WORKED OUT AN AGREEMENT WITH CAPITOL ONE to BUY-OUT the Remaining Balance of {$9000.00} for the Car Title while they wait for the Insurance Payment. 
I have the XXXX XXXX. I set-up a XXXX XXXX and Completed It. 
There was NEVER a REPOSSESSION or CHARGE-OFF. 

They also Reported Inaccurate Loan Start Dates, false Late Payments, and false Remaining Balance. 

My account has ALWAYS BEEN WRONG on my XXXX XXXX XXXX XXXX with the OPEN DATES : XXXX XXXX XXXX XXXXXXXX ) - XX/XX/XXXX but didn't started Reporting until XX/XX/XXXX. 
Date of First Delinquency ( XX/XX/XXXX ) {$23000.00} Charge Off XXXX XXXX XXXX XXXX ) - XX/XX/XXXX - First Report XX/XX/XXXX Date of First Delinquency ( XX/XX/XXXX ) Last payment date XX/XX/XXXX Status : Paid in settlement. {$23000.00} written off. 

XXXX XXXX XXXX XXXX ) - XX/XX/XXXX - First Report XX/XX/XXXX Date of First Delinquency ( XX/XX/XXXX ) Last payment XX/XX/XXXX Status : Paid in Full. {$24000.00} Charged off. 
CREDIT REPORT SHOWS NO CHARGE-OFF AFTER XX/XX/XXXX ON-TIME PAYMENTS, LATE PAYMENTS, and TOTAL DEBT. 
My Account was Reporting that I owed {$27000.00} even though the account was PAID -IN -FULL and I have/own the Original Title to the Car that Display NO LIEN HOLDER. 
I have been Disputing them for over XXXX  years with No Results from the XXXX XXXX Credit Bureaus. 
CAPITOL ONE AUTO FINANCE Account last XXXX # XXXX -- - I contacted this company after noticing the false information and they said they would fix it. They didn't for years. 
I set-up Auto-Payments with them and they Was Not taking out the Payments. 
Not Once did Capitol One contact me about Late Payments or Repossession or CHARGE-OFF. 
XXXX XXXX REPORTED to the XXXX XXXX XXXX XXXX  that my Account was XXXX Days Late for 2 months before Reporting being CHARGED-OFF for 36 MONTHS WHICH IS 100 % INCORRECT. 
They had DUPLICATE XXXX LATES, XXXX  DAYS LATES, and then XXXX  DAYS LATES CONSECUTIVELY. 
MY ACCOUNT NEVER WENT INTO REPOSSESSION OR A CHARGE OFF. 

MY CAR WAS TOTALED LOSS BY MY INSURANCE COMPANY PROGRESSIVE. 
I WORKED OUT AN AGREEMENT WITH CAPITOL ONE to BUY-OUT the Remaining Balance of {$9000.00} for the car title. I set-up and XXXX XXXX and Completed It. 
There was NEVER a CHARGE-OFF. 

I reported Fraud and Filed a Police Report. I contacted the company and Informed them but no actions were taken by them. 
I have No Idea why they reported false and fraudulent information for years even though they were % XXXX under a Payment Contract Agreement and Receiving My half of the Agreement Payments. 

I have Reported them for the past over XXXX Years with ZERO Results repeatedly. They are Reporting Negatively on ALL XXXX CREDIT REPORTS EXPERIAN TRANSUNION EQUIFAX

Company response to consumer: Closed with explanation