Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX SSN ( last 4 ) : XXXX Date of Birth : XX/XX/XXXX Company Complained About : XXXX  Issue : Incorrect information on credit report Problem : Information belongs to someone else / Account incorrectly marked as derogatory / Account not verified. 

I am filing this formal complaint because XXXX is reporting multiple collection accounts that are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting direct disputes with detailed letters and citing specific FCRA sections, XXXX failed to comply with their duty to conduct reasonable investigations and delete unverified information under 15 U.S.C. 1681i. 

The following accounts are improperly reported : 1. CAPITAL ONE BANK USA Account # : XXXXXXXX XXXX  is reporting this as a charge-off with inconsistent dates of last activity and unverifiable balance amounts ( {$1500.00} ). 
No documentation was provided despite requests under FCRA 609 ( a ) ( 1 ).

Under FCRA 611 ( a ), this should have been corrected or deleted after failure to validate. 
XXXX. XXXX XXXX XXXX Account # : XXXX Listed as CollectionOrChargeOff with mismatched dates ( opened XX/XX/XXXX, last activity XX/XX/XXXX ) and an unsupported {$700.00} balance. 
Verification was not substantiated with original creditor contracts or itemized proof. 
XXXX violated 1681i and 1681s-2 ( b ) by failing to investigate and delete inaccurate data. 
XXXX. XXXX XXXX XXXX Account # : XXXX Balance of {$180.00} with conflicting reporting elements and unverifiable charge-off. 
No documentation was provided per my rights under 609, and the data violates accuracy standards required by 1681e ( b ). 
XXXX. XXXX XXXX XXXX Account # : XXXX Reported a charge-off with a {$0.00} balance, yeXXXX XXXX  continues to report this as derogatory. 
This directly conflicts with FCRA and XXXX XXXX compliance standards, and no valid documentation has been produced. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and others are also misreporting statuses, charge-off data, and dates of last activity. 

I have referenced case law in my letters including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX all of which affirm that credit bureaus have an obligation to conduct a reasonable investigation and remove unverifiable or inaccurate data. 

I provided XXXX  with : Copies of my disputes Requests for verification References to FCRA law and federal rulings Yet they failed to respond adequately or correct the data. This is a direct violation of my consumer rights. 

I am requesting that the CFPB enforce : Full removal of all items not verified per FCRA 611 Enforcement action for continued noncompliance A written explanation of XXXX  verification methods Updated, corrected credit report reflecting all deletions

Company response to consumer: Closed with explanation