Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear XXXX XXXX, On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). XXXX would like to thank you for the opportunity to address your concerns outlined in the complaint. XXXX success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. XXXX has thoroughly investigated your complaint, responded to the CFPB, and made the following determination. On XX/XX/XXXX, you signed a Retail Installment Sale Contract Simple Finance Charge ( WithXX/XX/XXXX ) ( Contract ) for the purchase of the XXXX XXXX XXXX ( VIN # XXXX ) ( Vehicle ) with XXXX XXXX XXXX ( Dealer ), which was later assigned to XXXX where it was ascribed an account number of XXXX ( Account ). The Contract payment schedule stated 72 monthly payments of {$460.00} beginning XX/XX/XXXX. Regarding your credit reporting, XXXX is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately to the Credit Reporting Agencies ( CRAs ). Account information is furnished to the CRAs every month and will reflect the status of the Account at the time of reporting. Exeters records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, no adjustments are necessary. Any discrepancies between the information reported by XXXX and what is reflected on your credit file will need to be addressed by the CRAs directly as each reporting agency is governed by their own guidelines and procedures. On XX/XX/XXXX, your Account was sold and is now serviced by XXXX XXXX XXXX XXXX XXXX ( XXXX ). We are unable to act with respect to this Account regarding any matters that occurred after the sale of this debt. You would need to contact XXXX at ( XXXX ) XXXX to discuss any updates regarding their tradeline. Included with this response is a copy of your executed Contract and the Transfer of Account Ownership letter that was originally mailed to you on XX/XX/XXXX. We trust this response answers any questions associated with the complaint. For any questions about these or any other concerns, we encourage you to contact the XXXX XXXX XXXX XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments Transfer of Account Ownership Letter XXXX XXXXpdf ( 2.1 MB ) Contract.pdf ( 544.5 KB ) Feedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from the company 's response to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPB work with consumer complaints. 

Closed The CFPB has closed your complaint. 
Privacy Act Statement OMBXX/XX/XXXXXXXX Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX

Company response to consumer: Closed with explanation