Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10131772
Complaint Overview
Complaint ID: 10131772
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 301XX
Date Received: 2024-09-15T12:00:00-05:00
Date Sent to Company: 2024-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have reached out to Capital One via certified mail on XXXX separate occasions, requesting creditor disclosure statements on the final letter regarding the account ending in XXXX. Each time, Capital One has failed to respond within the appropriate time frame, effectively defaulting on their obligation to provide the requested information. My final letter, sent on XX/XX/year>, served as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692g. In this letter, I demanded that Capital One cease and desist from further payments until they provided the requested creditor disclosure statements. Additionally, I warned that failure to comply and any negative marks on my credit report would prompt me to take further legal action. Despite these communications, Capital Ones responses were either late or nonexistent. When I contacted the agency by phone, they claimed to have no record of the letters they sent in response and no data about the matter, despite my efforts to address the issue both by mail and verbally. Their disregard for my requests, along with their failure to provide the disclosure statements as required, has resulted in continued commercial fraud, in violation of federal law.
Frequently Asked Questions
What is Complaint #10131772 about?
Complaint #10131772 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-09-15T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.