Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13728162
Complaint Overview
Complaint ID: 13728162
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: Texas
ZIP Code: 77642
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to the information on my credit report, this account continues to reflect a balance despite being closed. Under the FCRA, credit reporting agencies are required to ensure that information reported is accurate and complete. Reporting a balance on a closed account is misleading and can have a negative impact on my creditworthiness. I am requesting an immediate investigation of this item and the removal or correction of any inaccurate or outdated information related to this account. Please provide written confirmation of the outcome of your investigation as well as an updated copy of my credit report. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), if your investigation results in the deletion or modification of the account, you must also notify any party that received the inaccurate information within the past XXXX months ( or within XXXX years if the report was provided for employment purposes ).
Frequently Asked Questions
What is Complaint #13728162 about?
Complaint #13728162 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 2025-05-26T12:00:00-05:00.
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.