Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14472213
Complaint Overview
Complaint ID: 14472213
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: Information belongs to someone else
State: Maryland
ZIP Code: 20744
Date Received: 2025-07-04T12:00:00-05:00
Date Sent to Company: 2025-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to formally lodge a complaint regarding XXXX 's reporting of an account that does not belong to me, which has negatively impacted my credit report. This account appears on my credit reports across all three major credit bureaus, and I believe it is a case of mistaken identity or potential fraud. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. Given the nature of this issue, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX to remove the aforementioned account from my credit reports with XXXX XXXX, and XXXX. Additionally, Maryland 's Consumer Protection Act prohibits unfair or deceptive practices, including the reporting of inaccurate information to credit reporting agencies. This incident not only violates my rights under the FCRA but also contravenes Maryland state laws designed to protect consumers from fraudulent activities. Im also a victim of identity theft I do have a police report to attached for reference. I have attached any relevant documentation to support my claim, including a copy of my credit report highlighting the erroneous account. I would appreciate your prompt attention to this matter and look forward to your response regarding the steps that will be taken. Thank you for your attention to this urgent issue.
Frequently Asked Questions
What is Complaint #14472213 about?
Complaint #14472213 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 2025-07-04T12:00:00-05:00.
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.