Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15445895
Complaint Overview
Complaint ID: 15445895
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: Florida
ZIP Code: 34990
Date Received: 2025-08-21T12:00:00-05:00
Date Sent to Company: 2025-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One has my last name spelled incorrectly and my Social Security Number recorded with one wrong digit. These clerical errors caused my account ( ending in XXXX, XXXX, XXXX, XXXX ) to be blocked and my high credit limit revoked journey identity, the time of my life, where everything was reported to the FTC and including their own internal processes, IRS and all other regulatory agencies with proven documentation of the identity, theft, and selling of my information from XXXX XXXX and police reports. I provided them with the proof via email was sent directly from them and Ive called over the course of the past XXXX years and nothing has been done. I provided government ID, Social Security card, and proof of address multiple times, but Capital One has not corrected its records. Due to the nature of Capital One recorded my last name incorrectly and my Social Security Number off by one digit. Despite providing proof ( government-issued ID, Social Security card, proof of address ), Capital One has failed to correct these errors. Because of this, my {$30000.00} credit line was revoked, two other cards remain open under the wrong name/SSN, and I have been denied proper billing statements. This caused financial harm, higher out-of-pocket costs, and emotional distress during the time of my daughters passing. I believe this violates the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA/FCBA ), and Equal Credit Opportunity Act ( ECOA ). I am requesting correction of my records, reinstatement of my account and limit, copies of all billing statements ( up to 7 years ), and compensation for actual and punitive damages due to Capital Ones reckless disregard for my rights.
Frequently Asked Questions
What is Complaint #15445895 about?
Complaint #15445895 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 2025-08-21T12:00:00-05:00.
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.