Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15509947
Complaint Overview
Complaint ID: 15509947
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: Texas
ZIP Code: 77047
Date Received: 2025-08-24T12:00:00-05:00
Date Sent to Company: 2025-08-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because there is a Capital One account reporting on my credit profile that I am not personally responsible for. I have disputed this account previously with Capital One and the credit reporting agencies, as it does not belong to me. Capital One filed a lawsuit against me in an attempt to collect on this alleged debt. During the court proceedings, they were unable to provide sufficient evidence that I was responsible for this account. The judge ultimately dismissed the case, recognizing that there was no proof of my liability for the debt. Despite the courts dismissal and the lack of any verified evidence that this account is mine, Capital One continues to report this account to the credit bureaus, negatively impacting my credit. I am requesting the Consumer Financial Protection Bureau to investigate this matter and assist in having this inaccurate and unverified account removed from my credit profile. I am not legally or personally responsible for this debt. I am also requesting that Capital One cease all collection activity and reporting related to this account, as it is not mine, and a court of law has already ruled in my favor.
Frequently Asked Questions
What is Complaint #15509947 about?
Complaint #15509947 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 2025-08-24T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.