Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15593603
Complaint Overview
Complaint ID: 15593603
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: Wisconsin
ZIP Code: 534XX
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-09-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir or Madam, I am writing to formally dispute multiple accounts currently listed on my credit file. I have never authorized or consented to these debts or accounts, except where noted, and I did not give permission for the reporting of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and, for medical accounts, the Health Insurance Portability and Accountability Act ( HIPAA ), I demand immediate reinvestigation and removal of any unverifiable or inaccurate information. FCRA - 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information they report. - FCRA - 15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed information within 30 days. - FCRA - 15 U.S.C. 1681c-2 : Governs reporting of medical debts, requiring accuracy and compliance with time limits. - FDCPA - 15 U.S.C. 1692g : Grants consumers the right to request validation of debts. - FDCPA - 15 U.S.C. 1692e ( 8 ) : Prohibits communicating false or misleading information to credit reporting agencies. - HIPAA - 45 CFR 164.502 & 164.508 : Prohibits unauthorized disclosure of protected health information without written consent. My Demands : 1. Provide full validation for each account, including copies of any original signed contracts or agreements proving I am liable. 2. For medical accounts, provide proof of HIPAA-compliant authorization allowing the disclosure of my information to you. 3. If you can not validate the accuracy and legality of any account, delete it immediately from my credit file. 4. Provide me with the name and contact information of the original creditor and any third-party furnishers of this data. 5. Send me written confirmation of the results of your reinvestigation within the 30-day period required by law. Notice of Intent : If these accounts are not removed or corrected within 30 days, I will file complaints with the Page 2 Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Health and Human Services ( for HIPAA violations ), and my state Attorney General 's office. I reserve the right to seek all remedies available under the law for willful noncompliance.
Frequently Asked Questions
What is Complaint #15593603 about?
Complaint #15593603 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 2025-08-28T12:00:00-05:00.
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.