Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16256070
Complaint Overview
Complaint ID: 16256070
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: 77093
Date Received: 2025-09-29T12:00:00-05:00
Date Sent to Company: 2025-09-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am the consumer directly affected by the inaccurate information being reported and the person who submitted the original complaint ( Complaint ID XXXX ). Capital Ones response stating that the complaint lists someone who is not listed on the account or authorized to receive financial information is false. I am the account holder ( or authorized representative, if applicable ) and am fully entitled to access, dispute, and correct information on my credit report under the Fair Credit Reporting Act ( FCRA ). My original complaint clearly stated that the information at issue pertains to me. Capital Ones refusal to respond on this basis appears to be a tactic to avoid addressing the substance of my dispute. I request that Capital One immediately investigate the disputed information, provide a full and substantive response to my complaint, and correct any inaccurate or incomplete data they have furnished to the credit reporting agencies. Please confirm in writing that you have received this dispute from the correct consumer and will comply with your obligations under the FCRA.
Frequently Asked Questions
What is Complaint #16256070 about?
Complaint #16256070 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 2025-09-29T12:00:00-05:00.
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.