Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283193
Capital One Account Error on Credit Report
Complaint Overview
Complaint ID: 16283193
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: Georgia
ZIP Code: 30060
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to incorrect account information on a credit report, which is typically resolvable through direct communication with the credit bureau and the creditor.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 16283193 was filed against CAPITAL ONE FINANCIAL CORPORATION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Georgia consumer reported incorrect account information on their credit report from Capital One, which was closed with an explanation. The complaint was received on September 30, 2025 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency and the company that provided the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers of information to report accurate data and investigate disputes.
Regulatory Insight
Credit furnishers must ensure the accuracy of the information they report to credit bureaus and have procedures in place to correct errors promptly when identified.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common across the credit reporting industry, with consumers frequently disputing incorrect account information with various financial institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283193 about?
CFPB complaint 16283193 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against CAPITAL ONE FINANCIAL CORPORATION on September 30, 2025.
Which company is complaint 16283193 filed against?
Complaint 16283193 was filed against CAPITAL ONE FINANCIAL CORPORATION. You can view all complaints against this company on their profile page at /company/capital-one-financial-corporation.
What was the company's response to complaint 16283193?
CAPITAL ONE FINANCIAL CORPORATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283193 filed?
Complaint 16283193 was received by the CFPB on September 30, 2025. It was sent to CAPITAL ONE FINANCIAL CORPORATION on October 1, 2025.
What state was complaint 16283193 filed from?
Complaint 16283193 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 16283193?
Dispute information is not available for complaint 16283193.
What product category is complaint 16283193 about?
Complaint 16283193 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 16283193 submitted?
Complaint 16283193 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16283193?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, requiring furnishers of information to report accurate data and investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against CAPITAL ONE FINANCIAL CORPORATION involving "Incorrect information on your report".
How likely is complaint 16283193 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16283193?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect account information on a credit report, which is typically resolvable through direct communication with the credit bureau and the creditor.
What regulatory actions apply to complaint 16283193?
Credit furnishers must ensure the accuracy of the information they report to credit bureaus and have procedures in place to correct errors promptly when identified. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 16283193?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency and the company that provided the information.
Are there state-specific protections for complaint 16283193?
In Georgia, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Georgia.
How does complaint 16283193 compare to industry norms?
This issue is common across the credit reporting industry, with consumers frequently disputing incorrect account information with various financial institutions.
What steps should a consumer take if they find incorrect account information on their credit report?
First, dispute the incorrect information directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion). Then, also dispute it with the company that provided the information to the credit bureau, in this case, Capital One.
How long does a credit reporting agency have to investigate a dispute?
Generally, credit reporting agencies have 30 days to investigate a dispute after receiving it, though this can be extended to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.