Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18331501
Complaint Overview
Complaint ID: 18331501
Company: Capital One Financial Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Massachusetts
ZIP Code: 01830
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One is willfully violating the Truth in Lending Act ( TILA ) and the FCRA. On XX/XX/XXXX, I sent a formal dispute ( XXXX XXXX : XXXX ) regarding illegal late payments from XXXX to XX/XX/XXXX. To prevent " verification '' excuses, I included my Drivers License and a Utility Bill. Capital One received this and has completely ignored me. The Violations : TILA 21-Day Rule ( 15 U.S.C. 1666b ) : Creditors can not report a payment as late unless the bill was delivered 21 days before the due date. Capital One has failed to produce the electronic metadata logs proving these statements were sent on time. Failure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Ignoring a verified dispute is a federal violation. Capital One is maintaining a " delinquency cycle '' caused by their own failure to provide billing statements.
Frequently Asked Questions
What is Complaint #18331501 about?
Complaint #18331501 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-28T12:00:00-05:00.
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.