Credit card -- Improper use of your report -- Complaint #18332234
Complaint Overview
Complaint ID: 18332234
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Maryland
ZIP Code: 20785
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Capital One is furnishing materially inaccurate and misleading information to TransUnion regarding a charged-off credit card account. Despite the account being charged off and closed, Capital One continues to update the account monthly with a fluctuating balance and payment history, creating the appearance of an active obligation. This violates the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Additionally, the reporting raises concerns of unlawful re-aging under 15 U.S.C. 1681c ( a ), as the continued updates extend the appearance of delinquency beyond the original charge-off event. I have disputed this information with XXXX. If Capital One can not produce competent evidence verifying the accuracy of every reported field, the account must be deleted. I am requesting immediate deletion and written confirmation.
Frequently Asked Questions
What is Complaint #18332234 about?
Complaint #18332234 was filed against Capital One Financial Corporation regarding Credit card 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 card) 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.