Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4731233
Complaint Overview
Complaint ID: 4731233
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: New Jersey
ZIP Code: 070XX
Date Received: 2021-09-17T12:00:00-05:00
Date Sent to Company: 2021-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with CAPITAL ONE, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Frequently Asked Questions
What is Complaint #4731233 about?
Complaint #4731233 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-09-17T12:00:00-05:00.
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, credit repair services, 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.