Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7465558
Complaint Overview
Complaint ID: 7465558
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: Texas
ZIP Code: 76502
Date Received: 2023-08-28T12:00:00-05:00
Date Sent to Company: 2023-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments. I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies. 15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone. 15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared. 15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions. Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies. There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Frequently Asked Questions
What is Complaint #7465558 about?
Complaint #7465558 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 2023-08-28T12:00:00-05:00.
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.