Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7575510
Complaint Overview
Complaint ID: 7575510
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: Maryland
ZIP Code: 20708
Date Received: 2023-09-19T12:00:00-05:00
Date Sent to Company: 2023-09-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose. Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= XXXX ========================================= XXXX XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT. Please sign the above receipt and send back a scanned/photocopy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX for free ESigning services. If you have any questions about this transaction, please call ( XXXX ) XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any. information obtained will be used for that purpose. Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is. confidential and privileged. If you are not the intended recipient, you are. hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer. Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$2300.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Credit limit {$1300.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXXXXXX Status Collection account. {$1.00}, 467 past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$1400.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance - Terms 1 Months Account info Account name XXXX XXXX Account number XXXX Account type Rental Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$680.00} Balance updated XX/XX/XXXXXXXX Recent payment {$32.00} as of XX/XX/XXXXXXXX Monthly payment - Original balance {$850.00} Highest balance - Terms 26 Months Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Closed. {$440.00} written off. Status updated XX/XX/XXXXXXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$440.00} Terms -
Frequently Asked Questions
What is Complaint #7575510 about?
Complaint #7575510 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 2023-09-19T12:00:00-05:00.
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.