Credit card -- Incorrect information on your report -- Complaint #8974523
Complaint Overview
Complaint ID: 8974523
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: New York
ZIP Code: 14626
Date Received: 2024-05-09T12:00:00-05:00
Date Sent to Company: 2024-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I discovered a discrepancy on my credit report involving a Capital One account indicating a 120-day late payment, purportedly opened in XX/XX/XXXX. Despite my vigilant monitoring of credit activities, I did not receive any notifications regarding this account. This lack of notification stemmed from the account being associated with two previously closed Capital One accounts, which intermittently sent notifications. Upon identifying this anomaly in XXXX, I promptly took corrective measures to address the issue. This included initiating the closure of the account and requesting its removal from my credit reports. Subsequently, I undertook a systematic approach to address the matter, involving the submission of an identity theft report to the FTC, filing a police report, and engaging with the relevant credit bureaus and Capital One. To facilitate a thorough investigation into the fraudulent activity, I requested comprehensive documentation from Capital One, including the account application, transaction statements, associated business information, and digital identifiers of the alleged account holder. This request was made in accordance with established protocols and regulations governing identity theft investigations. It is pertinent to note that the nature of the account in question was a business card, associated with a business entity not affiliated with my own. This further underscores the seriousness of the fraudulent activity and its potential implications. Despite my efforts to resolve the matter amicably and in accordance with legal provisions, I have encountered challenges in obtaining the requested information from Capital One. Furthermore, the recent communication from Capital One asserting the validity of the account without providing substantiating evidence is concerning. In light of these developments, I believe that Capital One has violated the Fair Credit Reporting Act ( FCRA ). I remain committed to cooperating with all relevant parties to achieve a satisfactory outcome and mitigate any adverse impact on my credit standing.
Frequently Asked Questions
What is Complaint #8974523 about?
Complaint #8974523 was filed against Capital One Financial Corporation regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-09T12:00:00-05:00.
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.