Please be wary of any online sources or “credit repair” companies advising you to seek removal of accurately reported information by claiming we are violating your Fair Credit Reporting Act (FCRA) or privacy rights by accurately furnishing your information. If you choose to file a dispute with the CRAs, note that dispute-related communications will come from the CRAs, not Capital One.Īs a lender that furnishes information to credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, we have a responsibility to furnish customers’ account and payment information accurately and completely. Please send your dispute and supporting materials directly to Capital One Auto Finance at the address listed below: When filing your dispute, we strongly encourage you to provide us with the specific information you believe was inaccurately or incompletely reported (such as payment dates or account status), and include supporting information that would help in the investigation (e.g., front and back of check, bank statement, marked-up copy of the credit report, etc.). We recommend downloading and completing our Credit Report Dispute Form and providing all relevant information that explains your situation.
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If any changes are deemed necessary, note that the CRAs will typically update your credit report(s) within 1-2 billing cycles after the investigation is complete.įiling a Dispute with Capital One Auto Finance We will investigate your dispute using the information provided, and respond within 30 days.
If you believe that the late payment shown on your credit report is inaccurately reported, you can file a dispute with us or through the credit reporting agencies (CRAs), like Equifax, Experian and TransUnion. The Fair Credit Reporting Act (FCRA) gives you the right to dispute information you believe to be incomplete or inaccurate and requires furnishers like Capital One Auto Finance to conduct reasonable investigations of disputes.
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