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Identity Theft & Credit Reporting Lawyers > Blog > Credit Report > INACCURATE CREDIT REPORTS FROM CAPITAL ONE AND CAPITAL ONE AUTO

INACCURATE CREDIT REPORTS FROM CAPITAL ONE AND CAPITAL ONE AUTO

Auto Credit

Blankingship & Christiano have dealt with Capital One in the past and know the issues to examine involving an inaccurate credit report whether it be from inaccurate credit reporting, identity theft, or improper charged off and collection accounts for an automobile loan.

Credit reporting errors and inaccuracies with Capital One and Capital One Auto can be very frustrating for a consumer and often impossible to correct on your own.  Capital One is among the largest credit card issuers by purchase volume, and Capital One Auto is believed to be the second largest automobile finance company in the country.  Capital One is headquartered in McLean, Virginia (less than 5 miles from our offices), and Blankingship & Christiano has experience helping consumers with inaccurate credit reporting involving Capital One accounts.

CAPITAL ONE AUTO CREDIT REPORT PROBLEMS

Purchasing and financing an automobile can be a very stressful experience for the typical consumer but dealing with inaccurate credit reporting related to such accounts is far worse. Car payments are sometimes misapplied which can create inaccurate late payments appearing on your automobile loan.  Among biggest inaccurate credit report problems that we have encountered is with erroneous credit reporting at the end of an auto lease and particularly when the consumer extended the lease for an additional five months.  Those cases often lead to contentious litigation, but the problems can be corrected in time.  Our firm has also helped consumers with problems where the pay-off for a previous car loan did not happen as the automobile dealer promised in the new car purchase.  Inaccurate charge-off and collection accounts related to automobile loans are extremely damaging to a consumer’s credit file and credit score.

CAPITAL ONE CREDIT CARD AND IDENTITY THEFT

Credit card issuers like Capital One also have issues with identity theft credit card accounts.  Identity thieves like to use major credit card companies in their efforts to obtain fraudulent credit cards over the internet as quickly and as easily as possible.  These fraud accounts generally follow the same pattern: opened on-line with no documentation or signatures, promptly charged to the maximum, no payments are made, and the account is charged off within five months.  Credit card companies might not lose much money on a $2,500 fraudulent credit card line, but that same account as a charge-off can destroy a consumer’s credit score and credit file.  Worse yet, Capital One will not want to correct the credit reporting and will continue to claim that the fraudulent account is accurately reporting.  Those cases require experienced lawyers to rectify and correct.

Blankingship & Christiano accept most of their cases and clients on a contingency fee basis, so the consumer does not need to be out of pocket any money to hire a lawyer and fight Capital One.  We fight for justice and hold companies like Capital One responsible for their inaccurate credit reporting and refusal to correct it after the consumer disputes it.

If you have an error on your credit report and need legal help getting it corrected contact the Virginia Credit report error lawyers at Blankingship & Christiano, P.C.  (571) 207-8331 or fill out our contact form to discuss your case.

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