Capital One has not been reporting my credit to Experian. I applied for an auto loan and was given a 19% interest rate because Capital One has not reported either of my credit cards to Experian for the past 2 years. To correct this I have to mail a physical letter to Capital One containing my personal information describing the issue, allow 30 days for them to review, 7 days to contact the credit bureaus, then two billing cycles for the correction to appear. Canceling my cards.