Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Notice to principal is notice to agent, In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voulentary. This is a private transtion and this a unfaverable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it metion that a natural person can be denied credit. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I recceived no benifit for the use of my credit. A inquiry popped up on my consumer report which is a receipt of transaction meaning someone got paid off my credit and I reccived no benefit at all. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against in pursuant to 15 U.S.C. 1691. For the damages that have been done to my mental distress and financial as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. Im aware of my open end credit plan, my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which Ive extended credit. The inquiries on my credit consumer report is a clear indication of a transaction, a transaction consist of exchange of currency, goods, and or services in which I reccived no benefits from. I was discriminated against and according to the FCRA and also by the description of the United States Codes listed above this is a violation of federal law. I spoke with a XXXX XXXX from the Capitol One fraud and dispute department Agent # XXXX on XX/XX/XXXX  and she stated that Captiol One was unable to complete my request for reinvestigation and also that the company does'nt have any actions that could be taken further than the complaint that I sent and was unable to send any proof of correspondence to me concerning this matter Attorney in Fact for XXXX XXXX XXXX

Company response to consumer: Closed with explanation