Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my XXXX Credit report " KOHLS/CAPONE '' ran THREE hard inquiries on my credit report on XXXX, XXXX, and XXXX. I HAD a Kohls credit card and I always paid it on time, but they closed my credit card account, because my credit score dropped. I NEVER REAPPLIED for a Kohls Credit card. I am begging you to please remove the 3 hard inquiries from ALL of my credit reports, because it is causing a negative impact on my credit report. The THREE HARD INQUIRIES HAVE were all ran within 2 weeks from each other. How is that even possible? PLEASE ****validate that this debt belongs to me and please also show me the original contract**** On XXXX-2021 I called the Kohls phone XXXX listed on the XXXX website ( XXXX ) XXXX to dispute the THREE hard INQUIRIES and I spoke with XXXX ( XXXX works at the credit department at kohls ) XXXX advise me to call this number XXXX to dispute the hard inquiries. I called the number XXXX advise XXXX and it is the XXXX phone number. I was not able to speak to a customer service associate. I called the KOHLS/CAPONE number again ( XXXX ) XXXX and I spoke to XXXX XXXX number " XXXX. '' I spoke to marlin and he advise my acount has been inactive XXXX advise he couldnt pull up any information regarding my credit being ran to open a Kohls credit card. ( I provided him with my social security number, name, phone number ) XXXX XXXX to call XXXX charge to get the best resolution XXXX. XXXX. XXXX. I called XXXX. XXXX. XXXX and I spoke with XXXXI.D number XXXX. XXXX was very dismissive and rude and told me I needed the FRAUD DEPARTMENT and transferred my call before I could ask a question. XXXX transferred my call and I spoke with XXXX-I.D XXXX XXXX and he advise he would have someone contact me, because he said my credit was never ran those dates and he didn't see that in his system. I have provided you with screenshots of the calls I made to the Kohls Capone number. The screenshots also show the hard inquries on my credit report from XXXX. A lot of these agents were rude and some of them hung up on me, when I asked them for there name. I believe the Kohls CapOne number has employees out of the country in XXXX, because the majority of the Representatives didnt speak XXXX well and there was a HUGE LANGUAGE BARRIER.. Pleasw contact me if you have any questions or concerns. XXXX XXXX XXXX Email : XXXX On XXXX XXXX XXXX XXXX XXXX XXXX having seen the screetshots i uploaded on the cfbp website that PROVED KOHLS HAD ran my credit and ruined my credit. She took no ownership and sent a lettwr requesting documents I already uploaded and she can view. She blamed it on capital one. My credit report says kohld ran 3 hard inquiries. Kolhs should figure out how to remove it from my credit report. I will upload my credit report.bon my credit report I actually have an account with capital one ( its fir a car ) and its an example that their name is listed when they run their credir.

Company response to consumer: Closed with non-monetary relief