Consumer complaint received 2017-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I   XXXX   XXXX   am writing this request due to incorrect reporting on my credit file.     I went into   XXXX   XXXX    (    XXXX   XXXX   XXXX   ). On   XXXX   XXXX   because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to   XXXX   XXXX  . I then spoke with Owner   XXXX   XXXX   and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by   XXXX   XXXX   that the credit pull on  XX/XX/XXXX  and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on   XXXX  . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because   XXXX   XXXX   me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that   XXXX   XXXX    Inq  uiry be  removed  My my cr edit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  7 othe r company 's without authorization or consent.     Including :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , MN  XXXX  The inquiry was submitted on    XXXX   XXXX    and on   XXXX   XXXX   XXXX     without authorization or consent.     2.   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , PA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     3.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   and again on   XXXX   XXXX   XXXX  . Both without authorization or consent.     4.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , TX,  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX   Without authorization or consent.     5.   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX  The inquiry was submitted on   XXXX   XXXX   XXXX  . Both without authorization or consent.

Company response to consumer: Closed with explanation