Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXXXXXX  I applied for XXXX XXXX benefits due to all the stress that I had been going through since there is false information being portrayed from accounts that where opened online, funds where deposited elsewhere and not to my personal checking account XXXX is my routing number and XXXX is my account number that is under my real name XXXX XXXX XXXX someone opened up a fake account in XXXX XXXX  under a false name and number since they were only capable of writing XXXX XXXX and my ssn number that clearly is not what resembles on my physical SSN card because it has all 4 of my names on it. I believe it was my old roommate who self evicted me and stole my stuff including my lap top and was able to get partial information about me that allowed him to get a enormous amount of credit lines through online websites and I had not gone out of my way ever since my last car loan with XXXX XXXX in the year XXXX because I always make it my goal to use my sensitive information to get car loans or personal loans in person and never online how many of the fraudulent accounts show I did I am positive it is his because when I was getting unemployment benefits and went out of town the bank caught my old roommate removing XXXX $ from that account which they gave me back after they investigated and looked through the video footage of the ATM where he removed the cash from not far from where we used to rent together along with 6 other people but he was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I tried contacting the XXXX XXXX police department but they were of bo help since they said that they don't deal with civil cases and if I wanted something done I had to go to court but other than standing by as I retrieved all my belongings and fit what I could in my XXXX I ended up loosing the court case of getting a restraining order against him because XXXX XXXX believed all the fake witnesses he brought to testify under my name. I do have messages from XXXX XXXX sending me pictures of my stuff in the street and even saying that he tried to look for me at XXXX XXXXXXXX XXXX XXXXXXXX XXXX california XXXX which is my father 's house that I had not lived in since XXXX so that's how I concluded that he was the culprit as to who opened those fraudulent accounts under my name because he never knew my full name or ever knew where I was staying since I've been homeless for the past 2 years because I don't pass credit checks due to all the damage he has caused me in a mental level which I thought was somewhat impossible but once I became a first hand victim of his mental torture I realized that he went to prison for a reason I just never knew for what because he had already self evicted me on his own without being the main man who collected rent. So everything that says XXXX XXXX and his old number XXXX are accounts opened by him not me due to the fact that no contract has my signature or my whole 4 names.

Company response to consumer: Closed with explanation