Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Concerns of False Inquiries Reported on XXXX, XXXX, And XXXX Credit reports/ Credit File I noticed inquiries on my credit report that I have no knowledge of. I have NOT given anyone permission or consent to view, access or use my credit report for any reason, I am giving you as much information as I can to help you with this deletion demand so please feel free to utilize this information.

According to Section 604 FCRA, I would greatly appreciate if you would kindly provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these unauthorized inquiries deleted immediately. If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done.

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of XXXX, XXXX, and XXXX because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies did not have permission or authorization to request my credit report : Alleged Inquiry : XXXX XXXX XXXXXX/XX/XXXX was never authorized Alleged Inquiry : XXXX  XXXX XXXXXX/XX/XXXX and XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX was never authorized Alleged Inquiry : Capital One Fianc XX/XX/XXXX and XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX  XX/XX/XXXX was never authorized Alleged Inquiry : Capital one bank XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXXwas never authorized Alleged Inquiry : XXXX XXXX  XX/XX/XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXXXXXX XXXX, XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  was never authorized I am concerned because I did not apply for credit with these companies. I demand the deletion of these unauthorized, unproven, non-compliant, and unverified inquiries as required by law if unproven with an actual purpose that was not concluded by me Please help me and mail a new credit report when these unknown inquiries have been deleted. 

Thanks for your sincere help

Company response to consumer: Closed with explanation