Consumer complaint received 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have applied for credit cards that are with XXXX XXXXXX/XX/XXXX the same bank that I have a XXXX XXXX credit card account with and feel discrimination with the invalid reasons to improve my credit score by the defaming reasonings, they are : 1 ) XXXX XXXX XXXX Mastercard Credit Card, as the statement is " your request was carefully considered, however, based on " information '' in your credit report, we are unable to approve your application, as to A ) too many inquiries that are/were a " hard pull '' to decrease my credit score, B ) Number of " subprime '' finance inquiries, as this is " deceptive business practices '' from within the XXXX XXXXXX/XX/XXXX that goes against the XX/XX/XXXXand the Federal Trade Commission, C ) the " proportion of loan balances to loan amounts too " high '', as this is/was unethical, illegal, and intended to depreciate the consumer, XXXX XXXX from the illegal tactic of using the 1 % loan balance as part of " income '' when in essence is a " school based loan '' and it report loans on credit reports is illegal when in " good standing '', and 4 ) too few bankcard accounts, as the consumer themselves has the " fair and balance '' right to justify how many credit cards the consumer needs, wants for business, or personal, such as to " increase '' or " assist '' in gaining a " good standing '' within the credit cards company, instead of being " shamed '' for not having the " financial portfolio '' designed within the rarity of consumers that care, such as myself, as reference number is XXXX from XX/XX/2020. The second letter from XXXX XXXXXX/XX/XXXXis a XX/XX/XXXXCredit Card, where I frequent as a consumer shopper for my moving merchandise, since I am moving within the next couple of months, the same statement, " based on information in your credit report, we are unable to approve your application at this time for the " new '' following reason ( s ) A ) Consumer associated with too many phone changes '', as I frequently update my credit report on a monthly basis, I have disputed every phone number that " does not apply '', or is " incorrect '', or has been illegally " long standing '' within the credit bureau ( s ) and of there " negligence '' to remove the information, data breaches that have happened within XX/XX/XXXXData Breach has " misinformed '' my credit report for several years as long as I have been working to " correct '' the issue to obtain " accurate '' personal information, " updated '' personal information. The other reason ( s ) are reported with the XXXX XXXX XXXX Mastercard Credit Card, as the reference number is XXXX. Furthermore, the third-party company, the " inaccurate '' company that needs to be reported to the Federal Trade Commission for " implied '' identity theft consumer issues, as well as " implied '' fraud consumer issues is " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, at XXXX, website address is XXXX. This company may be a " fictitious '' company that already " implies, infers '' deceptive business practices with XXXX XXXX XX/XX/XXXX whether allowed, or not allowed, or known, or not known to the company bank just is UNACCEPTABLE TO THE CONSUMER, XXXX XXXX .All dates of letters are XX/XX/2020, XX/XX/2020. This is a Fair Credit Reporting Act violation from the three credit reporting agencies to allow " XXXX XXXX XXXX have ANY CONSUMER CREDIT REPORT, this provides " unfair '' reporting business practices by a " third party agency '' that has not been heard of to the consumer to justify any validation of accuracy within the credit reporting bureaus.

Company response to consumer: Closed with explanation