Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for a Capital One Credit Card on XX/XX/2021, application number : XXXX, creditor : Capital One N.A. After applying, I received a letter stating, " unfortunately, after reviewing your application and information obtained from your consumer credit report ( s ) from agencies detailed on the back of this letter-we can not approve your request at this time. The reason ( s ) for our decision are : XXXX ) Based on your application information, application submitted is incorrect or can not be verified. '' My grievance with this is that all three credit reporting agencies have my up to date current address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, and phone number of XXXX. I have been continually updating my information, requesting disputes for information that is out dated, incorrect addresses, and to make sure of my correct name of XXXX XXXX XXXX. I am applying a XXXX XXXX XXXX 's Office case number of XXXX in regards to a creditor having 1 ) mistaken information of residence, and phone number even after my several corrections on all three credit reporting agencies, XXXX ) the misconception that I can not be verified by Capital One N.A due to " incorrect information '' that I have already corrected prior to XX/XX/2021, and XXXX ) that not being able to be verified may be due to false information from XXXX XXXX, and XXXX, as a refusal to update information to have a consumer such as myself be able to have the Capital One N.A credit card since this is due to no fault of my own. A verification process can be requested over the phone, but there is no phone number to contact the Capital One Customer Care Team which is unprofessional. Lastly, the case number provided has to do in part with an " impersonation '' case, so the verification process can be resolved by a phone verification, to fax documents to verify that I am XXXX XXXX XXXX, not XXXX XXXX XXXX, and that due to the Fair Credit Reporting Act, a non-discrimination term, or conditions may prohibit a denial based upon an " impersonation '' case when I am willing to resolve the issue at hand. Furthermore, the invalid reasons to just not approve me, not even to do a verification, Capital One defames my credit by stating the following secondary reasoning, XXXX ) time since most recent account opening is too short, XXXX ) too many accounts with balances, which I have not seen on my credit report, seems this is due to a data breach with XXXXx that did not make the correct changes upon consumers credit information for applying and being approved, XXXX ) too many inquiries last 12 months when the inquiries has by law no legal bearing on whether to be approved, or denied, it is invalid solely based on inquiries alone, and 4 ) proportion of loan balances to loan amounts is too high, as this may apply to student loans that are in " good standing '', " paid on time '', however, to prematurely report good standing student loans is a " defamation of character '' upon my credit, which goes against the Fair Credit Reporting Act, and does not allow legally an Equal Credit Opportunity upon myself, a consumer to provide a " good faith effort '' to pay my bill prior to a statement coming out. The extended fraud alert is a means to keep fraudulent activity from happening, not to put the consumer on the defense due to " lack of verification ''.

Company response to consumer: Closed with explanation