Consumer complaint received 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This compliant is towards 2 Credit Reporting Agencies ; XXXX XXXX XXXX. As well as 3 companies. XXXX, XXXX XXXX XXXX XXXX Capital One Bank USA. This complaint is about Unauthorized/Fraudulent inquires made on my report without my knowledge and/or consent. Your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I have sent numerous disputes to all companies listed above. First, 4 dispute letters over a 150 day period were sent to XXXX asking to verify/investigate XXXX for the unauthorized/fraudulent inquiry made on my report on XX/XX/XXXX. Second, 4 dispute letters over 150 day period were sent to XXXX  asking to do an investigation/verify XXXX XXXX XXXX for inquiry made on my report on XX/XX/XXXX, ( if u notice the XXXX XXXX inquiry was made on the same day as the XXXX inquiry! FRAUD IN PROGRESS THAT DAY! ) Third, I also sent 4 dispute letters over a 150 day period to XXXX  asking to verify/investigate Capital One Bank USA for inquiry made on XX/XX/XXXX. I also called Capital One Bank XX/XX/XXXX to dispute this. Capital One Bank customer service representative said the inquires would be removed. ( calls are recorded! ) At that time Capital One Bank had their inquiry reporting on ALL 3 bureau 's reports. I did disputed with XXXX XXXX also and they DELETED this unauthorized/fraudulent inquiry from my report. And as of recentlyhjf, XXXX  has DELETED Capital One Bank unauthorized/fraudulent inquiry from my report. So I am very upset after my last dispute on XX/XX/XXXX that XXXX  is Still Reporting this unauthorized/fraudulent inquiry on my report at the time of this complaint. I keep getting the same generic/e-oscar response from XXXX, stating ; " inquires are factual record '', ect, ect with NO PROOF that I initiated or a signature or something that it was me. I did not initiate these inquires online, in person or over the phone. The addresses that are associated with them I dont know.. ( which are address I disputed and submitted a complaint with CFPB previously because XXXX  would not remove them, they are Fraudulent and the first document attachment from XXXX  shows this! ) This made me contact via mail/dispute letters to XXXX, XXXX XXXX XXXX & Capital One Bank USA. XXXX has not responded at all. XXXX XXXX XXXX letter was returned for unknown address, which is the address listed on my report as mail contact. So I sent more to another address that was on another report. They have not responded. I also sent multiple letters to Capital One Bank. They responded 1 time, ..dated ; XX/XX/XXXX they stated ; that this was the result of PRESCREENED INQUIRIES, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not initiate or authorize. They are fraudulent. I Have not heard back since & multiple letters have been sent since then. I have informed XXXX  & XXXX  that I have contacted these creditors, because that's what XXXX  & XXXX  keep telling me to do. I also sent XXXX  & XXXX  copies of the letters I sent to XXXX, XXXX XXXX XXXX & Capital One Bank as PROOF I haved tried to resolve this with them. To no avail ... .So XXXX, XXXX  , XXXX , XXXX XXXX XXXX & Capital One Bank are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer..Prescreens are a soft inquiry not a hard inquiry! These inquiries are HARD PULLS/REQUEST FOR CREDIT AND ARE FRAUDULENT. PLEASE SEND THIS COMPLAINT TO ALL ...

Company response to consumer: Closed with non-monetary relief