Consumer complaint received 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received an alert from my credit monitoring service that Capital One had checked my credit report, resulting in a hard inquiry. I did not request a line of credit or financing with Capital One, nor did I provide them with my consent, permission or authorization to obtain or view my credit ; ultimately, there was no permissible reason for Capital One to obtain or view my credit report or information in such a manner. I attempted to contact Capital One by phone on XX/XX/XXXX, but was unable to speak to a representative regarding my issue. As such, I promptly contacted Capital One by way of letter and advised of the above, and requested that they remove the incorrect information from my credit report and advise me of their decision in writing. I also filed a dispute with XXXX, who reported the inquiry on my credit report, on XX/XX/XXXX. I advised Capital One that I had done so in the dispute letter I mailed to them as a preemptive measure. XXXX  responded in writing to my dispute, stating that they verified the information disputed was a factual record and, as such, it would not be removed from my credit report. I received a letter from Capital One dated XX/XX/XXXX, in response to my correspondence. Therein, Capital One blatantly ignored the requests and issues I advised of with respect to the incorrect information on my credit report. The response simply explained the types of credit inquiries that a credit report may contain. On XX/XX/XXXX, I called Capital One again and spoke with several employees. I was on the phone for more than 1 hour in attempts to resolve the stated issues. I was advised that ( 1 ) Capital One does not have any credit requests or applications from me or in my name, and after performing several different searches and combinations, they were unable to find any application or reason they would have pulled my credit report for ( 2 ) that they were not able to advise why my credit report was viewed ( 3 ) that I could not speak with anyone else on the phone to resolve my issue. I was advised to contact the credit bureau and to send a written letter, I advised Capital One that I had already done both and needed to know how to escalate the issue because the response I received was not satisfactory and that the credit bureau would not remove the information unless Capital One advised them to do so. I was instructed to resend the letter I had already sent and was given no information on the next steps available to me on inquiry if resending the letter did not result in resolution of the issues. I contacted XXXX  again on XX/XX/XXXX to advise of the conversation I had with Capital One and was told again that Capital One would have to update their reporting information directly for the false information to be removed. I have opted to file a complaint in hopes of expediting the removal of the incorrect information from my credit report as immediately as possible. 

Please note that I experienced difficulty uploading the letter I mailed to Capital One. 
Please advise if a copy of same may be submitted via email, fax or regular US mail and I would be happy to provide it.

Company response to consumer: Closed with non-monetary relief