Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Following information and recommendations provided to me as a member of XXXX  XXXX, which uses information from my credit file to make recommendations of possible approval by some of its 3rd party partners of which Capital One is one of, I applied for a pre-qualification rate check through the Capitol One website in which I was directed to through my XXXX  XXXX  file site, when I applied for the pre-qualification rate check, via Capital One Website, it was supposed to be a soft pull inquiry, instead, Capital One preformed 3 Hard pull inquiries, one hard pull inquiry from each of the three major credit reporting agencies, XXXX XXXX, and XXXX. I did not authorize these hard pull inquiries as I was just applying to see if I could be pre-qualified expecting a soft pull. Immediately after I attempted to apply for a soft pull pre-qualification, my XXXX Fico Score dropped XXXX points, ironically XXXX  refered me to Capital One based on information in my Credit File while Implicating an improved Fico Score if I Added additional revolving debt to my XXXX credit profile in which XXXX  refered me to Capital One for possible approval. Also, Capital One pulled additional credit reports from XXXX and XXXX which also caused both of those Fico  Scores to drop. After contacting XXXX  via phone conversation on XX/XX/2021, an XXXX  representative informed me that By law, they were prohibited from allowing me to dispute inquiries with them and referred me to dispute directly with Capital One Credit, I then called Capital One Credit and I was informed to write Capital One and explain my complaint in order to open a dispute. It took literally seconds for Capital One to drop my Fico Scores from Hard Pulls, that I was mislead into believing that I was applying for a soft pull pre-qualification for and now both XXXX  and Capital One Credit are in denial of unfair Credit Reporting practices by omitting and or downplaying in my opinion their roles in unfair Credit Reporting practices. I am putting Capital One on notice that this complaint is to serve as my letter of explanation about the recent unauthorized hard inquiry pulls by deceit of my XXXX XXXX, and XXXX  Credit Files and I'm asking for Capital One to submit a request to all three Major Credit Reporting Bureau 's to Remove those inquiries from my Files. Please find attached a letter from Capital One Credit with the denial reasons given to me which shows they pulled my XXXX credit file but I was recommended to apply with Capital One Credit from My XXXX  membership site directly. In fact, this is not the first time that Capital One has done something like this to me. It has happened before, this time I am just done allowing Financial Giants to ruin all the effort I have been making to Prove my credit worthiness and my chances of accessing fair financial market products and services. This has to stop, the very same reasons I'm being denied fair access to fair financial market products, are the very same products and services I am being encouraged to apply for by companies like XXXX  and Capital One, I get several emails every week from both and when I try to act on their invitations, they respond with negative response and adverse actions to acts they invited me to perform with their businesses. That is complete Reverse Productivity and or Openly misleading Business Practice.

Company response to consumer: Closed with explanation