Consumer complaint received 2019-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 XXXX membership that a new inquiry had been added to my credit report. I immediately went online to check as I had not applied or given any lender permission to run my credit. I found out the inquiry came from Capital One and I immediately called the number listed on the credit report to see what was going on. After speaking to a rep, I was informed that someone applied and was approved for a credit card in the amount of {$500.00}. I told the rep that I did not apply for this and it is fraudulent. The rep said she would report the account as fraudulent and it would take 30-60 days for my credit report to be updated. 


On XX/XX/XXXX I called Capital One again as they inquiry was still on my credit reports. The 1st rep told me that there was no report ever done with my social #. I Informed him that I filed a report on XX/XX/XXXX with a fraud rep. He transferred me to that Dept. I explained to the rep about the inquiry still be reported on XXXX   and XXXX. After a lot of back and forth, rep transferred me to a fraud manager and she was able to look at records and verify that on XX/XX/XXXX they sent a request to the bureaus indicating that the account is fraudulent and for the any account to be removed. I asked if the bureaus would know to delete inquiry as well and she said yes. 

I called on XX/XX/XXXX at approximately XXXX because the inquiry was still on my credit report. I talked to a rep and he stated that as of today, account not reported as fraudulent!! Which is why XXXX and XXXX hasnt been updated. I told him this really concerns me as each time Ive called since XX/XX/XXXX it has been stated that account was flagged as fraud. I explained that when I last called in XX/XX/XXXX the fraud manager told me that the bureaus were updated on XX/XX/XXXX about the fraudulent activity and to have inquiry/account removed. 

The rep then transferred me to an account manger named XXXX. He placed me on a brief hold to get more info about account being reported as fraud. XXXX Verified date info sent to bureaus and it was XX/XX/XXXX ( diff date from call on XX/XX/XXXX ). 
XX/XX/XXXX account/inquiry was requested to be closed due to fraudulent activity. I requested to have this info sent to me in writing and he Said that wasnt possible. XXXX stated that I would be need to file with dispute department via mail and there was no phone or email option to file a dispute with them. 

I contacted all 3 bureaus on XX/XX/XXXX and all 3 confirmed that they NEVER received any request from Capital One to have the account/inquiry removed due to fraud. They will not remove the inquiry until the creditor that initiated the inquiry requests to have it removed. I have received different information every time I speak to a Capital One representative in regards to my fraud case. I have been lied to and given false dates as to when the credit bureaus were contacted. This inquiry caused my credit score to drop 10-15 points and is hindering my home buying process. Capital One has been very negligent and irresponsible in this whole process. 

I demand that an immediate request is sent to all 3 credit bureaus ASAP to have the account and inquiry removed due to fraudulent activity. I refuse to wait 30-60 days or mail anything as this matter has been going on since XX/XX/XXXX and I was told by 2 different account/fraud managers at Capital One that the bureaus were contacted in XX/XX/XXXX ... when in reality they weren't. Capital One failed me when they allowed someone else to open a fraudulent account and they have been horrible in regards to fixing their mistake in a swift manner. Something that was supposed to be resolved in 30-60 days as still not been resolved in the last 6 months and that is unacceptable.

Company response to consumer: Closed with non-monetary relief