Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

3. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX. 

4. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

5. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

6. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 
7. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

8. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

9. I have not supplied proof under doctrine of estoppel by silence Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX I presume that no proof of The alleged debt Nor therefore any such debt in fact exist. 
XXXX XXXX XXXX Account Number : XXXX I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n 10. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

11. I did not give written permission to report this late payment on my credit report please see 15 U.S. Code 1681 ( a ) ( 2 ) there is no such thing as a LATE PAYMENT plese see 15 USC 1681 I was not given the total finance charge with insusrance included up front 15 USC 1602 ( a ) ( c ) XXXX XXXX XXXX XXXX Account Number : XXXX I demand that this inaccurate reported late payment be removed update to Payed as agreed immediately. 

12. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

13. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

14. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

15. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 

16. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 
17.I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation