Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I started a dispute around XX/XX/XXXX, about 2 Capital One credit card accounts that were reporting on my credit report as charged off. I was blind sided when i applied for a VA home loan and was turned down because of those two Capital One accounts that do not belong to me. Both were opened around XX/XX/XXXX in XXXX XXXX. They do not belong to me. I know this because i never had a Capital One credit card account, and I was living in XXXX XXXX since XX/XX/XXXX, almost 2 years befor they were opened. I started a dispute on both accounts and was able to get the one with the smaller amount removed but the one reporting for {$1300.00} still remains. I followed the steps in asking for proof that links me to the account but never received it. I spoked the the credit reporting bureaus and they gave me the numbers to the law firm who were representing Capital One, and the also gave me Capital One 's number. I called both numbers and explained my delima. Both seemed sympathetic to my problem but in the end no one wanted to believe I was a victim of identity theft. Instead The law firm said thay no longer was handling the case and that i had to call Capital One. But capital one said I had to speak to the Law firm. Then the Law firm sent me a package with 25 pages showing the charges that was made on the account. It does not link me to the account whatsoever. They even sent me a copy of an Affidavit Of Service from the Sheriffs Department showing that personal information on me was sent to a person who they assume was a relative of mine by the name of XXXX XXXX. And sent another copy to my old address at XXXX XXXX XXXX  in XXXX XXXX First, I don't have relatives that live in XXXX XXXX. Second, XXXX XXXX  is listed as a XXXX female, so she couldn't be my relative because i don't have XXXX  relatives in my family and because i am XXXX. Been XXXX my whole life. And third the letters were delivered between XX/XX/XXXX- XX/XX/XXXX three years after i moved from XXXX to XXXX. The reason for my move is because i was diagnosed XXXX XXXX in XX/XX/XXXX. I moved to XXXX inXX/XX/XXXX and started XXXX XXXX at VA in XXXX XXXX, and have been living here ever since. Now XXXX XXXX  may have a relative with the same name, but it most certainly is not me. Because neither Capital One or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not given me proof that links me to this account i have asked them to removed the account from my credit file, but to no avail. Instead I get a letter form the law office that states " Our client has determined that there was no fraudulent activity in connection with the account, therefore we marked our file accordingly and will continue collection activity. I you have in questions, please contact our office. '' So if they're not handling the account anymore why should i contact them? And why was one of the capital one accounts removed and not the other. They nwere both opened up within a month or two of eachother. And what happened to following the letter of the law when it comes to the Fair Credit Reporting Act. Neither Capital One or XXXX XXXX XXXX  showed me any proof linking me to the account. The really negated there proof when they delivered paperwork to a stranger who has no ties to me or my family. So I hope you can help me in my effort to have this tradeline removed from my credit file because it does not belong to me! Consumers are supposed to be protected from this kind of act by the Credit card companies and Credit Bureaus. In the mean time, I have filed a Police report, And have sent a letter to the Attorney generals office. I hope and pray something can be done about this and this problem corrected by a removal from my credit report. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation