Consumer complaint received 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 am a victim of identity theft. I discovered it when I tried to make a credit karma account in XX/XX/XXXX. It pulled up an error and it said there was already an account with my social security number. The email that it was associated with was my fathers email ( XXXX ). I then made an XXXX account. Once I was able to look at the XXXX account I found there was XXXX credit cards opened in my name without my consent or knowledge of them being opened. XXXX account was opened on XX/XX/XXXX. XXXX XXXX Bank XXXX was opened on XX/XX/XXXX. XXXX XXXX Bank was opened XX/XX/XXXX. XXXX XXXX XXXX/Capital One Bank XXXX was opened XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  was opened on XX/XX/XXXX. All of these were discovered when I opened my XXXX account in XX/XX/XXXX. Prior to opening my XXXX account, I had no knowledge of these credit card accounts. For the Capital One bank card and the XXXX XXXX XXXX  card, my father gave me those cards in XX/XX/XXXX. He led me to believe he was the main card holder on the accounts and that I was just an authorized user on them. I now know that is not the case based on my credit report. I then asked my father XXXX XXXX if he knew about these accounts and he admitted to me around XX/XX/XXXX that he was the one who opened the accounts in my name. I filed a dispute on XXXX for all of these credit card companies but since all my information was used they all sent documentation back to me saying I was the one who opened the accounts and that they were valid. I then received documentation from the credit bureaus about the applications and the information that was used on the applications. One of the files I uploaded below that says " Elastic Line of Credit Application '' has all my dads information on it. Under contact information is all his information that is my fathers email and phone number. Under Financial Information my father had put I worked for his company " XXXX XXXX XXXXXXXX '' as an Inspector which is in XXXX XXXX, LA. I never worked for my fathers company nor did I have any job at the time. The job says I was an inspector and that my hire date was XX/XX/XXXX I had just graduated high school mid XXXX of XXXX. I looked up the requirements to be an inspector in Louisiana they are as followed : You must complete a minimum of 90 hours of Education with an XXXX approved education provider, then you must pass a NHIE exam and also complete 30 hours of pre licensing platform training as well as 10 live inspections with an approved in field trainer. If I graduated from High School in mid XX/XX/XXXX how is it it possible I completed this all by XX/XX/XXXX?? I also do not have W2 's from that year because as I have stated I did not have a job until I attended XXXX XXXX XXXX in XXXX Texas and had an XXXX XXXX XXXX  in XXXX. I now have 2 collections account associated with my social security number. The account are XXXX XXXX XXXX/Capital One Bank XXXX with a balance of {$490.00}. XXXX XXXX XXXX XXXX  XXXX CO with a balance of {$1700.00}.

Company response to consumer: Closed with explanation