Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
My name is XXXX XXXX. I was alerted to a late pay added to my credit report from Capital One. The report states that payment is 150 days past due. I do not have any Capital One credit cards nor have I ever been a customer of theirs. Follows is the information I have from the offending account from my credit report ; Account Number xxxxxxxxxxxx XXXX Account Status OVER_120_DAYS_PAST_DUE Owner Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 16 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$4000.00} Credit Limit {$3500.00} High Credit {$4000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX I called Capital One to resolve the issue on XX/XX/XXXX at approximately XXXX XXXX, Central standard time. I first spoke to someone named XXXX. I was promptly disconnected. I called again and spoke to someone named XXXX. She could not find any account information with my name, social security number, date of birth, or telephone number. She transferred me to someone named XXXX at the Capital One Menards card application center. He also could not find an account with any of my personal information. He advised me to file a dispute with the credit bureaus. I pulled my credit report and called Capital One again with the last 4 digits of the offending account number as reflected on my credit report. Again I was put in contact with XXXX, who transferred me to someone named XXXX. She could not help and transferred me to someone named XXXX who apparently handles credit report disputes. He also was not able to find an account with any of my personal information. He was able to find the account listed on my credit report using the last 4 digits as belonging to XXXX XXXX. 
I served as executer of the late XXXX XXXX 's estate. I sent Capital One an insolvency letter, along with a copy of the death certificate back in XXXX of XXXX. 
The insolvency letter informed them that the proceeds from XXXX 's estate did not even cover funeral expenses, and there was no money left for creditors. This is the only contact I have ever had with Capital One before today. Capital One took it upon themselves to take my personal information from the insolvency letter and add it to this account as the responsible party for this debt and proceeded to report the account as delinquent on my personal credit report. I find it hard to believe that this was a simple error on their part, and seems much more malicious in nature as if done out of spite. I find this action to not only be extremely questionable, but also highly immoral, and clearly violates the Fair Credit Reporting Act. XXXX did removed my name from the account as it was clear that I am not the responsible party for this debt, but stated that he could not remove it from my credit report.

Company response to consumer: Closed with explanation