Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 I have recently received a copy of my XXXX XXXX XXXXXXXX XXXX In the light of recent review of my consumer credit report is being irresponsibly tampered with. Over the past years 20+ years I have made several attempts to gain access to my consumer file and no luck. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have contacted them with the request to gain online access to my consumer credit report and I have been ignored. In recent research I have found that my consumer credit profile has been breached and information has been indeed shared. This breach has cause stress and multiple restraint in commerce of trade due to the failure of XXXX XXXX XXXXXXXX XXXX This breach has allowed others to access my non- public personal information. Upon accessing my consumer credit report online, I was promoted that my credit file has been blocked and used for promotional purposes. I have mailed and called XXXX XXXX XXXXXXXX XXXX  to exercise my lawful rights as a consumer to remove this. 
I have further come to realize that XXXX XXXX XXXX, XXXX XXXX knows that under the Fair Credit Reporting act, Congress states that, XXXX XXXX XXXXXXXX XXXX shall provide consumer reports to be fair and equitable to the consumer. XXXX XXXX XXXXXXXX XXXX has allowed furnishers to furnish inaccurate information without notifying the me Pursuant 623 ( A ) ( 7 ) 15 USC 1681s-2 VIOLATIONS-This is a notice informing XXXX XXXX XXXX XXXX  that your are violating federal laws because the data furnishers failed to send a written notice prior to or within 30 days after reporting negative information about a consumer. The data furnisher has reported charged off accounts, collections, bankruptcy, addresses, phone numbers employment places and late payments to my credit report without sending me a written notice as required by federal law section 623 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 12CFR 1022.1 ( b ) ( 2 ) ( ii ). 
Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. Congress states that when a consumer receives no benefit it is classified as aggravated identity theft. All financial institutions listed along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 
Congress has noted that XXXX XXXX XXXXXXXX XXXX  is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, standing credit capacity, character, and general reputation of consumers. Congress has also made it clear that XXXX XXXX XXXXXXXX XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. 
Because of XXXX XXXX XXXXXXXX XXXX constant neglect to appropriately carry out your grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX XXXX XXXXXXXX XXXX acted impartially towards me by furnishing inaccurate information, defaming my character and reputation with no proof. 
Due to XXXX XXXX XXXXXXXX XXXX constant neglect to appropriately carry out employment, restraint in commerce with my business and is costing me by ruining my consumer credit report. By the Provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report and I demand that you provide me with concrete evidence and all documentation proving that all information listed is accurate under title 15 section 1681 ( b ). 
XXXX XXXX XXXXXXXX XXXX I am aware that late payments pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. XXXX XXXX XXXXXXXX XXXX has no authority to furnish this information. XXXX XXXX XXXXXXXX XXXX the Federal Trade Commission will hold you liable for this noncompliance of the law. XXXX XXXX XXXXXXXX XXXX its your responsibility to make that data furnishers notify their customers when they report negative information about them to a consumer reporting agency. I have not received a written notice in mail from the data furnishers who reported the negative accounts that clearly states they were going to report my delinquent account information to credit bureau. XXXX XXXX XXXXXXXX XXXX it is evident that you do not have a copy of these written notices in my profile from the data furnisher to prove that they are complying with the law. 
Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. Congress states that when a consumer receives no benefit it is classified as aggravated identity theft. All financial institutions listed along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity.

Company response to consumer: Closed with explanation