Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Letter of Deletion XXXX XXXX XXXX  XXXX XXXX XXXXc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX GA XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933.

I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing to the Credit Reporting Agency XXXX, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft. 

There is no Statute of Limitation on fraud. My findings show Fraudulent Activity. 

These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit. 

I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately. 

I was never notified, I never granted permission, I never authorized for my private information to be furnished by any Agency or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights. 

I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged.

Congress states the agencies ASSUMED their roles in evaluating consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place to prevent unfair and deceptive methods of practice and Protects me, the Consumer, Natural Person, Individual.

Present to me Proof of any written documents with me giving such authority to furnish my Personal Private information in any instance, Signed and Notarized by your Senior Executive. 

I dispute the following Inquiries : XXXX  Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dispute the late, delinquent remarks from XXXX XXXX XXXX  in XXXX, XXXX, XXXX, XXXX Also, XXXX XXXX XXXX I Opened this account XX/XX/XXXX and Started with {$2000.00} secured funds, now reporting as {$500.00} unsecured with a balance and now closed, the late, delinquent remarks on my file in XX/XX/XXXX are inaccurate and never was there a late payment, furthermore my credit limit should be no less than {$2000.00}. 

Remove and Delete these accounts from my Consumer Credit Report Immediately

Company response to consumer: Closed with explanation