Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This report is in regards to identity theft and consumer credit fraud. 

Tenants at XXXX XXXX XXXX XXXX XXXX, CA, XXXX - a building owned by an unnamed landlord, under XXXX XXXX, and managed by XXXX  - are subject to frequent mail theft. People break into our mailboxes and packages are taken from the lobbies of the two buildings. Mail is also often placed in the wrong mailbox slot, as the mailboxes are neither in any logically progressing order, nor are the address/unit numbers clearly labeled on the mailboxes. This problem has been well documented, photographed, and communicated both with the property management company ( XXXX  ) and with USPS, but the landlord and/or management refuses to replace and/or to move the mailboxes to a more secure location, less visible from the street. In light of this, I routinely opt out of credit/insurance advertisements that I receive, but I continue to receive them, especially from Capital One and for XXXX XXXX XXXX . I also should have received my new driver 's license in the mail by now, but I have not received it ; it is presumably stolen. By the end of the month, I plan to rent a po box and deduct the cost from my rent- an action that was recommended by XXXX in response to the property management 's & owner 's negligence. However, I am concerned that these unwanted advertisements will continue to arrive in the unsecured mailboxes on site. 

On XX/XX/year> at XXXX XXXX, I received a voicemail asking if I had applied for a XXXXXXXX XXXX XXXX ; I had not. Every day from XX/XX/year>XXXX  to XX/XX/year>, I received emails about new credit alerts ; I was also notified that my credit score had dropped. Upon investigating further, I found odd inquiries on my credit report that I did not recognize, as well as some inaccurate other information on my credit report. On XX/XX/year> at XXXX XXXX, I answered a call from Capital One, asking if I had applied for a credit card ; I had not. 

After speaking with crediting/reporting agencies, I have gathered that my name, date of birth, social security number, email, and address have all been compromised, stolen, and used to apply for multiple lines of credit. At the least, applications were submitted for a XXXX XXXX Capital One credit card, a XXXXXXXX XXXX XXXX and a XXXX car loan. I was able to contact Capital One and XXXX about this problem ; the applications were rejected and flagged as fraud. I left voicemails for XXXX on XX/XX/year>, on XX/XX/year> at XXXX XXXX  XXXX, and on XX/XX/year> at XXXX XXXX  XXXX ; I have received no response from XXXX and am unable to reach a live person. I have also submitted a police report to my local XXXX Police Department, with all the information I had at the time. ( Updated information is included in this report. ) I am still in contact with all three crediting agencies- XXXX, XXXX, and XXXX- to correct my credit report. I have disputed the fraudulent hard inquiries, frozen my credit reporting accounts, and placed fraud alerts on my credit reports. I am in the process of applying for the maximum 7-year fraud alert.