Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/XXXX I have attempted to obtain a credit card. I am a XXXX year old, educated, responsible adult with a work history since I was XXXX y/o. I have been paying a car loan, on time for the last few years and have been working full-time for 3 years as an XXXX. The only thing I don't have is a credit card. The only derogatory marks on my credit report are the 4 banks that have attempted and declined my application for a credit card. The most recent being, last night, XX/XX/XXXX. 

My attempts to resolve this issue have been exhaustive and to no avail including phone calls, written communications and prior inquiries through CFPB. 

To summarize : Each time I apply for a credit card, my application is declined. Based on the information available to me, the reason is " inability to verify my identity with the credit reporting bureaus ( it seems with XXXX and XXXX   ). In f/u with the credit reporting bureaus they assure me my file has been corrected and send me a complementary credit report that doesn't address the issue/my questions. Since I have no information, I then apply for a credit card and get declined. With this, another hard inquiry is added to my credit file and the process starts over. It is repetitive, frustrating and time consuming. 

On XX/XX/XXXX, after receiving a mail offer and based on XXXX XXXX site recommendations, I applied for credit with Capital One. I then contacted XXXX ( Spoke with XXXX and the Manager, XXXX ). They were not able to verify my identity, therefore, were unable to provide me any information. They instructed me to once again, start the robotic dispute process. 

How do you correct something, when you have no information? Clearly there is a disconnect, and something is not adding up. That said, it is my problem, and my problem to correct, but I can't get any information because my identity can not be verified. My requests/efforts, to speak or work with a single, knowledgeable and enpowered company representative who can actually work to resolve my concerns have unsuccessful. 

At this time, I am frustrated that this process can even be legal. I have worked hard to establish good credit and can not allow this to wrongly impact my credit. 

At this time, I am requesting : 1. A member of management contact me who I can work with from beginning to end to resolve this issue. 
2. Access to and specific information regarding why my identity can't be verified. What is it, that leads to that message? What ever that information is, I want specifics and I want to see it. 
3. I want all hard inquiries removed from my file - since the hard inquiries are related to not being able to verify my identity ( the credit card company says the credit bureau has to remove and the credit bureau says the credit card company has to remove. Here I am put in the middle of this no win situation. Again, a situation which I have no information about and can't correct ). 

Thank you.