Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam : I am writing to formally notify you that I am a victim of identity theft and to demand that Capital One immediately cease all credit reporting and collection activities related to two fraudulent credit card accounts opened in my name without my authorization. These accounts are as follows : Capital One credit card account ending in XXXX ( opened on XX/XX/XXXX, {$0.00} balance ) and Capital One account ending in XXXX ( opened on XX/XX/XXXX, {$290.00} balance ). I have never opened or used these accounts ; they were created by an imposter. I have attached an FTC Identity Theft Report and a police report documenting this crime for your reference and records. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report to credit reporting agencies, all information resulting from the identity theft must be blocked from the credit report and prevented from future reporting credlocity.com. The credit bureaus have already removed these accounts in the past pursuant to my identity theft claim. They should also have notified Capital One as the furnisher that the information was the result of identity theft and that a block was requested lawhelpmn.org. Despite this, I was alarmed to discover that Capital One has re-reported one or both of these fraudulent accounts, causing them to reappear on my credit reports. This re-reporting of known fraudulent accounts is unacceptable and may constitute a serious violation of federal law. There are no valid grounds for reinserting or re-reporting this information. The FCRA only permits reinsertion of previously blocked identity-theft information under very limited circumstances ( e.g. if the information was blocked due to error or fraud by the consumer ) consumer.ftc.gov, none of which apply here. I have provided truthful, verified documentation of identity theft ; therefore, Capital One is legally obligated to ensure this fraudulent account data remains blocked and removed permanently. Furthermore, the FCRA explicitly prohibits any person from selling, transferring, or placing for collection a debt once notified under 605B that it resulted from identity theft XXXX. By extension, continuing to furnish this debt to credit bureaus is a form of continuing collection and is equally forbidden. In light of the above, I demand that Capital One immediately cease all reporting of these fraudulent accounts to all consumer reporting agencies. This means you must promptly instruct XXXX XXXX XXXX, and any other bureau to delete these accounts from my credit files and not allow them to be reinserted. Additionally, please update your records to ensure no further collection attempts, billing statements, or negative credit reporting occur for these accounts. Please confirm in writing ( via email reply ) that you have : ( 1 ) blocked and removed the fraudulent accounts from all credit reporting, and ( 2 ) notified the credit bureaus that the accounts were the result of identity theft and should not be reported credlocity.com. I expect this confirmation within 30 days, as required by law. Retaining or re-reporting these items after receipt of my identity theft report would violate my rights under the FCRA and could subject Capital One to regulatory complaints or legal action. I trust you will act expediently and in accordance with the law to resolve this matter. Capital One has a responsibility to prevent further harm once fraud is reported, and I am holding you accountable to that duty. Thank you for your prompt attention. I will monitor my credit reports for the update and will take further action if necessary to protect my rights. Sincerely, XXXX XXXX  XXXX Victim of Identity Theft Account Numbers ending XXXX & XXXX

Company response to consumer: Closed with non-monetary relief