Consumer complaint received 2025-10-23 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Capital One, N.A. 
Attn : Fraud / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Cease and Desist / Identity Theft Dispute under FCRA, FDCPA, ECOA, and Identity Theft Protections Dear Capital One and Credit Reporting Agencies, I, XXXX XXXX XXXX XXXX, am writing to formally dispute and demand removal of any and all accounts, inquiries, or records associated with a Capital One account sold to XXXX XXXXXXXX XXXX XXXXXXXX with a reported balance of {$1000.00}, which was opened without my knowledge or consent. 

I did not open or authorize this account, and I have never provided consent for any transactions or agreements under this account. This constitutes identity theft. 

I am demanding that Capital One and all credit bureaus immediately stop all collection efforts related to this account and erase all associated information from my credit profile. 



Legal Basis for Demands 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
Reporting accounts or balances resulting from identity theft is unauthorized and inaccurate. 
Under 15 U.S.C. 1681i, I am disputing this account and demand immediate reinvestigation and removal of all unverifiable or fraudulent information. 
2. FCRA 15 U.S.C. 1681c-2 ( Identity Theft Protections ) Provides the right to block fraudulent information resulting from identity theft from appearing in consumer reports. 
I am requesting that this account be blocked and removed in compliance with this provision. 
3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c All collection activity related to this fraudulent account must cease immediately. 
4. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 Reporting unauthorized accounts violates consumer rights to accurate and authorized credit information. 
5. Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 ( a ) Capital One and credit bureaus are prohibited from engaging in unfair, deceptive, or unauthorized practices, including reporting accounts resulting from identity theft. 



Required Actions Capital One must : 1. Immediately close the fraudulent account and remove any obligations associated with it. 
2. Cease all collection efforts related to this unauthorized account. 
3. Provide written confirmation of account closure and removal within 15 business days. 
Credit Reporting Agencies ( XXXX XXXX XXXX ) must : 1. Delete all records, inquiries, or notations related to this fraudulent account. 
2. Conduct a reinvestigation under 15 U.S.C. 1681i and block the account under 15 U.S.C. 1681c-2 for identity theft. 
3. Provide an updated credit report reflecting removal of all unauthorized and fraudulent data. 

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Massachusetts Attorney General, as well as potential legal action under 15 U.S.C. 1681n, 1681o for damages, attorney fees, and penalties. 

This letter constitutes a final demand for compliance and removal under federal consumer protection law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief