Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am submitting this complaint regarding a Capital One Auto Finance account that I do not recognize and do not believe belongs to me. I recently reviewed my consumer credit reports and discovered that Capital One Auto Finance has been reporting derogatory account information under my name. The account reflects serious late payments and negative payment history that have severely damaged my credit profile and financial standing. Because I do not believe this account belongs to me or was authorized by me, I filed an identity theft report with the Federal Trade Commission and disputed the account with the credit bureaus. The account is being reported as a closed Capital One Auto Finance account with multiple late payments, including numerous 30-day and 60-day late notations. Even though the account reportedly shows a zero-dollar balance and a paid status, the derogatory history remains on my credit reports and continues causing financial harm. I never knowingly entered into or authorized this account, and I do not believe I should be held responsible for any negative reporting associated with it. After discovering the account on my credit reports, I immediately took steps to protect myself and investigate the matter. I reviewed my reports from XXXX XXXX XXXX XXXX and noticed the same inaccurate and damaging information being reported across multiple bureaus. Because I did not recognize the account activity and believed my information may have been used without my authorization, I filed a report through IdentityTheft.gov and documented the issue as potential identity theft and fraudulent reporting. I also disputed the account directly with the credit reporting agencies and requested a full investigation into the accuracy and ownership of the account. I requested that Capital One Auto Finance provide documentation proving that I authorized the account and that the reported information is accurate. Specifically, I requested copies of any signed contracts, applications, payment records, identification documents, and any other records showing that I knowingly opened or used the account. To date, I have not received sufficient proof demonstrating that this account legitimately belongs to me. Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus are required to ensure that all information reported is accurate, complete, and fully verifiable. In cases involving identity theft or fraudulent accounts, furnishers and credit bureaus also have obligations under federal law to investigate disputes thoroughly and remove information that can not be properly verified. I believe Capital One Auto Finance and the credit reporting agencies failed to conduct a proper investigation and allowed inaccurate information to remain on my reports despite my disputes and identity theft claim. This issue has caused substantial harm to my financial life. The negative reporting associated with this account has damaged my creditworthiness and affected my ability to maintain financial stability. Derogatory credit reporting can impact access to financing, housing opportunities, insurance rates, and other important financial matters. As a retired consumer living on limited income, the XXXX and hardship caused by this situation have been overwhelming. I do not believe it is fair for me to continue suffering financial damage from an account that I do not recognize and did not authorize. Identity theft and inaccurate reporting can have devastating consequences for consumers, and I took immediate action once I became aware of the issue. I filed an FTC identity theft report, disputed the account, and requested verification of the account ownership and payment history. Despite these efforts, the derogatory reporting remains on my consumer reports. The account currently reflects severe negative payment history, including multiple 30-day and 60-day late payments. These late payments make it appear as though I failed to meet financial obligations on an account that I do not believe I opened or used. This inaccurate reporting creates a misleading and harmful impression of my financial responsibility and character. I requested that Capital One Auto Finance provide competent evidence proving the account belongs to me, including documentation bearing my signature and proof that I personally authorized the account. I also requested verification that the account was reported accurately and consistently across all three credit bureaus. I have not received sufficient documentation supporting the continued reporting of this account. The Fair Credit Reporting Act requires credit reporting agencies and furnishers to conduct reasonable investigations when consumers dispute information and report identity theft. If the information can not be verified, it must be removed or corrected. I believe the company and credit bureaus failed to comply fully with these obligations because the account continues to appear despite my identity theft report and disputes. I am requesting immediate removal of this Capital One Auto Finance account and all associated derogatory information from my credit reports. If the company can not provide competent proof that I authorized the account and am legally responsible for it, the account should be deleted entirely from all consumer reporting agencies. I am also requesting that the company cease reporting this account while the investigation is ongoing. Continuing to report disputed information related to potential identity theft causes ongoing harm and undermines the protections provided to consumers under federal law. This matter has caused XXXX XXXX XXXX, and financial uncertainty. I have worked hard throughout my life to maintain financial responsibility and protect my credit standing. I should not be penalized for fraudulent or unauthorized activity that I did not create or approve. I believe consumers deserve fair treatment and meaningful investigations when reporting identity theft or fraudulent accounts. Instead of receiving clear documentation and resolution, I have continued to experience ongoing damage from the inaccurate reporting. I respectfully request that this matter be taken seriously and investigated thoroughly. I am requesting the following actions : * Immediate investigation into the Capital One Auto Finance account * Verification of the account ownership through competent documentation * Copies of any signed contracts or applications associated with the account * Removal of the account and all derogatory reporting if ownership can not be verified * Correction of any inaccurate information being reported to XXXX XXXX XXXX XXXX * Written confirmation of the investigation results and actions taken * Assurance that future reporting complies fully with federal law and identity theft protections I also request that the Consumer Financial Protection Bureau ensure that Capital One Auto Finance and the credit reporting agencies comply fully with the Fair Credit Reporting Act and identity theft laws. Consumers should not continue suffering financial harm when disputed accounts can not be properly verified. I filed an FTC identity theft report because I genuinely believe this account may have resulted from misuse of my personal information or unauthorized activity. I did not knowingly authorize this account, and I do not believe the derogatory reporting should remain on my credit reports without proper proof that the account belongs to me. I respectfully request immediate assistance in correcting my credit reports and removing all inaccurate and fraudulent information associated with this account. My goal is to restore the accuracy of my consumer reports and prevent further financial harm caused by reporting that I believe is unauthorized and inaccurate. Thank you for your time, attention, and assistance in helping resolve this matter fairly and in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation