Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX fraud capital one accounts on my credit report. I did not apply for these accounts and had no knowledge of them. I have been a XXXX XXXX XXXX XXXX and fraud for over 10 years and I did not apply for or open these XXXX card. I first disputed all of these as not mine and they said they verified the cards and debts were mine. I continued to contact the company and request they remove the fraud from my report. They continued to deny me that. They said I needed to provide a certified letter and a police report and I did that too. I provided law enforcement with a large amount of documentation of fraud dating back at least 10 years. I obtained a police report and sent it to Capital one and other credit companies as I found more fraud. The other companies have complied with my request to remove the debt as I provided the police report. Capital One refuses. I continued to call and have to engage with Capital One to get this fraud removed as my credit is being destroyed from this fraud. Even though I followed their request for a certified letter and police report, I was told that was not good enough. I had to supply more documentation. I did that too. On XX/XX/XXXX I was notified by a fraud supervisor that they found all XXXX accounts were fraud and they would notify the credit reporting agencies. This is still not done. However, on my Capital One account online, when I log in all XXXX accounts I reported as fraud are all now marked with Fraud. This happened on XX/XX/year> when the fraud supervisor told me they found evidence of fraud. 
Today I called and spoke with a very rude fraud XXXX XXXX, who kept telling me to try and connect the dots, they said they were not found as fraud and they would not remove the debt unless I myself, or law enforcement provides Capital One a name of who perpetrated the fraud. My information had XXXX data breaches and was just found on the dark web on XX/XX/year>, reported by Credit wise through Capital One. 
I have no idea where the fraud came from. Law enforcement does not know and XXXX the rude XXXX told me that I would be out of luck then. This will never be removed from my credit without a name. XXXX told me that there is no way that Capital One will even reinvestigate unless there is a name given to them about the fraud. I have no name. There is a name listed on my credit report that is not me and I have never heard of and also XXXX states that I have lived in that I have never been to in my entire life. I provided all of this to Capital One and they still are saying the debt is mine unless I provide them with a name or law enforcement provides them with a name. 
Capital One updates their website no one else has the capabilities to do that and they already marked all XXXX of these accounts as fraud. I followed Capital One guidelines to provide a certified letter and police report and they are ignoring that. It is illegal to ignore a police report. They says they are not ignoring it but I have to be able to provide a name. There is no way to trace things on the dark web. I have had otyher credit cards opened fraudulently and after providing the police report to the other companies, the fraud debt no longer appears on my credit report. Capital One is violating my consumer rights.

Company response to consumer: Closed with explanation