Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am filing this complaint because Capital One Bank ( USA ), N.A. has repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ) after my personal information was compromised through identity theft. My FTC Identity Theft Report ( # XXXX ) documents stolen mail, stolen financial cards, unauthorized access to digital financial accounts, fraudulent applications, and misuse of my information affecting multiple creditors. 

As a result of the identity theft event, I disputed the Capital One reporting multiple times including in writing by mail, through all three credit bureaus, and directly with Capital One. Despite these disputes, Capital One continues to verify the disputed information without providing any documentation or proof. Capital One has repeatedly ignored my FTC Identity Theft Report and has not provided : Any signed application Any authentication records Any fraud investigation results Any account-opening documentation Any itemized statements Any evidence distinguishing fraudulent activity from accurate information I provided Capital One with my FTC Identity Theft Report, government ID, and proof of address, which fully satisfy the FCRAs requirements for blocking fraudulent information under FCRA 605B . Capital One is legally required to block identity-theft-related information within four business days. They have not done so.

I also filed a complaint with my State Attorney General, who reviewed my identity-theft documentation and instructed me to escalate the matter to the Consumer Financial Protection Bureau due to Capital Ones continued refusal to investigate, validate, or block fraudulent information.

Importantly, other furnishers have already complied. For example, JPMCB/Chase has removed their fraudulent reporting, and other creditors involved in the same identity-theft event have deleted the disputed information from my reports. This confirms that the disputed Capital One reporting is tied to the identity theft documented in my FTC report. Capital One is the only furnisher refusing to cooperate or comply with federal law.

Capital One is in violation of numerous FCRA provisions, including : FCRA 605B ( b ) Failure to block fraudulent information within 4 business days FCRA 623 ( b ) Failure to conduct a reasonable investigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate FCRA 623 ( a ) ( 3 ) Failure to mark the account as disputed while under investigation FCRA 611 ( a ) Failure to reinvestigate disputed information FCRA 611 ( a ) ( 6 ) Failure to provide Method of Verification FCRA 609 ( a ) ( 1 ) Failure to provide documentation used for verification FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 623 ( b ) ( 1 ) ( E ) Failure to delete unverifiable information FCRA 605B ( f ) Failure to comply with identity-theft-victim protections Capital One continues to furnish disputed, compromised, and unverified information, despite multiple disputes and despite having received my full identity-theft documentation. They have validated this account without providing proof, which is unlawful. The statutory time allowed for verification and correction has long passed.

I am no longer requesting verification.

I am requesting permanent deletion of all Capital One reporting associated with this identity-theft event and permanent blocking under FCRA 605B .

I am submitting the following documents with this complaint : My FTC Identity Theft Report ( # XXXX ) My government-issued ID My proof of address Capital One must not continue furnishing information they can not verify and refuse to investigate, especially when other furnishers have already removed fraudulent information tied to the same identity-theft event. Their ongoing reporting is causing financial harm, emotional distress, and damage to my credit.

Company response to consumer: Closed with explanation