Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint against Capital One, appearing as CAP ONE, CAPITAL ONE, and CAPITAL ONE AUTO FIN for repeated, unauthorized, and unlawful hard inquiries placed on my credit reports across both XXXX XXXX XXXX. These inquiries were made without my consent, without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), and they represent willful, negligent, and abusive violations of consumer protection laws. 

The following Capital One inquiries are in dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This shows a clear pattern of repeated and duplicative reporting across multiple bureaus. Several inquiries occurred on the same day across more than one bureau ( XX/XX/XXXX and XX/XX/XXXX ), creating multiple entries of damage from a single alleged credit pull. This is abusive, reckless, and unlawful. 

I never granted Capital One express written authorization to pull my credit reports on these dates. I did not initiate any transaction, request, or application that would justify a permissible purpose. These inquiries were unauthorized and unlawful under federal law. 

By making these repeated inquiries, Capital One engaged in systematic misconduct, amounting to reckless disregard of consumer rights. This is not a clerical error or a one-time mistake. This is a repeated attack on my creditworthiness, in violation of the FCRA and supported by a long-standing pattern of Capital One engaging in overreaching practices against consumers.

Legal Framework and Violations 1. FCRA 1681b ( 15 U.S.C. 1681b ) Clearly states that consumer reports may only be furnished for specific, permissible purposes. Capital One had no permissible purpose to access my credit file multiple times without my authorization. Each inquiry is a separate violation.

2. FCRA 1681e ( a ) Requires reasonable procedures to prevent unauthorized use of consumer reports. Capital One failed to implement or follow such procedures, given the repeated, duplicative pulls.

3. FCRA 1681e ( b ) Requires maximum possible accuracy of consumer report information. By allowing multiple duplicative and unauthorized Capital One inquiries to remain, XXXX XXXX XXXX are also in violation of this section.

4. FCRA 1681n ( Civil Liability for Willful Noncompliance ) Capital One is liable for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees for its willful disregard of consumer rights. 
5. FCRA 1681o ( Civil Liability for Negligent Noncompliance ) Capital One is liable for at least negligent noncompliance, entitling me to actual damages and legal fees.

6. FDCPA 15 U.S.C. 1692c & 1692g To the extent Capital One operates through debt collection affiliates, its conduct further violates the FDCPAs provisions regarding consumer communication and validation.

Why This Is Harmful Capital Ones unauthorized inquiries have caused direct damage to my credit score, my ability to obtain new credit, and my overall financial reputation. Each hard inquiry lowers my credit rating, misrepresents my credit-seeking behavior, and paints a false picture that I am aggressively applying for credit when I am not. 

The clustered timing of these inquiries multiple bureaus hit on the same day is evidence of reckless disregard for FCRA compliance. This shows systemic failures in Capital Ones compliance and auditing process.

Furthermore, the continued publication of these inquiries by XXXX XXXX XXXX makes them complicit in this violation. Both bureaus are bound by FCRA 1681e ( b ) to ensure accuracy, and allowing unauthorized and duplicative inquiries to remain is a violation of their legal obligations as well. 

This is not a one-time mistake. It is a repeated pattern of unlawful intrusions into my financial privacy.

Company response to consumer: Closed with non-monetary relief