Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : Capital One XXXX Capital One XXXX XXXX XXXX  CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), Capital One is aware during the 2019 data breach ( announced July 29TH, 2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, and Capital One to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One and Capital One to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX XXXX XXXX Capital One, or Capital One fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of Capital One, XXXX XXXX XXXX XXXX of Capital One, and Capital One shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of Capital One and Capital One shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief XXXX XXXX is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my XXXX Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney GeneralXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation