Consumer complaint received 2026-01-30 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 because Capital One is reporting XXXX or more accounts on my credit report that I do not own, did not open, and did not authorize, and those accounts are the result of identity theft. Despite proper notice, formal disputes, and my filing of an Identity Theft Report with the Federal Trade Commission ( FTC ), Capital One has continued to report the account ( s ) as valid, causing ongoing harm. 

Discovery of Fraudulent Capital One Account ( s ) After reviewing my credit reports, I discovered account ( s ) reported by Capital One that I did not recognize. I did not apply for these accounts, did not sign any agreement, and did not authorize Capital One or any third party to open credit in my name. The appearance of these accounts was my first indication that my personal identifying information had been misused. 

These accounts have been reported with negative payment history, delinquency, charge-off, and/or collection status. Because I do not own these accounts, any activity reflected on them is inaccurate and misleading. 

Identity Theft and FTC Report Once I determined that the Capital One account ( s ) were fraudulent, I took the appropriate steps required of identity theft victims. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) documenting that the account ( s ) were opened without my knowledge or consent and are the result of identity theft. 

The FTC Identity Theft Report is a formal declaration that fraud occurred. It is not a statement of confusion or disagreement ; it is a sworn report made under penalty of perjury. This report establishes that I am asserting non-ownership due to identity theft. 

Disputes Submitted and Capital Ones Response After filing the FTC Identity Theft Report, I disputed the Capital One account ( s ) directly and through consumer reporting agencies. In my disputes, I clearly stated that : I do not own the account ( s ) I did not authorize the account ( s ) The account ( s ) are the result of identity theft I filed an FTC Identity Theft Report Despite this, Capital One has continued to report the account ( s ) as valid. In response to disputes, Capital One has relied on internal records, automated systems, or prior account data rather than producing competent proof of authorization. 

Capital One has not provided : A contract bearing my wet signature A verifiable electronic signature showing affirmative consent Evidence that I knowingly applied for or agreed to the account ( s ) The absence of such documentation is critical. Without proof of authorization, Capital One can not establish that I am legally responsible for the account ( s ).

Verification Does Not Equal Authorization Capital Ones continued reporting appears to be based on the assertion that the account ( s ) were verified or accurate as reported. However, verification of data is not verification of authorization. Identity theft frequently involves the misuse of accurate personal information, which can appear consistent in a lenders system even when the consumer did not open the account. 

Confirming that information exists in Capital Ones records does not establish that I authorized the account. This distinction is central to identity theft disputes and has not been adequately addressed by Capital One. 

Ongoing Inaccurate Reporting Despite notice of identity theft and the FTC filing, Capital One has continued to furnish the account ( s ) to consumer reporting agencies. In some instances, the account ( s ) may have been marked as disputed, but they have not been removed. 

Merely labeling a fraudulent account as disputed does not correct the inaccuracy. The account ( s ) continue to appear on my credit report and continue to negatively affect my credit profile. 

Consumer Harm The continued reporting of these fraudulent Capital One account ( s ) has caused significant consumer harm, including : Damage to my credit scores Increased difficulty obtaining credit on fair terms Emotional distress and anxiety Time and expense associated with repeated disputes and follow-ups I am being penalized for fraudulent activity that I did not commit and could not have prevented. 

Failure to Resolve Despite Multiple Attempts I have made multiple attempts to resolve this issue directly with Capital One and through the dispute process. Despite providing clear notice of identity theft and filing an FTC Identity Theft Report, the issue remains unresolved. 

The persistence of this inaccurate reporting indicates a failure to properly address identity theft claims and a failure to correct information that is known to be disputed and unsupported by proof of authorization. 

Why CFPB Intervention Is Necessary I am submitting this complaint to the Consumer Financial Protection Bureau because my efforts to resolve this issue directly have not resulted in correction of the inaccurate reporting. Capital Ones continued reporting of account ( s ) that I do not own raises serious concerns regarding compliance with consumer protection standards and the accuracy of information furnished to consumer reporting agencies. 

This is not a request for payment accommodation, goodwill, or forgiveness of a legitimate debt. This is a request for correction of fraudulent information that does not belong to me. 

Requested Outcome Because the Capital One account ( s ) are fraudulent and the result of identity theft, they should not appear on my credit report in any form. Continued reporting of these accounts misrepresents my credit history and causes ongoing harm. 

I am requesting regulatory assistance to ensure that Capital One : Acknowledges the identity theft Stops reporting account ( s ) that I did not authorize Corrects the inaccurate information furnished to consumer reporting agencies Closing Statement I acted responsibly by reviewing my credit, identifying fraudulent activity, filing an FTC Identity Theft Report, and disputing the account ( s ). Despite this, Capital One continues to report account ( s ) that I do not own. I am asking for CFPB assistance so that this matter can be properly reviewed and resolved, and so that my credit report reflects only accounts that I actually opened and authorized.

Company response to consumer: Closed with explanation