Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
Date : XX/XX/year> To : Capital One Bank ( USA ), N.A. 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern : I XXXX XXXX am writing to lodge a formal dispute and demand corrective action regarding a hard inquiry Capital One placed on my credit report, which I assert was unauthorized, induced by deceptive representations, and executed without permissible purpose as defined under federal law. 
Deceptive and Misleading Representations ( Consumer Protection Statutes ) .. as such During the credit-card pre-qualification process, Capital One represented that the application process would not result in a hard inquiry and that the consumer could see what cards you may qualify for with NO impact to your credit. 
However, despite this representation, Capital Ones system coerces applicants by presenting a card they are more likely to qualify for, and then requires the consumer to complete the full applicationat which point a hard inquiry appears on the credit report. 
This practice constitutes a deceptive act or practice under : 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act prohibition on unfair or deceptive acts or practices ), 12 U.S.C. 5531 & 5536 ( Dodd-Frank Act prohibition on unfair, deceptive, or abusive acts or practices UDAAP ), and State deceptive trade practice statutes applicable to consumer credit transactions. 
Capital Ones conduct materially misleads the consumer into believing no hard inquiry will occur, while designing the process so that the consumer is funneled into an application that triggers XXXX anyway, constituting misrepresentation and coercive inducement. 
Lack of Permissible Purpose for the Hard Inquiry ( Fair Credit Reporting Act ) Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry may only be made when a creditor has a permissible purpose, strictly limited to those enumerated in : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) permissible only when a consumer initiates a transaction that involves the extension of credit. 
Because I was expressly told the process would not cause a hard inquiry, my consent was not informed or valid. Deceptive inducement nullifies any alleged authorization. Therefore, the inquiry is not compliant with FCRA 1681b and must be removed. 
Privacy Rights & Restrictions on Sharing Personal Information I also invoke my rights under : 15 U.S.C. 6802 ( GrammLeachBliley Act ) limiting financial institutions from sharing personal information without authorization ; and Capital Ones own Privacy Notice, under which I opted out of information sharing. 
I did not authorize the sale, distribution, or reuse of my personal data in any manner beyond the specific purpose disclosed especially not under deceptive circumstances Given the misrepresentation and the lack of valid permissible purpose, I hereby ask the following Immediate deletion of the unauthorized hard inquiry from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
Written confirmation of the deletion. 
For record-keeping and legal protection, all communication regarding this matter must be via email unless I specifically request otherwise.And the direct telephone number of the party assigned to handle this matter, so that I may confirm any future call is legitimate. 
If Capital One fails to remove the inquiry or continues deceptive conduct, I reserve the right to escalate this matter to : The Federal Trade Commission ( FTC ), My state Attorney General, and Any other relevant oversight or regulatory body. 
This letter shall serve as formal notice of dispute under FCRA 1681i and notice of objection to unauthorized data use under GLBA XXXX. 
Sincerely, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief