Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have contacted the FTC and I am also reporting Capital One to the CFPB for the following : unethical & deceptive business practices, illegally pulling my credit without my consent or prior authorization, violating my rights under FCRA, ignoring all disputes for the past 6 months, falsifying disputes to the credit bureaus, emailing me against my consent, falsely updating my credit reports to reflect inaccurate information while deliberately ignoring all disputes. I have been disputing Capital One Auto for more than 6 months. Capital One Auto not only ignores all disputes, but the moment I dispute the account with the credit bureaus, Capital One Auto immediately emails me within XXXX hours of filing a dispute with the credit bureaus. Capital One Auto emails me within XXXX hours of contacting the credit bureaus claiming that they've received my dispute. Their email goes on to state that their investigation will take up to 30 days. Here is the deception, within XXXX hours, Capital One Auto pulls my credit report as if I've authorized them to do so. They then email me stating, we have a copy of your credit report. Your dispute is now complete, please log in to your account. Which means that they're dispute has been completed and closed out each time within XXXX hours of me contacting the credit bureaus. This is fraudulent and deceptive practices. Capital One Auto is illegally & deceptively pulling my credit report ( s ) updating whatever information that the credit bureaus have on file to make it match their system, they then email me, and tell me to log in to my account. Also, I NEVER AUTHORIZED Capital One Auto to contact me via email. This is another deceptive tactic. And I do not have an account with CAPITAL ONE AUTO FINANCE! 
Therefore, they are deceptively emailing me advising me to login to an account that I DO NOT HAVE. THEREFORE, I DO NOT LOG IN. HOWEVER, CAPITAL ONE AUTO FINANCE HAS BEEN USING THESE DECEPTIVE TACTICS TO DECEITFULLY OUTSMART XXXX XXXX XXXX INTO RE-UPDATING AN IGNORED, DISPUTED ACCOUNT EACH MONTH ONTO MY CREDIT REPORT. MEANWHILE, CAPITAL ONE AUTO FINANCE IS RUNNING RAMPANT ON PULLING MY CREDIT WITHOUT MY CONSENT OR PRIOR KNOWLEDGE, THEY ARE FALSELY RE-UPDATING AN ACCOUNT EACH MONTH AS INVESTIGATED WHEN THEY'RE INVESTIGATION TACTICS REMAIN FALSE, DECEPTIVE, AND MISLEADING. LASTLY, CAPITAL ONE AUTO FINANCE IS EMAILING ME TO LOG IN TO MY ACCOUNT TO FALSELY CREATE THE IMPRESSION THAT WE HAVE A BUSINESS RELATIONSHIP. I AM REQUESTING THAT CAPITAL ONE 'S ENTITLEMENT OF CREDIT PULLINGABUSE BE " REVOKED ''. I DO NOT WANT CAPITAL ONE PULLING MY CREDIT WITHOUT MY CONSENT TO FALSELY CREATE THE IMPRESSION THAT I AM APPLYING FOR GOODS AND SERVICES WHEN I AM NOT. CAPITAL ONE HAS BEEN ILLEGALLY PULLING MY CREDIT FOR THE PAST 7 YEARS OR MORE. THIS NEEDS TO END. EACH TIME THAT THEIR ILLEGAL TACTICS ARE DISPUTED-CAPITAL ONE CREATES DECEPTIVE TECHNIQUES TO MANIPULATE THE XXXX. CAPITAL ONE REMAINS IN VIOLATION OF THE FCRA. THEY REMAIN IN VIOLATION OF UNETHICAL ANDDECEPTIVE BUSINESS PRACTICES, AND THEY'RE FALSE AND DECEPTIVE TACTICS ARE GOING TO END UP CAUSING THE CREDIT XXXX & XXXX WHO SUPPORT THEIR DECEPTIVE PRACTICES TO RECEIVE AN FTC VIOLATION WITH THEM. CAPITAL ONE HAS & CONTINUES TO COMMIT FCRA VIOLATIONS. CAPITAL ONE HAS BEEN DRAINING MY CREDIT SCORE BY DELIBERATELY PULLING MY CREDIT AT RANDOM WITHOUT MY CONSENT OR AUTHORIZATION, Making hard inquiries without consumer authorization, Failing to remove unauthorized inquiries after disputes, Reporting incorrect information to credit bureaus, Ineffective dispute resolution processes, Continue reporting disputed information even after failing to fully verify its accuracy, Re-report previously deleted information without new evidence of accuracy. For instance, the same account was removed/deleted with XXXX. However, it is being updated each month with falsified investigations with XXXX  & XXXX. Furthermore, I am also requesting that Capital One 's illegal credit pulling access of my credit file be " revoked ''. One of their deceptive tactics is to continuously pull my credit without my consent, ignore all written disputes, yet email me as if we have a business relationship requesting that I log in to my account when in actuality I DO NOT HAVE AN ACCOUNT.

Company response to consumer: Closed with explanation