Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
CAPITAL ONE CASE # XXXX Capital One 's response is legally insufficient, evasive, and demonstrates willful noncompliance with federal consumer protection laws. 

Capital One claims that the disputed account was opened via an online application on XX/XX/year> yet admits there is no signed agreement, no authenticated electronic signature, and no documentation proving my identity or consent. This does not meet the standard for debt validation or fair reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, nor the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802-6803.

What They Failed to Provide : No signed contract ( paper or digital ) linking me to the account.

No IP address logs, device verification, or user-authentication records from the alleged online application.

No chain of assignment, internal investigation report, or independent audit trail.

No privacy notice confirming how they handled, shared, or protected my data under GLBA requirements.

Their only justification for continuing to report this account is that " the information is accurate '' yet they offer no verifiable evidence that I am legally responsible for this account. Their enclosure of generic customer agreement terms is irrelevant unless tied to me by clear, lawful consent.

Legal Failures : FCRA Violation ( 15 U.S.C. 1681i ( a ) ) : Failure to remove or correct unverified information within 30 days.

FCRA Violation ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishing data to CRAs without verifying accuracy after dispute notice.

GLBA Violation ( 68026803 ) : Failure to provide transparency on data handling, obtain consent, or issue privacy disclosures.

Willful or Negligent Noncompliance ( 1681n & 1681o ) : Continuing to report unvalidated data after dispute.

Unfair Practices : Burden-shifting to the consumer, ignoring basic documentation standards for credit reporting.

I Am Formally Requesting : Immediate removal of the Capital One tradeline from all CRAs ( XXXX XXXX XXXX ) unless Capital One can lawfully validate the account with : A signed agreement or authenticated online application linked to my name, IP address, device, and timestamp.

Full transaction history, billing, and communications directly attributable to me.

Internal fraud review, chain of custody, and authentication report.

A full CFPB review of Capital Ones dispute handling practices, particularly involving online account creation without secure ID confirmation.

Preservation of my right to pursue civil action under 15 U.S.C. 1681p, and seek damages for negligent or willful violations under 1681n and 1681o.

Final Note : This issue is not resolved. Capital Ones response is not documentation it is a generic justification letter that dodges responsibility and fails to meet the legal standard for verifying debt or consumer consent.

I request that the CFPB escalate this matter, and consider investigating Capital Ones pattern of behavior toward consumers disputing unverified online accounts.

Company response to consumer: Closed with explanation