Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding a fraudulent judgment filed against me by XXXX, XXXX XXXX XXXX, XXXX on behalf of Capital One , N.A., successor by merger to XXXXXXXX XXXX, for the amount of {$3200.00}. I want to make it clear that I am not the debtor in this case, and this judgment was filed based on identity theft. My personal information was used without my consent, leading to this harmful legal action. I am demanding immediate investigation and resolution of this issue. This fraudulent judgment has caused immense stress and emotional distress. I am living with the constant fear that my financial reputation is being destroyed due to an obligation I did not incur. I did not open any accounts with Capital One, N.A. or XXXXXXXX XXXX. I did not apply for credit under these companies, nor did I authorize anyone to use my information in connection with them. This judgment has placed an unfair burden on me, forcing me to contest something that never should have been filed in the first place. This situation has caused ongoing damage to my financial standing, and I feel as though I have no control over something done to me without my knowledge or permission. Its frustrating to deal with a system that allows fraudulent accounts to be opened in my name, and even more frustrating to be held accountable for actions I didnt commit. This situation is damaging and demoralizing, and the stress of fighting a fraudulent debt that isnt mine is overwhelming. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that creditors and debt XXXX must report only accurate information. Yet, this judgment was entered without verifying the information. XXXX, XXXX XXXX XXXX XXXX XXXX failed to investigate the validity of the debt or attempt to verify my identity before taking legal action. According to the FCRA, any report that includes inaccurate information must be corrected. I am demanding that the CFPB investigate this issue and ensure the judgment is immediately vacated. This case also violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692. The FDCPA prohibits debt XXXX from misrepresenting debts or causing harm. This judgment, filed based on identity theft, directly violates the FDCPA as it attempts to collect a debt from someone who isnt responsible. The actions taken by XXXXXXXX XXXX XXXX XXXXXXXX have caused emotional distress and financial harm without a legitimate claim. I did not consent for Capital One, N.A. or XXXXXXXX XXXX to report this debt or use my information. Moreover, under 15 U.S.C. 1681b ( 2 ) of the FCRA, it is unlawful for creditors to use personal information for unauthorized purposes. The debt collection attempts and the judgment filed against me were done without any legitimate permissible purpose. I did not consent to the use of my personal information, and their actions are in clear violation of my consumer rights. This has gone on long enough. I am now filing complaints with the FTC, XXXX Complaint, and the XXXX XXXX Attorney Generals office, awaiting resolution. The lack of resolution is not just an inconvenienceits a violation of my rights, and it feels like an uphill battle that is wearing me down mentally, emotionally, and financially. I am requesting that the CFPB take immediate steps to remove this fraudulent judgment from my credit report, stop any collection efforts, and hold those responsible for the identity theft accountable. I should not be forced to live with the consequences of fraudulent actions I did not commit. The law is clear : I am not the debtor, and its time this matter be corrected and my financial standing restored. I am submitting all relevant documents to the court, including the FTC Identity Theft Report, FTC XXXX Report, CFPB Complaint, XXXX Complaint, XXXX XXXX Attorney Generals Complaint and my Affidavit of Identity Theft, to support my claims. These documents clearly establish that I am a victim of identity theft, and It is time for the authorities to step in. This judgment has impacted my life far more than I could have ever anticipated. I demand that the CFPB act swiftly to remove this from my record and protect consumers like me from identity theft and fraudulent debt collections.

Company response to consumer: Closed with non-monetary relief