Consumer complaint received 2024-02-05 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: MO

Complaint narrative:
Subject : Urgent Resolution Required : Unlawful Credit Reporting Violations under Missouri FCRA and Identity Theft Laws Dear CAPITAL ONE, I hope this message finds you well, albeit addressing a matter of pressing concern. I write to bring to your attention the grave issue of unauthorized information reporting to my credit file, a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), coupled with the pertinent Missouri FCRA provisions. 

It has come to my dismay that CAPITAL ONE has been engaging in the unauthorized reporting of information to my credit file without obtaining the necessary consent, a clear violation of federal laws as stipulated in the FCRA. Section 1681b ( a ) ( 2 ) explicitly mandates that consumer consent is an absolute prerequisite for such reporting activities. 

Beyond federal mandates, Missouri FCRA provisions reinforce the imperative of obtaining consumer consent for credit reporting activities. Your attention is specifically drawn to the relevant sections of Missouri 's FCRA, highlighting the necessity of explicit consent for reporting and the fair treatment of consumer credit information. 

Moreover, considering the severity of unauthorized access and misuse of personal information, it is crucial to emphasize the implications under identity theft laws, safeguarded by Missouri Penal Code Section [ Relevant Section ]. Unauthorized reporting not only breaches my rights but also jeopardizes my creditworthiness, a matter not taken lightly under these laws. 

I assert, unequivocally, that no explicit consent has been granted to CAPITAL ONE for reporting any information to my credit file. This lack of consent is a clear violation of my rights, constituting potential damage to my creditworthiness and a flagrant disregard for federal and state laws. 

I hereby demand, with utmost urgency, that CAPITAL ONE immediately cease any further reporting of information to my credit file without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and the corresponding Missouri FCRA provisions. Non-compliance within the stipulated 30-day timeframe will be considered a willful violation, subject to penalties under applicable laws, including identity theft laws. 

It is imperative to understand that obtaining consent is not a discretionary choice but a legal obligation under the specified sections of the FCRA, Missouri state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unwarranted and damaging credit reporting practices. 

I anticipate your immediate attention to this matter and expect CAPITAL ONE to expeditiously rectify these egregious violations, thereby respecting my rights under federal and state laws. 

With a genuine hope for swift resolution, XXXX XXXX

Company response to consumer: Closed with explanation