Consumer complaint received 2025-03-26 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: DC

Complaint narrative:
In XXXX and XX/XX/XXXX, I repeatedly reached out to Capital One about an unauthorized credit card account on my credit report. It appears to be a revolving credit card with the account number XXXX XXXX XXXX, which only shows up on my XXXX and XXXX credit reports. For both bureaus, the account number is XXXX. The account states it was opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
Despite my efforts, Capital One couldnt find or link the account to me. They claimed there was no record of it in their records. Since they couldnt see it on my credit profile, they couldnt take any action. 

Undeterred, I contacted the credit bureaus multiple times to resolve the issue. However, on XX/XX/XXXX, I decided to escalate the matter by calling Capital One again. I provided them with the full account number provided by XXXX XXXX and refused to end the call until I spoke with someone directly about the problem. Capital One acknowledged my concerns and assured me theyd escalate the issue to a higher department. 

A few days later, I received a call back from the same department. They confirmed they had found the account, even though it was supposedly closed, they couldnt find any connection between the account and my existing profile with Capital One. The department offered to remove the account from my credit report within a couple of days, but unfortunately, that never happened. 

I continued to call Capital One, but they consistently reiterated that they couldnt take any action since they still couldnt find any link between the account and my information. Despite this, the Capital One credit card account continues to showing up on my XXXX and XXXX credit report causing me significant distress and inconvenience. 

I reached out to Capital One multiple times in XXXX and XX/XX/XXXX regarding an unauthorized account on my credit report. Th account, was closed Despite my repeated attempts to locate and resolve the issue, Capital One was unable to find the account or associate with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. 

On XX/XX/XXXX, I decided to escalate the issue by calling Capital One again. I provided them with the account number I had received from and refused to end the call until I spoke with someone directly about the matter. Capital One acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its closure. However, they stated that they couldnt find any association between the account and my existing profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call Capital One numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.

Company response to consumer: Closed with explanation