Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB COMPLAINT UNAUTHORIZED & INACCURATE REPORTING BY CREDITOR CAPITAL ONE Submitted By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN Last 4 : XXXX FTC Identity Theft Report # : XXXX Date : XX/XX/year> Company Complained About : Capital One Bank ( USA ), N.A. 
Company Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Nature of the Complaint : I am filing this complaint against Capital One Bank ( USA ), N.A. for reporting inaccurate, unverifiable, and fraudulent derogatory information to XXXX XXXX XXXX XXXX regarding account number XXXX. Capital One is knowingly and willfully furnishing false and outdated data, showing 22 months of late payments and a charged-off balance of {$230.00}, which I dispute in full. 

This account is tied to identity theft, as documented in my FTC Identity Theft Report # XXXX. The account was not authorized, opened, or maintained by me, and yet it remains on my credit reports with damaging negative history and a false charge-off. 

Despite notifying Capital One and the credit bureaus of this issue, the account continues to be reported as verified with no substantiated investigation details or lawful documentation provided. 



Violations Cited : Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) for the following reasons : 15 U.S.C. 1681s-2 ( b ) : Failing to conduct a reasonable investigation after receiving notice of dispute from a consumer reporting agency ; 15 U.S.C. 1681i ( a ) ( 2 ) : Failing to provide the full description of the investigation and method of verification ; 15 U.S.C. 1681b : Reporting without permissible purpose ; 15 U.S.C. 1681c-2 : Failing to block fraudulent information after receiving identity theft report ; 15 U.S.C. 1666b : Improper application of late fees and failure to honor billing error rights under FCBA ; Failure to provide chain of assignment or original signed contract proving lawful ownership and validity of the alleged debt. 



Relief Sought : I am requesting that the Consumer Financial Protection Bureau immediately investigate this matter and take regulatory action against Capital One for furnishing false and unverifiable data in violation of federal law. 

I demand the following relief : 1. Permanent deletion of the Capital One account # XXXX from XXXX XXXX XXXX XXXX ; 2. A full copy of the original application and signed contract for the account ; 3. A complete description of the investigation and method of verification used to verify this account ; 4. Forward flow agreement and chain of title if the debt was sold ; 5. Monetary compensation for damages under 15 U.S.C. 1681n and 1681o for continued harm to my credit reputation ; 6. Cease and desist all future reporting of this account to any consumer reporting agency. 

This complaint is being submitted with supporting documentation including my FTC Identity Theft Report and current Experian credit report showing the inaccurate charge-off. 



Signature : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation