Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Capital One Financial Corporation Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Unauthorized Credit Inquiries Violation of 15 U.S. Code 1681b Dear Capital One Compliance Department, I am writing to formally dispute over 30 unauthorized credit inquiries placed on my consumer credit reports by Capital One, which appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for obtaining a consumer credit report.

I did not authorize these inquiries, nor was there a legitimate or permissible business purpose under the FCRA for them. I have reviewed my credit reports from all three major bureaus and have identified these inquiries as unauthorized and therefore unlawful. 
Demand for Immediate Action I respectfully request that you : 1. Immediately remove all unauthorized Capital One inquiries from my credit reports with XXXX XXXX and XXXX. 
2. Compensate me in the amount of {$15000.00}, representing a fair and reasonable settlement of {$500.00} per unauthorized inquiry, 50 % off the {$1000.00} statutory maximum available to me under the FCRA for each willful violation. I will attach a copy of my credit report showing the inquires with dates.

I am willing to resolve this matter amicably and agree to sign a mutual release and non- disparagement agreement, provided that : - Capital One does not admit any wrongdoing, and - The agreement reflects that no liability is assigned.

Notice of Intent to Litigate if Necessary Should you choose not to settle, I am prepared to fully litigate this matter. If litigation becomes necessary, I will pursue the full statutory amount of {$1000.00} per violation ( {$30000.00} total ), plus actual damageswhich may include : - Loss of credit opportunities, - Emotional distress, - Legal fees, - and any further provable harms caused by your actions.

Additionally, Capital One may be liable for punitive damages under 15 U.S. Code 1681n if willful noncompliance is established. I will also seek to recover attorneys fees and court costs, as permitted by law.

Please understand that litigating this matter will be far more costly to your company in terms of legal resources, time, and potential reputational damage than the reasonable resolution I am offering here.

Request for Response This letter is a good-faith effort to resolve the matter privately. If I do not receive a response within 10 business days, I will move forward with commence civil litigation. I also have a FCT report if requested. Please direct all future communications regarding this matter to me in writing at the address above or via email at XXXX Sincerely, XXXX XXXX XXXX Estimated Litigation Cost Breakdown Below is an estimated breakdown of the litigation costs Capital One may incur if this matter proceeds to civil court : Item Estimated Cost Outside Legal Counsel ( XXXX hours @ XXXX XXXXXXXX ) {$80000.00} Court Filing Fees {$500.00} Internal Staff & Compliance Costs {$10000.00} Discovery and Document Review {$15000.00} Expert Witness ( if required ) {$5000.00} Depositions and Transcripts {$7500.00} Travel and Lodging ( for legal team ) {$3000.00} Potential Settlement or Judgment XXXX XXXX  Reputational Damage & Compliance Risk Not Quantifiable Total Estimated Litigation Cost : XXXX XXXX

Company response to consumer: Closed with explanation