Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
As a victim of Identity theft, when I contacted the credit reporting agencies both online and over the phone, The security questions asked about " credit cards '', " loans '', and " bills '' I do not have. 

I correctly answered them all as " none of the above ''. 

" However '', my correct answers were deemed incorrect, and I was denied access to my credit reports each time, and told that I must submit, by mail, proof of my identity in order to receive access to my credit reports ; by each credit reporting agency ; " This, '' is how I first knew my identity was stolen. 

" The second knowing was, '' when I had actually gone to apply for a loan and was denied because someone had previously applied ( over XXXX times! ) to borrow money from that company, online, using my social security number under a different name ; I had never been to or requested a loan from that company, prior to that day. 

Another obvious reason for me knowing I was a victim of identity theft was because there was a sudden and unexplained, nearly XXXX point decrease in my credit score from the upper XXXX 's to the low XXXX 's, which is the scoring I could see from my banking apps. 

These incidents confirmed my identity was stolen and that I was a victim of identity theft ; which resulted in me filing a police report. 



XX/XX/XXXX, I " next day '' mailed, XXXX XXXX and XXXX  proof of my identity ; a copy of my ID, Social Security card, proof of my mailing address ( via bank statement copy ), a copy of my birth certificate, my identity theft police report and included a letter of dispute. 


In my dispute letter, I was unable to " specify accounts '' because I did not have access to my credit reports to specifically mention these " negative accounts '', so I wrote in my letters that I was disputing " all negative reporting accounts '' because I should not have any negatively reporting accounts ; I do not have any loans, credit cards or bills or outstanding debts. 

I requested that each credit reporting agency update my account with my correct and accurate information ( names, proper spelling, correct address etc. ), to delete all inaccurate information tied to my credit profile, social security number, name and address, and requested that they require proof/ verification of all negative reporting accounts from all creditors reporting information on my credit profile. 

I was not responded to by any of these credit reporting agencies in the XXXX days required, regarding my accounts and neither was my information changed, updated, or corrected. 

I called XXXX XXXX and XXXX  XX/XX/XXXX to update my information because they still had not updated a month later. 

I was told my dispute letter was invalid because the accounts had to be " specified '' ; which was impossible at the time to specify because a credit report for me could not be generated. 

They, then, on XX/XX/XXXX, told me of the negative accounts reporting on my credit profile, and I properly, and specifically disputed them, " Capital One '', that day over the phone. 


I asked that they now use my correct information and police report to clear all fraud and inaccuracies from my reports so that I may have the correct credit scoring. 

As I've stated, " Previously, '' my score was an average of XXXX XXXX nothing was preventing me from going forward in life. 

Due to these inaccuracies my credit is now in the XXXX 's ; I am judge wrongly in society, I have been penalized with " more pay '' / " must put more money down '', and higher interest rates when applying for/ or acquiring necessities like a place to live, cell phones & their services, or purchasing transportation. 

These inaccuracies are even holding me back from recievning my inheritance, have caused sever XXXX, dispare, hoplessness, and even suicidal thoughts. 

Experian even intentionally added more anguish by intentionally re-adding false information that had already been disputed and deleted, back onto my report, on my birthday, XX/XX/XXXX, as a sick and twisted gift. 

XXXX XXXX  and XXXX, have consistently ignored my evidence and have refused to remove the Capital One Account despite the information being inaccurate! 

I reached out to " Capital One '' and they admitted that the information they have attached to my credit profile/ my social security number does NOT match ; neith my name or address! 

With this knowledge they have still chosen to report these inaccuracies on all of my credit reports; even going as far as monthly doing soft inqiures, on my credit profile, to try to use my updated information, to change their inaccurate information to tie me to their false reports. 

I am tired of this! 

They have not ever, not once, responded with any form of verified information! 

I have gotten no response for over XXXX  days since my first dispute in XXXX, nor the second in XX/XX/XXXX, nor the third dispute in XX/XX/XXXX, not even the fourth in XX/XX/XXXX, nor the fifth dispute in XX/XX/XXXX! 

It is now XX/XX/XXXX and I do not have XXXX piece of mail from " Capital One '' verifying this account nor from these major XXXX credit " bureaus '', EVER! 

Experian, Transunion, and Equifax have broken the law by continuing to report this inaccurate information on my reports, after they have received my proper information to combat and delete inaccuracies and accounts due to identity theft. 

" Furthermore, '' Capital One has this debt listed as a " charge off, '' which means they have already received funds for the debt they are still seeking payment for, which is illegal because by law their " charge-off '', is considered " income '', and by law " income '' CAN NOT be reported on credit reports. 

Where is Capital One 's XXXX tax form for these accounts charge off? 
Wouldn't it have been mailed to me if the information they are reporting was accurate? 

They are not only consistently damaging my life, but are also consistently breaking the law! 

I am seeking permanent deletion of this negatively and inaccurately reporting " Capital One Account ''. The specific account number is not listed but the balance on the account I am speaking of, is {$2700.00} and the date closed is varying across my credit reports ; Transunion says " date closed : XX/XX/XXXX, '' and Experian says " date closed : XX/XX/XXXX. '' This information is inaccurate and must be deleted Today! 
They ALL have been given XXXX  months to correct their mistakes and still have not! 

Please help end this vicious cycle and allow me to receive the justice I so deserve! 

Thank you for your time

Company response to consumer: Closed with explanation