Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am responding regarding CFPB Complaint No. XXXX involving Capital One Financial Corporation and the inaccurate statement that my complaint requires authorization because of an alleged unauthorized third party. I strongly dispute that response and am once again clarifying that I am the living individual and consumer associated with the credit file and disputed Capital One accounts in question. I personally submitted this complaint and all supporting documentation on my own behalf. No third party, XXXX XXXX XXXX, attorney representative, or unauthorized individual is acting for me in this matter. The CFPB complaint itself clearly reflects my identifying information, complaint narrative, supporting attachments, and dispute details. I have already provided extensive documentation verifying my identity and supporting my identity theft claims, including : Copy of my Driver License Copy of my Social Security Card Proof of Current Address FTC Identity Theft Report Identity Theft Affidavit Prior written disputes and supporting records These documents were attached to my complaint and clearly demonstrate that I am the consumer associated with this matter. XXXX XXXX continued reliance on the phrase unauthorized third party appears to be an attempt to avoid conducting the reasonable investigation required under federal law rather than addressing the actual substance of the dispute. The issue is not authorization for a third party. The issue is that fraudulent Capital One accounts are being reported on my consumer credit file despite my repeated identity theft disputes and supporting evidence. As reflected within my CFPB complaint submission, I clearly stated that the Capital One accounts being reported were not opened or authorized by me and do not represent financial obligations I knowingly incurred. I also requested that Capital One provide competent evidence proving that I knowingly opened or benefited from these accounts, including signed applications, contracts, transaction histories, identity verification records, and account-opening documentation. To date, no such competent evidence has been provided. Instead, Capital One continues to issue generalized responses while failing to provide the actual documentation necessary to establish lawful ownership or authorization of the disputed accounts. Generic internal verification or automated reporting confirmations are not sufficient under the Fair Credit Reporting Act ( FCRA ). This letter serves as additional formal notice that I am exercising my rights under the Fair Credit Reporting Act, including but not limited to : XXXX U.S.C. XXXX ( b ), requiring reasonable procedures to assure maximum possible accuracy XXXX U.S.C. XXXX ( a ), requiring a reasonable reinvestigation of disputed information XXXX U.S.C. XXXX ( FCRA XXXX ), requiring blocking of identity theft-related information XXXX U.S.C. XXXX ( b ), requiring furnishers to conduct meaningful investigations upon receiving disputes Under these provisions, once a consumer submits a valid identity theft report and supporting documentation, fraudulent information must be blocked and removed if it can not be properly verified through competent evidence. Capital One can not simply continue reporting disputed accounts without providing lawful proof that I knowingly authorized them. I also dispute any implication that my complaint is invalid because of an alleged authorization issue. My CFPB complaint contains my personal identifying information, contact information, written dispute narrative, and supporting documentation. I have repeatedly verified my identity and there is no legitimate basis for continuing to delay or avoid a substantive investigation into the fraudulent accounts. XXXX XXXX response does not resolve the core dispute. Rather than addressing the identity theft allegations and documentation submitted, the company responded by claiming authorization was needed from me to proceed. However, I already submitted the complaint directly and personally. This creates unnecessary delay and appears inconsistent with the obligations imposed by federal consumer protection laws. I am requesting that Capital One immediately conduct a proper reinvestigation into all disputed accounts associated with identity theft and provide the following : Copies of all signed applications and account agreements bearing my signature. Copies of all account-opening documentation and identity verification records used when the accounts were established. Copies of transaction records allegedly linking me to the disputed accounts. The full method of verification ( MOV ) used to verify the disputed accounts, including : Whether verification occurred through e-Oscar, manual review, or third-party systems The date and time of verification The identity of the person or department conducting the verification The documents reviewed during the process The source of the data relied upon Complete audit trails and furnishing histories for each disputed account. Copies of all communications exchanged between Capital One and XXXX, XXXX, and XXXX regarding these disputed accounts. Written confirmation that all disputed accounts are marked as disputed by consumer on all credit reporting agencies. Immediate deletion and blocking of all fraudulent Capital One accounts if Capital One can not provide competent evidence proving I knowingly opened or authorized them. I also remind Capital One that under FCRA XXXX, once identity theft documentation has been provided, the law requires blocking of fraudulent information unless the furnisher can establish that the information relates to a legitimate transaction involving the consumer. Unsupported assertions that the account was verified do not satisfy this legal standard. My complaint specifically stated that this matter involves identity theft and fraudulent reporting, not merely a billing dispute. I have acted in good faith throughout this process and have repeatedly submitted all requested identification documents and supporting evidence. Despite this, Capital One continues to respond with procedural objections rather than addressing the actual fraudulent reporting concerns. The continued reporting of these disputed accounts has caused substantial financial and personal harm, including : Damage to my credit score Increased difficulty obtaining financing and housing Emotional distress and anxiety Harm to my financial reputation Ongoing risk of future collection activity Lost financial opportunities Because these accounts are inaccurate and disputed as fraudulent, their continued reporting creates ongoing harm every month they remain on my consumer reports. I also request that Capital One notify XXXX, XXXX, and XXXX to immediately suppress, block, and remove all fraudulent Capital One accounts associated with my identity theft reports. If Capital One can not provide signed contracts, applications, or competent proof of authorization, these accounts must be permanently deleted from all consumer reporting agencies. Furthermore, if any accounts are removed or blocked, I request written confirmation that they will not be reinserted without full compliance with FCRA XXXX ( a ) ( XXXX ) ( B ), including advance written notice to me before any reinsertion occurs. I am again reiterating : I am the consumer associated with the credit file. I personally submitted this complaint. No unauthorized third party is acting on my behalf. My identity has already been verified multiple times. I submitted FTC identity theft documentation and supporting evidence. The disputed Capital One accounts are fraudulent and not authorized by me. Accordingly, I demand immediate compliance with federal law and immediate corrective action. A fair resolution requires : Immediate deletion of all fraudulent Capital One accounts Blocking of identity theft-related information from reappearing Full reinvestigation compliant with the FCRA Written confirmation of all deletions and corrections Copies of all verification documents relied upon Confirmation that the disputed information will no longer be furnished or collected upon This matter remains unresolved until Capital One either : Produces competent evidence proving I knowingly authorized these accounts ; or Permanently removes and blocks the fraudulent accounts from all credit reporting agencies. If this matter is not properly resolved, I reserve all rights to continue escalating through : The Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General offices Additional federal and state regulators Available private legal remedies under federal and state law I expect a substantive written response addressing the actual identity theft dispute and not another generalized claim regarding unauthorized third parties. The law requires meaningful investigation, maximum possible accuracy, and removal of unverifiable or fraudulent information.

Company response to consumer: Closed with explanation