Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
This is NOT a duplicate complaint. My previous complaint resulted in the removal of fraudulent accounts from my credit report. However, XXXX and XXXX have now reinserted these accounts without properly notifying me within the required five-day period, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

I am a victim of identity theft and am disputing the following fraudulent accounts that were opened in my name without my authorization. Capital One has reported several accounts in my name, including an auto loan marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have taken all necessary steps to address this fraud, including : Filing a police report Submitting an FTC Identity Theft Affidavit Disputing these accounts with XXXX and XXXX Requesting documentation from the creditors, which they have failed to provide Credit Bureau Violations & Request for Immediate Removal : Under the FCRA, reinserting previously deleted fraudulent accounts without proper notice is illegal. XXXX and XXXX failed to : 1.Provide written notice within five days of reinsertion.

2.Verify the legitimacy of the accounts with documented proof.

3.Follow proper reinvestigation procedures before reporting false information again. 

Due to these violations, I am requesting immediate and permanent removal of these accounts while the investigation is ongoing. 
This is NOT a duplicate complaint. My previous complaint resulted in the removal of fraudulent accounts from my credit report. However, XXXX and XXXX have now reinserted these accounts without properly notifying me within the required five-day period, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ). 

I am a victim of identity theft and am disputing the following fraudulent accounts that were opened in my name without my authorization. Capital One has reported several accounts in my name, including an auto loan marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have taken all necessary steps to address this fraud, including : Filing a police report Submitting an FTC Identity Theft Affidavit Disputing these accounts with XXXX and XXXX Requesting documentation from the creditors, which they have failed to provide Credit Bureau Violations & Request for Immediate Removal : Under the FCRA, reinserting previously deleted fraudulent accounts without proper notice is illegal. XXXX and XXXX failed to : 1.Provide written notice within five days of reinsertion.

2.Verify the legitimacy of the accounts with documented proof.

3.Follow proper reinvestigation procedures before reporting false information again. 

Due to these violations, I am requesting immediate and permanent removal of these accounts while the investigation is ongoing.

Documents I Demand from the Creditor & Credit Bureaus : 1.A copy of the original application for each fraudulent account.

2.The email address and phone number used on the application.

3.The mailing address associated with the account at the time of application.

4.Any recorded phone calls related to the application process.

5.IP address or location where the application was submitted. 

At the time these fraudulent accounts were opened, I was living in XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, proving that I was not the applicant. 

Resolutions I Am Requesting : 1.Immediate and permanent removal of the fraudulent accounts from my credit report.

2.A detailed written explanation of how and why these accounts were reinserted.

3.A cease-and-desist order for any collection activities related to these fraudulent accounts.

4.Full compliance with the FCRA reinvestigation and reinsertion procedures.

5.Provision of all requested documents within 30 days. 

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification. This fraudulent reinsertion has caused financial harm, and I am prepared to escalate this matter legally if not resolved immediately.

Company response to consumer: Closed with explanation