Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I unlocked all 3 credit bureaus do I could apply with my old auto finance company Capital one in an attempt to refinance my current auto loan. I then went into the Capital One website and input my information in their system to see if I prequalify with them pulling a soft inquiry which has no impact to my credit score. I immediately got denied so thats when I left the website and logged back into XXXX, XXXX, and XXXX and locked and freezed my credit reports. I then got a credit monitoring alert from XXXX that XXXX XXXXXXXX XXXX had attempted access to my credit report. I contacted them and they refuse to provide any information to me so I added this inquiry to my FTC identity theft affidavit and added this attempt to my police report. I received a letter last Friday XX/XX/XXXX from XXXX XXXX XXXX dated XXXX stating your credit application was forwarded to us by Capital One. After carefully reviewing your application, we are sorry to advise you that we can not open an account for you at this time. If you would like a statement of specific reasons why your application was denied, please contact us us as shown down below within 60 days of the date of this letter. We will provide you with a statement of reasons within 30 days after receiving your request. 

It has the name of XXXX as the credit reporting agency and XXXX XXXX XXXX XXXX as the companies they had went through in order to make a decision. 

I contacted Capital one XX/XX/XXXX and questioned this and they denied that they shared my info. On this same day later in the evening I opened a letter from XXXX dated XX/XX/XXXX stating thank you for your application for credit for automobile financing which we received from Capital One XXXX CA. Your application authorize the dealer to submit the application to lenders such as XXXX XXXX XXXX, an attempt to qualify you for financing. After carefully reviewing your application, we are sorry to advise you that we are unable to approve your financing request at this time. If we obtain information from a consumer reporting agency, as part of our consideration of your application, its name, address and toll-free telephone number is show below. We did not obtain a copy of your credit bureau report when reviewing your application for Credit. Sincerely, XXXX XXXX XXXX the letter does not disclose which credit reporting agency it had accessed. 

First of all I have never attempted to apply with XXXXXXXX XXXX XXXX and XXXX XXXX and any other creditors beside Capital One and XXXX XXXX XXXX, which now XXXX had accepted my application and is sending a check to my current Servicer to take over my loan. 

The reason Im being denied is because I have locks on my credit so theyre unable to obtain my information however, they are making attempts which are against the law because I did not provide my information to these entities.

Company response to consumer: Closed with explanation