Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Investigation and Removal of Hard Inquiries Under Section 611 ( 15 U.S.C. 1681i ) Dear Esteemed XXXX Team, I am contesting the information on my credit report that I believe is not correct. Specifically, I am disputing the hard inquiries listed on my report that I did not authorize. In accordance with Section 611 ( 15 U.S.C. 1681i ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into these inquiries, CAPITAL ONE AUTO FIN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, CAPITAL ONE AUTO FIN XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, CAPITAL ONE BANK USA XX/XX/XXXX, all creditors will be tagged also. 

The information provided has not been proven to be true, correct, or verified as required by law. Under FCRA guidelines and XXXX XXXX format standards, you are required to ensure that all information in my credit report is accurate, complete, and verifiable. Without factual proof of permissible purpose from the creditor, these inquiries can not remain on my report. 
I am specifically challenging the reportability of these hard inquiries based on the following : XXXX. You must confirm that the creditor had a permissible purpose under Section 604 of the FCRA ( 15 U.S.C. 1681b ) to access my credit file. 
XXXX. Provide physically verifiable evidence that these inquiries were authorized by me. 
XXXX. Demonstrate compliance with all FCRA and XXXX XXXX reporting standards, ensuring that the information you are reporting is accurate, valid, and compliant. 
I demand that you remove any inquiries that you are unable to verify as accurate and authorized. Additionally, I request that you provide physical proof of the following : Evidence showing the creditors permissible purpose for the hard inquiries in question. 
Documentation of the steps you have taken to investigate this matter and your findings. 
If you are unable to verify the inquiries as compliant, accurate, and valid within the legally mandated timeframe, I expect their removal from my credit report immediately. I also request that you mail me a copy of my updated credit report reflecting these changes to help me stay informed about the progress made. 
It is your responsibility to ensure that all information in my credit report is certified as true, accurate, and in compliance with applicable state and federal laws. Failure to do so makes the reporting of this information questionable and potentially unlawful. 
Thank you for your judicious attention to this matter. I look forward to receiving confirmation of the actions taken and an updated copy of my credit report. Should you require additional information from me to proceed, please let me know promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation