Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX Number : XXXX Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX XXXX INQUIRIES : Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX : Account Name : XXXX XXXX XXXX XXXX  Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Number : XXXX Account Name : XXXX XXXX BA Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXXXXXX XXXX XXXX XXXX XXXX, MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX : Account Name : CAP ONE NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account Name : XXXX XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00} XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00} XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX

Company response to consumer: Closed with explanation