Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I am a victim of not only identity theft but credit theft and I have tried everything since educating myself on this matter I will no longer be a victim of this fraud and theft and this derogatory reporting and inaccurate and fraudulent circumstance! I immediately have not only filed a FTC REPORT but I have also disputed these accounts with my credit bureaus all three of them and have tried to receive information from the companies at question including and and all information or proof they can provide to prove that thee inaccurate And fraud account or mine or have anything to do with me or my association. I am mediately want all of this resolved and erased it is holding as an adult and maintaining proper credit and getting certain funding as well a negative reputation, and keeping me from gainful employment, that run credit checks. 

I am also requesting that I have no security alerts and no credit freezes on my report. I repeat I do not want any security, freezes or alerts. 

The fair credit report act requires that a creditor be able to verify the written authorization of the consumer, giving the creditor permission to review the report. I know that the signed authorization can not be found for any of these accounts, because I did not approve. These or sign for these. In the presence of these fraudulent collection accounts should not be attached to my name, and they are adversely affecting my credit report, and is in pending my ability to obtain necessary credit. 

The following companies are fraudulent, not mine willingly or knowingly, and immediately need to be removed! 

XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX XXXX ( also on my report as a closed account so both need removed ) BALANCE {$630.00} ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of past ten years ) Account Type OPEN ACCOUNT ( inaccurate its closed and in collections so how is it opened ) Status updated XX/XX/XXXX Comments PLACED FOR COLLECTION This is an accurate and immediately should and must be removed not only is it reporting in accurately in its facts but it is fraudulent and not mine. 

XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA 0 % PAID OFF BALANCE {$910.00} Original balance {$910.00} ACCOUNT NUMBER XXXX DATE OPENE XX/XX/XXXX Account TYPE OPEN ( once again how is a collection account stated as open ) It is fraudulent not mine. Yes, I have reached out to the company this immediately needs removedd. 

XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX  BALANCE {$540.00} Original balance {$540.00} Account number XXXX DATE OPENED XX/XX/XXXX ( XXXX ) Account type ( open ) also wrong inaccurate and faulty how is a collection account opened I have made several attempts to remind these companies of their duties pursuant to 15USC 1681 and it appears they are intentionally and willfully being neglectful in remedying my affairs XXXX. Proper time frame. 15 USC1681 E ( B ) assures that I am due promised accuracy in my reports based on federal law. 

So, for the last time, I am reaching out to XXXX, XXXX, and XXXX as well as these potential fraudulent and negative companies, and have gotten nowhere. I am in process of writing, each credit bureau, a letter notified and proof of my identity, as well as a copy of this report and a copy of my federal trade commission identity theft report. I have not been provided with any applications with my signatures. Any correspondence that proves that this was me as well as can approve my home address and physical placement at that current time. In a span of 2 to 3 years my identity was stolen and numerous accounts were opened up without proving who they were doing business with, and without my knowledge or OK. I want this immediately handled and I want XXXX XXXX XXXX and XXXX as well as every company in here notified and I want the original creditors notified as well who still have not gotten back to me and have no recollection of my information with them. I will continue to fight until this is off of my credit report. Not only is it being reported in accurately on the reports But it is not ethical and is illegal and against my fair regulatory and credit reporting laws. Ive reached out to these companies numerous times.

Company response to consumer: Closed with explanation