Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Attn : Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Acct # XXXX, and XXXX Capital One is knowingly reporting a fraudulent, identity-theft account and refuses to comply with the most basic requirements of the Fair Credit Reporting Act. Their actions constitute willful disregard for federal law and reckless furnishing of inaccurate information.

I did NOT open this account, authorize it, sign for it, or benefit from it in any way. After discovering this fraudulent account on my credit report, I immediately provided Capital One with : A police report for identity theft A government-issued ID An FTC Identity Theft Affidavit Proof of address A written dispute under FCRA 1681s-2 Clear evidence the account information does not match me Despite this, Capital One continues to verify and furnish this account as mineknowingly reporting false information, which is illegal under multiple FCRA provisions.

Capital Ones Actions Constitute Clear, Willful FCRA Violations 1. VIOLATION OF 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may NOT report information they know or should know is inaccurate.

Capital One has been put on notice MULTIPLE TIMES that this is identity theft, yet they continue reporting this account.

2. VIOLATION OF 15 U.S.C. 1681s-2 ( b ) After receiving my dispute, Capital One was legally required to : Conduct a reasonable investigation Review all information I submitted Correct or DELETE unverifiable information Instead, they effectively rubber-stamped their own inaccurate data and verified a fraudulent account. 

3. VIOLATION OF 15 U.S.C. 1681c-2 This statute requires furnishers to BLOCK all information resulting from identity theft once provided with : A police report Proof of identity A written statement Capital One received all required documentation but REFUSES to block or delete the fraudulent account. 

This is not a mistakethis is an intentional refusal to comply with federal law. 

Case Law Violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Investigations can not be superficial or automated. Furnishers must conduct a REAL investigation.

Capital One clearly failed this requirement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers must review ALL materials submitted by the consumer. 
Capital One ignored evidence of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If information is inaccurate or unverifiable, a furnisher MUST delete or correct it. 
Capital One continues reporting unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Willful violations include reckless disregard for the law. 
Capital Ones conduct meets the definition of willful non-compliance.

Capital Ones Conduct Appears Systemic and Intentional Capital One has : Ignored all evidence submitted Continued to report fraudulent information Verified a false account without investigation Refused to comply with identity theft blocking laws Allowed fraudulent data to damage my credit profile This is not a mere oversightthis is systemic negligence and a deliberate violation of consumer protection laws. 

Requested Enforcement Action by CFPB I am requesting that the CFPB : Compel Capital One to permanently delete this fraudulent account from all credit bureaus XXXX XXXX XXXX XXXX XXXX 

Require Capital One to provide detailed documentation they claim ties me to this account ( application, IP address logs, device IDs, signatures, fraud review reports ). 

Force Capital One to correct their procedures for handling identity theft disputes.

Require Capital One to acknowledge in writing that they violated FCRA 1681s-2 ( a ), 1681s-2 ( b ), and 1681c-2 by continuing to report identity theft information.

Ensure Capital One ceases all internal and external collection efforts related to this identity theft account. 

Resolution I Am Seeking Full and permanent deletion of the fraudulent account from ALL credit reports and written confirmation from Capital One that they have complied with the FCRA and stopped furnishing identity-theft-related information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation