Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
602 [ 15 U.S.C. 1681 ] By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX I have not initiated any transaction with CAPITAL ONE CREDIT CARD. Furthermore, I do not have an CAPITAL ONE as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE for review or collection. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have the right to fair and accurate reporting, free from false or damaging information. 605 [ 15 U.S.C. 1681c ] Inaccurate, obsolete, or unverifiable accounts must not be reported. 605B [ 15 U.S.C. 1681c-2 ] I request this fraudulent account be blocked and deleted due to identity theft. 611 [ 15 U.S.C. 1681i ] I am disputing this account and demanding reinvestigation and correction within 30 days. 623 [ 15 U.S.C. 1681s-2 ] CAPITAL ONE, as the furnisher, must investigate and delete unverifiable or incorrect information. FACTA 315 Failure to verify identity or report accurate contact information is a violation, and any account opened under such circumstances is unlawful. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A and 15 USC 1681q. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following account/s CAPITAL ONE This agency is in violation of 15 USC 1692gb . This is an official dispute of this account. I demand the above account deleted from my consumer report - I would like this account removed immediately and my credit score immediately restored to its original state with no issues whatsoever. 1. 2. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation