Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Your Name : XXXX XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX  XXXX Your Address:XXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX  XXXX Email Address : XXXX Phone Number:XXXX Date:XXXX  Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam, I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XXXX - Company Name : CAPITAL ONE - Inquiry Purpose : XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XXXX - Company Name : XXXX  - Inquiry Purpose : Miscellaneous and public record I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
XXXX. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
XXXX. The source of the inquiry. 
XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 
XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. XXXX. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely,

Company response to consumer: Closed with explanation