Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nDear Customer service agent,\n\nI am filing a formal complaint regarding fraudulent accounts that have been opened in my name and are negatively impacting my credit report. My personal information was compromised, and I have already communicated with all affected financial institutions to address this issue. Despite these efforts, I have not received the necessary validation or confirmation of account removals, and my credit report still reflects these fraudulent accounts.\n\nThis situation violates several provisions of the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Credit Repair Organizations Act (CROA). I request your intervention to resolve this matter and ensure that these fraudulent accounts are removed from my credit report. Below are the details of the fraudulent accounts in question:\n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Fraudulent activity; my information was compromised, and this account was opened without my consent.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Fraudulent activity; my information was compromised, and this account was opened without my consent.\n\n3. Kikoff\nAccount Number: XXXX XXXX XXXXnIssue: Fraudulent activity; my information was compromised, and this account was opened without my consent.\n\n4. Kikoff Lend\nAccount Number: XXXXnDate Opened: XXXX\nIssue: Fraudulent activity; my information was compromised, and this account was opened without my consent.\n\nRelevant Laws & Penalties:\n\nFair Debt Collection Practices Act (FDCPA) [15 U.S.C.  1692 et seq.]:\nThe FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. I am requesting verification of the debt for each of the accounts listed above. Under the FDCPA, I have the right to dispute debts and request validation. These accounts were opened fraudulently, and I believe the debt collectors or financial institutions involved have failed to meet their obligations to properly validate these debts.\n\nFair Credit Reporting Act (FCRA) [15 U.S.C.  1681 et seq.]:\nThe FCRA requires that credit reporting agencies maintain accurate and complete information in consumer credit reports. Fraudulent accounts should not be reported under my name, and I am requesting that these accounts be immediately removed from my credit report.\n\nIdentity Theft and Credit Reporting (15 U.S.C.  1681c-2):\nI have already reported the identity theft to the appropriate institutions, including filing a report with the Federal Trade Commission (FTC). As per 15 U.S.C.  1681c-2, I am entitled to request the removal of fraudulent accounts from my credit report once the fraud has been verified.\n\nPenalties for Non-compliance:\nFailure to remove fraudulent accounts or report inaccurate information violates the FCRA, and I may be entitled to file a private right of action under 15 U.S.C.  1681n for damages resulting from the inaccurate reporting of information. Penalties can include actual damages, punitive damages, and statutory damages up to $1,000 per violation, in addition to court costs and attorney fees.\n\nAction Requested:\nImmediate investigation and removal of all fraudulent accounts listed above from my credit report.\n\nA formal response outlining the results of your investigation and corrective actions taken.\n\nThe cessation of any collection activities related to these fraudulent accounts.\n\nA confirmation of compliance with all relevant laws, including the FCRA, FDCPA, and FTC guidelines.\n\nSupporting Documentation:\nI have filed an Identity Theft Report with the Federal Trade Commission (FTC).\n\nI have contacted all relevant financial institutions to dispute these fraudulent accounts and provided them with the necessary documentation.\n\nI will attach copies of my credit report highlighting the fraudulent accounts for your reference.\n\nI trust that the CFPB will ensure these fraudulent accounts are investigated and removed promptly. The continued reporting of these fraudulent accounts is causing significant harm to my creditworthiness and personal finances, and I urge you to expedite the investigation and resolution of this matter.\n\nThank you for your immediate attention to this complaint. I look forward to your response and swift resolution of this issue.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation