Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Unauthorized Accounts Identity Theft & Data Breach Victim To Whom It May Concern : I am formally disputing and demanding the immediate deletion and permanent blocking of all unauthorized and fraudulent accounts reported in my name. I am a documented victim of multiple large-scale data breaches, including : XXXX XXXX XXXX Exposed personal data of over XXXX XXXX users, including names, emails, phone numbers, and dates of birth. 

XXXX XXXX XXXX XXXX  # 1 Breaches Over XXXX XXXX records compromised, with XXXX XXXX unique emails and passwords exposed. 

XXXX XXXX XXXX XXXX Breaches More than XXXX XXXX accounts stolen, including personal data and contact information. 

Because my data was exposed in these massive breaches, unauthorized accounts have been opened and sold under my identity without consent.

Legal Authority You are bound by federal law to remove this fraudulent data : FCRA ( Fair Credit Reporting Act ) 1681i ( Reinvestigation of Disputed Information ) : You must investigate within 30 days and delete unverifiable accounts.

1681c-2 ( Section 605B Identity Theft Blocking ) : With proof of identity theft, you must block fraudulent information within 4 business days.

1681s-2 ( a ) : Furnishers can not knowingly report inaccurate information.

FDCPA ( Fair Debt Collection Practices Act ) 1692g ( Debt Validation ) : Debt collectors must provide full proof that the debt is valid and belongs to me. If they can not, they must cease collection and remove reporting.

1692e : It is illegal for debt collectors to misrepresent or attempt to collect unauthorized or fraudulent debts.

FACTA ( Fair and Accurate Credit Transactions Act ) Grants enhanced rights to victims of fraud, including fraud alerts, credit freezes, and additional free reports. 

FTC Consumer Protections Selling or re-selling fraudulent debt tied to identity theft constitutes an unfair and deceptive practice, actionable under federal law. 

Formal Demands Delete immediately all unauthorized and fraudulent accounts tied to identity theft and the above data breaches.

Block permanently any re-reporting of these fraudulent accounts under FCRA 605B.

Cease and desist from allowing any debt collector or third party to report, sell, or attempt to collect unauthorized debt. 

Provide me with a corrected copy of my credit report within 30 days. 

Notice of Legal Action Be advised : If you do not delete these unauthorized accounts immediately, I will proceed with the lawsuit that I already have prepared, seeking : Statutory damages under FCRA 616617 and FDCPA 813.

Actual damages for financial harm and emotional distress.

Attorneys fees and costs. 

Additional complaints filed with the FTC, CFPB, and Arkansas Attorney General. 

Enclosures ( as applicable ) : FTC Identity Theft Affidavit Police Report ( if filed ) Proof of Data Breach ( XXXX notice, etc. ) Copy of Government ID & Address Verification Respectfully, XXXX XXXX Victim of XXXX ( XXXX ), XXXX # XXXX ( XXXX ), and XXXX  ( XXXX XXXX Breaches

Company response to consumer: Closed with explanation