Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5372534
Complaint Overview
Complaint ID: 5372534
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Georgia
ZIP Code: 30017
Date Received: 2022-03-27T12:00:00-05:00
Date Sent to Company: 2022-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. Capital One XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Frequently Asked Questions
What is Complaint #5372534 about?
Complaint #5372534 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-03-27T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.