Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5636427
Complaint Overview
Complaint ID: 5636427
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: California
ZIP Code: 912XX
Date Received: 2022-06-05T12:00:00-05:00
Date Sent to Company: 2022-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Now its the third week when I am traveling, I am out of the US, and will be for the following month. So today I opened my email and saw dozens of emails from XXXX XXXX and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from CAPITAL ONE AUTO FINANCE and the second one from XXXX XXXX XXXX ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. I assume that its an identity thief trying to get as much as he can.
Frequently Asked Questions
What is Complaint #5636427 about?
Complaint #5636427 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 2022-06-05T12:00:00-05:00.
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.