Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5808520
Complaint Overview
Complaint ID: 5808520
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: Illinois
ZIP Code: XXXXX
Date Received: 2022-07-25T12:00:00-05:00
Date Sent to Company: 2022-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered that my credit score dropped as of XX/XX/XXXX because of an inquiry on my credit report. I did not authorize such a request, nor have I made any recent major purchases, etc. that would have triggered it. XXXX sent me an email today, XX/XX/XXXX with the following information : ===== Moments ago, someone requested access to your XXXX credit report. Access was denied because your report is locked. The requester has been identified as : CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX ====== I intend to contact Capital One for more information, but wanted to ensure CFPB was aware of this instance. Thank you for your help.
Frequently Asked Questions
What is Complaint #5808520 about?
Complaint #5808520 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 2022-07-25T12:00:00-05:00.
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.