Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5808879
Complaint Overview
Complaint ID: 5808879
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: Reporting company used your report improperly
State: Arizona
ZIP Code: 85142
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've tried to reach out to Capital One to settle this concern I had and they really couldn't help I asked Capital One to prove me with an SSA-3288 to show that i gave them actual consent to report or put anything on my consumer report even if they're process is online or not, they should still be able to provide me with a consent form, according to 15 US Code 1681a ( 2 ) ( Exclusions ) Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person-Any individual partnership, Corporation, Trust, estate, cooperative association government or governmental subdivision or agency, or other entity. Experiences & Transactions- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Just to name the different things i found that XXXX XXXX clearly didn't care to read when they continuously violate my rights. 15 US Code 1692 of the FDCPA is another violation that Capital One decided to violate because I asked them for Validation and its unlawful to submit information that was submitted by the furnisher to validate that debt but instead of conducting interviews with loved ones, neighbors, friends, like the cops would or the FBI would, They just went ahead and Just sent me a computerized Validation and didn't even take the proper steps to inform me when they was going to start the investigation. According to 15 US Code 1681 ( n ) Civil Liability of willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Frequently Asked Questions
What is Complaint #5808879 about?
Complaint #5808879 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.