Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5933757
Complaint Overview
Complaint ID: 5933757
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30238
Date Received: 2022-08-30T12:00:00-05:00
Date Sent to Company: 2022-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reached out to CapitalOne last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, Capital One Claims, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to XXXX XXXX while it was still in dispute status. I am documenting this complaint as a record both to Capital One Bank and XXXX XXXX that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither Capital One nor XXXX have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
Frequently Asked Questions
What is Complaint #5933757 about?
Complaint #5933757 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-08-30T12:00:00-05:00.
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.