Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7231564
Complaint Overview
Complaint ID: 7231564
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: Texas
ZIP Code: 774XX
Date Received: 2023-07-10T12:00:00-05:00
Date Sent to Company: 2023-07-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : XXXX XXXX Capital One for Incorrect Credit Bureau Reporting accounts 1 ) acoount XXXX : XXXX XX/XX/XXXX XXXX ) Inquiries : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting of an account to the credit bureaus that does not belong to me. I have recently reviewed my credit report and discovered an account listed under my name, which I have never opened or authorized. Despite numerous attempts to contact Capital One and rectify this error, I have not received a satisfactory response or any action taken to correct the inaccurate information. This incorrect reporting has had a detrimental impact on my credit score and overall financial standing. I kindly request the Federal Trade Commission to investigate this matter thoroughly, intervene on my behalf, and ensure that Capital One rectifies this error promptly. Additionally, I urge you to take appropriate measures to prevent such erroneous reporting from recurring in the future and to hold Capital One accountable for their actions. the only account that i have with capital one/saks its XXXX XX/XX/XXXX AND THE REASONS i applied for it just to get my employee discount because i was working for saks fifth avenue. Enclosed with this complaint, please find copies of my credit report highlighting the disputed account, as well as any relevant correspondence I have had with Capital One regarding this issue. I appreciate your attention to this matter and hope for a swift resolution. Please feel free to contact me if you require any further information or documentation. Thank you for your assistance in addressing this matter. Sincerely, [ XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7231564 about?
Complaint #7231564 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 2023-07-10T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.