Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7967916
Complaint Overview
Complaint ID: 7967916
Company: Capital One Financial Corporation
Product: Credit reporting 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: North Carolina
ZIP Code: 28328
Date Received: 2023-12-07T12:00:00-05:00
Date Sent to Company: 2023-12-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from capital one today. I have no applied for a capital one credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank Capital One. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from capital one or anything. I do not have any accounts with capital one and I have never applied for a capital one card.
Frequently Asked Questions
What is Complaint #7967916 about?
Complaint #7967916 was filed against Capital One Financial Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-12-07T12:00:00-05:00.
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 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.