Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8232474
Complaint Overview
Complaint ID: 8232474
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: Reporting company used your report improperly
State: New York
ZIP Code: 11236
Date Received: 2024-01-26T12:00:00-05:00
Date Sent to Company: 2024-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Frequently Asked Questions
What is Complaint #8232474 about?
Complaint #8232474 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 2024-01-26T12:00:00-05:00.
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 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.