Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9673957
Complaint Overview
Complaint ID: 9673957
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: Florida
ZIP Code: 33165
Date Received: 2024-07-31T12:00:00-05:00
Date Sent to Company: 2024-07-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received an email from Capital One stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. I have not applied for a new credit card. This is fraud. I attempted to open the decision letter from Capital One, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? Immediately, I went to my credit reports for XXXX, XXXX, and XXXX. The hard inquiry is listed on all three reports. I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Frequently Asked Questions
What is Complaint #9673957 about?
Complaint #9673957 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 2024-07-31T12:00:00-05:00.
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.