- Report: #1010925
Complaint Review: Cap One - Salt Lake City Utah
Reported By:
androidacct98 -
Brooklyn, New York, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Cap One
P.O Box 30281 Salt Lake City, 84130 Utah, United States of America
Phone:
Web:
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Business Rating:
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Cap One Capital One Illegally/Unknowingly filed a credit inquiry of my credit history Salt Lake City, Utah
After just requesting a copy of my credit report from Experian, I noticed a credit inquiry placed last year around this time from this company, which I did not make. I am not sure how they obtained my social security information, but this is disconcerting to say the least. I have yet to review all three of my credit reports to see if there has been credit accounts illegally opened under my name, or other forms of credit fraud. Since the address for this company written on my credit report is a p.o box, and the name of the company is officially listed as CAP ONE,
I am not even sure if this is infact even the same Capital One (legit financial institution), or just a person(s) committing credit fraud under this known company's name (possibly someone who works there) as to go un detected. Just thought I would file this for information only until I can look further into the issue. All I know is, I did NOT inquire for any credit from Capital One in February of 2012 whatsoever. I will update upon any further information found on this issue. Thank you for reading.
I am not even sure if this is infact even the same Capital One (legit financial institution), or just a person(s) committing credit fraud under this known company's name (possibly someone who works there) as to go un detected. Just thought I would file this for information only until I can look further into the issue. All I know is, I did NOT inquire for any credit from Capital One in February of 2012 whatsoever. I will update upon any further information found on this issue. Thank you for reading.
5 Updates & Rebuttals
Robert
Irvine,California,
U.S.A.
Mea Culpa
#2Consumer Comment
Sat, February 09, 2013
mikemack4334..
I mistakenly thought you were the Original Poster who would have seen my comments..hence the comment that they didn't even read what I posted. So sorry about the "attitude". It was mis-directed and not aimed at you.
Mikemac4344
Webster,Massachusetts,
U.S.A.
Thanks...I feel much smarter now
#3Consumer Comment
Fri, February 08, 2013
I was trying to make a minor comment on the original poster. Your answer to his post wasn't yet on the site when I replied. Your answer was more thorough than mine and your taking the time to post is to be congratulated. That doesn't excuse insulting me for trying to help this guy. Jerk.
Robert
Irvine,California,
U.S.A.
Reading Comprehension..
#4Consumer Comment
Fri, February 08, 2013
If you are going to respond to a post..common courtesy says you should probably at least read what was written before you go off of the "deep end".
They use the results to offer you credit cards and, depending on the company, perhaps to try to lure you into refinancing your mortgage or whatever.
- YES they do..and if you had actually read what was posted you would realize this is a "Soft" Inquiry. That has zero effect on your credit as no one else sees it. It also is no indication of Identity Theft because your SSN is not used, and the creditors only get your Name/Address based on very broad specifications(such as if you have a Mortgage, do you have any delinquent accounts..etc).
Check with your state AG's office to see if you can restrict access to your credit reports but I think you'll find that you have very little rights.
- Again you don't need to check with your State AG's office and yes you have quite a lot of rights. All you have to do is go to the site I posted above. This is the site run by the Credit Reporting Agencies and is available to anyone. Once you request to Opt-Out they will no longer release your information to any of these types of inquiries.
Just in case you somehow missed the link before the site is called www.optoutprescreen.com. If the link gets redacted you can go to Opt Out PreScreen dot com, of course taking out all of the spaces and replacing dot with a period.
But I wonder if you are actually going to understand that this time, or come back and post going off of another tangent.
Mikemac4344
Webster,Massachusetts,
U.S.A.
Yes, it's Capital One and yes, it's wrong
#5Consumer Comment
Fri, February 08, 2013
Capital One and other financial institutions regularly run credit checks on millions of Americans via Eqifax. Experian and Trans Union. They use the results to offer you credit cards and, depending on the company, perhaps to try to lure you into refinancing your mortgage or whatever. Check with your state AG's office to see if you can restrict access to your credit reports but I think you'll find that you have very little rights. The most important thing you can do is to look at your credit reports once a year. You should spread them out (get one every 4 months instead of getting all 3 at once).
Robert
Irvine,California,
U.S.A.
Please...
#6Consumer Comment
Fri, February 08, 2013
Take a step back and look at what you are saying.
First of all Capital One has better things to do with their time than just put random inquiries on peoples credit report..You are not that important.
So with that said, do you even know what type of inquiry it is? Because there are two types a "Hard" and "Soft" inquiry. If it is a Soft Inquiry those inquiries are only seen by you, do not require approval of you as they only release very minimal information. These are for things such as the Credit Card offers you get in the mail. You can opt out of these inquiries by submitting a free request at www.optoutprescreen.com.
Now, if it was a "Hard" inquiry, that is a full inquiry where you are applying for credit. If you say it is not this and it is a "Hard" Inquiry, then it is either someone putting in the wrong SSN, or someone intentionally trying to open up a credit in your name. If you still suspect that someone used your SSN, then you need to immediately go to your local law enforcement agency and file an Identity Theft Report. With that report you can submit it to Experian(who will in turn submit it to the other Credit Reporting Agencies) and put a fraud alert on your SSN. What this means is that anytime an inquiry is received by them they will contact you to verify that you were in fact the one who made the request. If you didn't they will not respond to the inquiry.
There is one other legitimate possibility. Many "store" or private-label cards actually are managed by major banks. So if you applied at one of these companies, even though it may have been a "Store" card it would still be managed by Capital One.
