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Reporting company used your report improperly. I've tried to reach out to Capital One to settle this concern I had and they really couldn't help I asked Capital One to prove me with an SSA-3288 to show that i gave them actual consent to report or put anything on my consumer report even if they're process is online or not, they should still be able to provide me with a consent form, according to 15 US Code 1681a ( 2 ) ( Exclusions ) Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person-Any individual partnership, Corporation, Trust, estate, cooperative association government or governmental subdivision or agency, or other entity. Experie