Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, 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

Complaint:
The following are my complaints to these companies that pulled my credit report without my knowledge and authorization : 1. Bank of America - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 
Tel # XXXX. I called this company and i was told to call the dealership that submitted my information to them, and XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX Tel. # XXXX, said they did not submit inquiries any other dates other than when i purchased a used car from them on XX/XX/XXXX. 

2. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX. Tel # XXXX. This is the same case as Bank of America, complaint # 2 they did not want to do anything to assist me and was told that it was submitted by the same dealership mention in # 1 XXXX XXXX XXXX. 

3. XXXXXXXX XXXX XXXX - Inquired XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Tel. # XXXX. I did not apply any credit card with XXXX XXXX XXXX on this date the credit card i have with XXXX XXXX was issued XXXX of XXXX. I called them but they're very rude and not willing to help. 

4. XXXX XXXX - Inquired XX/XX/XXXX. XXXX  XXXX XXXX XXXX XXXX, CA XXXX Tel. # XXXX. They said its Real Estate on behalf of XXXX XXXX. I did not apply for any real estate loan then or now and anytime soon. 

5. XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( no tel. number given ) This company I have called several times and have not and is not willing to take down this inquiry. They said that they receive an application through their website and i told them I did not apply for any auto loan with them because if i have to go through a bank i will go to my bank first, I had my XXXX XXXX XXXX at the time and did not My recent auto loan was XX/XX/XXXX. 

6. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. I have a XXXX XXXX XXXX credit card that has {$5000.00} credit limit and is locked, this inquiry is unauthorized. 

7. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Same company with complaint # 6 who ran my credit again twice on the same month. I already have my XXXX XXXX credit card that has a {$5000.00} limit on it that i don't even use. I had this credit card since XXXX. 

8. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Just like with my # 6-7 complaint, the same credit card company but with different XXXX XXXX number, in a matter of three months they ran my credit again for no reason. 

9. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. This company did not report that the auto loan has been fully paid in just three months that my husband and i made a purchased of used car, and it's still on my credit. 

10. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel. # XXXX. The same company as complaint # 9, they ran my credit two different times without authorization, and auto loan has been fully paid the same year, just in a matter of three months from purchasing one used vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation