Consumer complaint received 2018-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 

At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the XXXX of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part ofXX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however XXXX absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. 

They have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the accounts that were fraudulent to them and were needing to be blocked back in XX/XX/XXXXof this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 )  ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX  of this year when I tried to get added as a signor to my business partners existing checking account. 

After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. 

Please help me. This is causing me numerous problems.

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