Consumer complaint received 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent Bank of America a letter of dispute via certified mail in which someone signed for on XXXX/XXXX/XXXX, asking for validation of the debt they are reporting on my credit reports. After waiting 30 calendar days for a response, I heard nothing. I then sent a second letter via certified mail which someone signed for. After waiting 30 days again, i still heard nothing. Bank of America was required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XXXX/XXXX/XXXX. This was not done and still has yet to be done to this day ( XXXX/XXXX/XXXX ). 

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

Finally, after a third attempt to have them validate the debt via certified mail, in which i stated i would seek legal action if i did n't receive a response, they sent me a reply stating i did n't give them enough information to verify the account. I gave them : My SSN My address My date of bith The account number they provided to the credit bureaus which was listed on my report The status of the account which they provided The amount supposedly charged off as bad debt. 

Please tell me how i gave them every piece of info they needed to identify me as well as identify the account but they cant seem to find me in their system. How are they able to report this account if they do n't have this information? 

They are reporting an address on the account in which i have never even lived at, they will not validate the account, and they will not provide me with ANY proof that the account is even mine or that i ever opened the account. I have never even did business with bank of America. Not to mention that the account was supposedly opened in XXXX and i was still in high school. I had no affiliation with any bank at this time, let alone Bank of America. 

They have violated : The Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) The Fair Credit Reporting Act ( including but not limited to Section 623-b ) The Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )  This is just to name a few. The erroneous account that they are reporting which is not even mine, is making it difficult for me to obtain credit. I want this account removed from my credit reports. 

FYI : in the step 5 of this complaint process, it asks for the billing address for the card in question and it is a mandatory field. The address associated with this card is not listed on my credit reports and i do not know the address associated with the card as i have never had this card so the billing address i entered is my current address. not the address associated with the card in question

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