Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted many complaints for Bank of America but my I actually had someone reach out to me with my last CFPB complaint. XXXX XXXX form Bank of America attempted to contact me but decided to call and leave a message on someone else 's cell phone disclosing my personal and private information. I will be looking to add this into my lawsuit for damages awarded to me by many state and federal consumer laws. XXXX XXXX also went as far to say on a recorded line and in a written response to a CFPB complaint that he acknowledges that Bank of America does not have anything with a signature or anything else identifying me and tying this account to my name. He admitted with 100 % certainty that the application for this credit card was done online. I would like Bank of America to send me the original form used to get this account an if they can not provide that they are breaking the law. I would like to know who XXXX XXXX contacted and their contact information. He has already admitted this was supposedly an online application, so I want Bank of America to provide me this online document or verification method that was used to tie me to this debt and this account. I will sue Bank of America for continuously breaking the law and I have every dispute, every response ( aside from times where Bank of America felt they do not have to respond to me or they think they can simply send me bogus statements as a " contract '' that ties me to this account ), every letter, every email, and every single collection agency they sold this account to, to provide in court and get the substantial damages owed to me as a result of federal and state laws. I have almost 2 years of documentation that I would love to present in court. They also did not respond in the 30 days set out in the law. XXXX XXXX was 100 % sure this account was signed up for online, so according to the FCRA I request to have everything sent over to me as I have done for almost 2 years and Bank of America refuses to remove this account. XXXX XXXX also told me that none of my other disputes mattered and that it was alright for Bank of America to age this account, because it was in the past and was not reflecting on my current report, even though I sent over countless reports and letters showing Bank of America re-aging this account. I would like to know where XXXX XXXX got the number he called and left a message for me on. As I said he violated privacy laws leaving a message discussing everything I talked about in the CFPB complaint. XXXX XXXX also tried his hardest to tell me that because he sent out some account statements, this account was being reported correctly. 

Attached in this complaint is the past complaint showing multiple credit reports that shows Bank of America re-aged this account on my report. This shows only some of the letters I sent. It also shows where XXXX did an investigation and deleted the account because the information could not be verified and it was not accurate.

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