Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX needs to stop all monitoring and reporting done on me, they have single handily destroyed my ability to access financial institutions and bank in comfort. Ever since my identity was stolen due to XXXX having a major breach I am just now realizing the true damage its done and the tens of thousands of dollars its cost me and I cant even open a checking account, or get a credit card increase with a bank Ive been a customer of for 8 years. The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX. Secondly, Bank of America has blatantly disregarded my attempts to get any information on the accounts that they claim I held, and this account was opened up in Texas, another bank that has told me they have had me as a customer is XXXX and the only way Im finding this out is because Im going to apply for these vents for the first time because I am now a business owner and I need national banks that provide 100 % autonomy and accessibility But everywhere I go. There is an account in my name that I know nothing about and its somehow strange that all of the accounts were opened up in states nowhere near where I live I have repeatedly asked these financial institutions for my physical presence inside of a branch or even my own personal signature in ink not something digitized, but my actual signature, no one has even been able to show me a picture of my ID but accounts were allowed to be opened up in my name credit cards all types of false and fraudulent loans and here I am in 2023 paying off {$300.00} collections for credit cards that I didnt even know Existed like XXXX. What the XXXX is that like the XXXX XXXX XXXX I have never heard of that thing in my life, but I victim of a massive breach from a consumer reporting agency is being portrayed only because the banks are reporting me as someone who is not responsible, and may be a huge risk to a financial institution, which intern Only handicaps me and doesnt allow me the fair opportunity to bank with anyone producing a unreal foreshadowing of what you should expect I have paid over {$20000.00} to clear up my debt and remove the collections from my credit report and somehow a man that has done nothing wrong in myself Still can not find any type of positive response, at XXXX XXXX XXXX theres no reason why I should have to put my faith in XXXX XXXX, which is a digital bank and not of great history and reputation. I have only had two bank accounts, my entire life that was XXXX XXXX XXXX which Ive been a member for for 26 years and more recently XXXX XXXX XXXX, I need the banks that I listed to go back do some research and realize and think to themselves why would a kid go all the way to the state of Texas to open up a Bank of America account or why would that same person go all the way to XXXX Arizona to open up a XXXX  account dont even get me started on XXXX XXXX because I have never even received a piece of mail from them. All of these accounts were billing addresses that have nothing to do with me places Ive never lived the credit bureau had my Social Security number wrong and my name spelled incorrectly for almost 6 years, and only when I wanted to start a business, because I never needed credit never relied on it. Ive been fortunate enough to live a life comfortably and not need to take out a {$300.00} credit card simply due to the fact Ive had over {$20000.00} in liquid assets since I XXXX XXXX XXXX, I paid off all of my unknown collections. Im still working with a bank because I refuse to pay one of these loans that were fraudulently opened up in my name because Ive had enough and early warning systems is not doing anything to help. They literally are the same company that almost prevented me from being able to rent my new apartment, why was that because the property staff immediately realized that all of the information that XXXX XXXX XXXX was reporting was absolutely false and incorrect for XXXX XXXXXXXX XXXX XXXX Social Security number was wrong with XXXX. XXXX has phone numbers and addresses attached to my name that Ive never even thought about, XXXX is the same bureau that couldnt even get my name spelled correctly on their credit profile, which has caused me to be declined from many opportunities to obtain lines of credit that were true and not fraudulent. XXXX very upset, and I cant continue to act as if this is XXXX Ive tried. Ive begged. Ive asked, but no one is doing anything to help me, no one is reaching out to ask questions. No one is even giving me a second to explain what has happened theres no reason why I shouldnt be able to get a credit card increase with the same XXXX bank. Ive been banking with for eight years XXXX XXXX is where I will end the only reason I still have a card with them is because Ive held on faith and have tried to think about the possibility of bettering my credit which only will happen if I keep elongating my credit profiles history, which is now at XXXX years XXXX XXXX yes, ever since I was able Ive been with XXXX XXXXXXXX I just want to be fairly treated and honestly I want to be repaid because every collection agency Ive went to cant give me any physical or definitive proof that I open that account. What XXXX did they just not have a breach in their system. XXXX is breach calls me to lose access to my email I lost all of my XXXX money and more than {$20000.00} in debt that I had to pay off. Heres how you can tell if I have done anything with the bank after I graduated I spent days practicing my permanent signature and ever since then I only signed my name in full, including the first middle, and last there has not been one account that has been thrown in my face that can be definitively proven as mine whenever I sign my name XXXX XXXX XXXX the full name any other signature is false. if you do not see a definitive XXXX in the middle that is not me I sign my name in a particular way. Please help me, im so glad I started a business early and did not find out what was going on years later and all in with this do you all not know how exhausting it is to have to pay for every credit bureau, subscription service and more just so I could have peace at night but every time I get an update or notification my XXXX drops because I think somXXXX XXXX  loan that opened up in XXXX XXXXXXXX is going to flash across my screen and XXXX going to have to pay it again. Ive XXXX near went broke paying back collections that were not mine, XXXX Bank of America, XXXX XXXX, XXXXXXXX XXXX. I have never bank with you in the lightbulb click today after I applied for XXXX XXXX and they overfed me immediately that I need to visit the Branch, please understand I am not angry I am not furious. I am tired. I just need some actual help and I need my fraudulent slate to be wiped clean because I am just a victim of XXXX breach.

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