Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to unsatisfactory resolve, to date, I am escalating this matter to the USA Government consumer protection. I am disputing the information viewed on the copy of the my free credit report outlined herein. I received, a free credit report, a report granted for the purpose of checking in-accuracies. 

After review of my credit file I herby dispute : 1 ) My name, address, is not, nor ever has been XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX, or XXXX XXXX XXXX, XXXX XXXX, CA XXXX - Address id # XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX - Address ID # XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX ( this address is zoned commercial and non residential on a XXXX address search ), or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address ID # XXXX, or XXXX XXXX XXXX XXXX XXXX, CA, XXXX Address Id # XXXX. In addition the Addresses in the notices section of the report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX is un-failure to me and is an address I have not been connected with, I dispute the accuracy of listed addresses and request all referenced address. I formerly advise its not accurate. 

I have attached a copy of my current CA drivers license and residence of over 5 years. Please investigate these matters, and delete the disputed items as soon as possible. This complaint is a request for validation of the above, pursuant to 15 U.S.C. 1692g ( b ). 

This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute 15 U.S.C. 1692g ( b ). As my address is more than 5 years and California statute of limitations 3 years, additionally provide to me proof that the statute of limitations has not expired for the purposes of either legal enforcement or continued credit reporting. 


2 ). Account information. XXXX XXXX XXXX XXXX Account Number XXXX, has an incorrect date of first delinquency, additionally XXXX XXXX XXXX the original creditor appear to have sold the Alleged debt, claim of {$2500.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the same incorrect date of the delinquency and creating a false expiration date on record, for my personal credit file of XX/XX/XXXX by the reporting of wrong information. The creditors tradeline - - XXXX XXXX XXXX, also fails to note that the alleged debt {$2500.00} was assigned to collections or charged off. This makes it look like I have two delinquent accounts - the original one, and the one ( for the same debt ) that is being reported by the collection agency or debt buyer. Under the fair credit reporting act, It's got to be accurate OR its go to be deleted. Under the fair credit reporting act, as neither account is accurate, and information on file has not got the correct dates or accurate debt amount being reported, I formerly request deleted. 

XXXX XXXX XXXX, a company I am not at all aware of, nor have I done any business with, has gone ahead and pulled and unauthorized HARD credit pull on my credit file XX/XX/XXXX. This too is unlawful use of my SSN and information under fair credit act. I herby demand the record expunged and if the request is not met I formerly request an investigation of the companies XXXX XXXX XXXX and XXXX XXXX In for ethics and fair credit compliance required of a company under Securities commission regulations. 

3 ) XXXX XXXX Account Number XXXX XXXX. Firstly XXXX has placed multiple calls to my California cell without consent. This in breach of California consumer credit debt collection laws. Additionally, XXXX has incorrect date of first delinquency, and the file is reporting only the date it was charged off. I dispute the accuracy the file is not reporting accurate information, I request XXXX   remove this inaccurate information and expunge the file from record. Should the Cell call logs, and call records be required, I can have my representative send them to XXXX. The Fair credit reporting act does not require me to prove the mistakes of XXXX, rather it demands reporting of accurate information, dates and event. If its not accurate, its got to go. Please investigate these matters, and delete the disputed items as soon as possible. 

3 ) BOA  file number XXXX. I have received in mail a settlement offer of {$5000.00} as part of a BOA class action settlement now for BOA charging fees. I have not accepted the offer from court, in order to preserve my rights to a remedy and larger settlement, if unresolved. BOA is perceived by myself and my attorneys to be in violation of a number of ethics including calling my personal California cell using automated dial up process to collect a set, and reporting inaccurate dates and information. I have been through grief with BOA. Through soul-searching I have come to the conclusion -- I just want to be left alone by BOA and will not per-sue settlement and damages in exchange for a make right remedy. Make right remedy is to remove the inaccurate information of the charge off account including the dates and amounts. The date alleged delinquency does not match the date i disagreed with the obligation to pay, under the circumstances and conditions at the time. My dispute to BOA and questioning of the legitimacy of the action to suspend my card, for missing a payment by just a few days resulted in nothing but verbal threats from BOA to report nonpayment on credit. BOA threatened to Harm my credit if I did not just agree with their decision to close the card for one to two days late payment, and continue to pay. BOA provided me no recourse for their BULLY strategy and totalitarian dictatorship as to the terms. Have BOA not misconducted itself under SOX and ethical practices guidelines required of a public company, and had BOA refrained from threats to me, at the time, the card could have been agreed to be paid. BOA continued to assess me fees, and then more fees, and unethical practices under Sarbarnes Oxley act ( SOX ) the public company simply claimed their actions as " protocol '' and " policy '' and continued to charge a person who's account they closed more fees on fees. BOA made good on their promise to Harm me, if I did not pay. I demand the Bank expunge of this from my credit, or the Government and SEC investigate the bank and their acts against customers. The inaccurate amounts of debt being alleged as owed by BOA is not accurate as it includes fees wrongly assed NOW in XXXX has been agreed by Judges and ruled by court in class action lawsuit I was offered XXXX XXXX settlement. Inaccuracy of reported dates, the discharge and record need to be expunged as the reported file lacks valid basis. 

4 ) XXXX XXXX Credit Card. has an incorrect date of first delinquency. Once again, XXXX  XXXX, another credit card is reporting inaccurate information. XXXX   XXXX in collecting of the alleged debt called my California Based Cell in violation of California cell regulations and debt collection practices. As inaccurate dates and time line of exactly when first delinquency the date the file is to remain on my credit until is inaccurate too. If its not accurate, its got to go. 

XXXX ) XXXX XXXX XXXX XXXX - - Unauthorized credit pull. Under securities commission ethics and guidelines and the SOX acts, a company can not at will go ahead and HARD pull the credit file of an civilian or existing customer or creditor without consent. I did not authorize any hard pull of my credit file. Additionally, if the reason for credit pull was an attempt to collect a debt the obligation under Fair credit act is to Soft Pull credit of the existing customer or creditor in default. XXXX XXXX XXXX XXXX - - Hard Inquired on my credit file XX/XX/XXXX for 'unspecified reason '. This is to be deleted. 



Additionally, as referenced - this complaint with the USA GOVERNMENT - - CFPB is a request for validation of the above account ( s ) pursuant to 15 U.S.C. 1692g ( b ). 

This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute. Please provide me with the following : - An explanation of what the amount owed is for and how it was incurred, and - An explanation of how this amount was calculated, and - Copies of any documents that show I agreed to pay this amount, and - A verification or copy.

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