Consumer complaint received 2018-11-02
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: Account information incorrect

Complaint:
This letter is to inform you that I am requesting verification of this debt or any subsequent debt naming BANK OF AMERICA/XXXX XXXX ; In fact, I am emphatically demanding that you provide full disclosure including the information listed below to satisfy my verification requirements. 
A certified copy of the original contract that BANK OF AMERICA has with XXXX XXXX. 
A certified copy of the contract between BANK OF AMERICA. and XXXX XXXX demonstrating the purchase of the alleged debt including any and all costs related thereto. 
Certified copies of all records and a full accounting of the account referenced in your letter as ACCT. # XXXX including but not limited to all records from BANK OF AMERICA . ( being the orig creditor ) demonstrating that a valid debt exists. 
Certified copies of all business licenses including licenses required by the STATE OF FLORIDA to conduct business in FLORIDA. 
A complete list of all officers of BANK OF AMERICA with  complete contact information including, but not limited to, full name, title, direct mailing address, direct phone number ( s ), fax number ( s ) and email address. Providing a link to a website is not acceptable. 
An affidavit signed Under Penalty of Perjury that BANK OF AMERICA or any agent ( s ) acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 
Certified copy of all Public Hazard Bond ( s ) and/or Liability Insurance Policy ( s ) and accounting demonstrating financial capability of BANK OF AMERICA This is an attempt to bring an action in court. Anything said or written will be used against you. 
VALIDATION DEMAND Proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. 
Prove that BANK OF AMERICA is the creditor of this purported debt. 
This completed DEBT COLLECTOR DISCLOSURE STATEMENT, which if ignored and which by not completing, prohibits you from further collection or contacting me. You have now been subject to {$1000.00} violation, and per RICO statutes, tenfold that amount which is {$10000.00}.

Unless you provide the information listed above within ten ( 10 ) days after receiving this letter, this debt will be deemed invalid and further collection attempts will be considered a criminal activity attempting to extort monies. A criminal complaint may be filed against BANK OF AMERICA with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. 
To further substantiate the claim that BANK OF AMERICA may have, do not hesitate to provide the information requested within the time frame allotted to settle this matter as quickly as possible. You may contact me only when providing the required information listed above ; Any other communication attempts will be considered to be further attempts to criminally extort monies and will be reported accordingly. Please note that in the event of any legal action you will be required to provide the original ( s ) of all documents which include wet ink signature ( s ) at any hearing ( s ) commencing from these  communications ( or lack thereof ). Also note, that selling ( or otherwise transferring ) this account [ debt collection attempt ] prior to validation may constitute fraud and may result in a federal criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing BANK OF AMERICA as conspirator. 
Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal. 
Silence is acquiescence. Acquiescence is estoppels. 
Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED cc : BANK OF AMERICA ( orig creditor ) file

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