Consumer complaint received 2022-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like this removed from my credit under these consumer laws Section 604 U.S. Code 1681B Which states Section 604 ( a ) of the FCRA identifies a limited set of permissible purposes for which a consumer reporting company may provide a consumer report to a user. [ 18 ] The XXXX is aware that some consumer reporting agencies use insufficient identifiers in matching procedures, such as name-only matching, which can result in the provision of consumer reports to persons without a permissible purpose to receive them. The permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ), including for purposes related to credit, employment, insurance, and rental housing. Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has XXXX of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request. The XXXX interprets the permissible purposes in FCRA section 604 ( a ) ( 3 ) to apply only with respect to the consumer who is the subject of the user 's request. 


As well as Section 605 A 15 US Code 1681 C-1 Which states ( a ) One-call fraud alerts ( XXXX ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a con- sumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any XXXX XXXX generated in using that file, for a period of not less than 90 days, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the iden- tity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies de- scribed in section 1681a ( p ) of this title, in ac- cordance with procedures developed under section 1681s ( f ) of this title.

As well as Section 605 B US Code 1681 C-2 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the in- formation is not information relating to any transaction by the consumer. 

Thank you Signed XXXX XXXX

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