Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : Bank of America Company Sold : XXXX XXXX Collector Account Type : Credit Card Date Opened : XXXX XXXX Closed Status : Charge-off Status Updated : XX/XX/2021 Credit Usage : 83 % Balance : {$2900.00} Balance Updated : XXXX XXXX Credit Limit XXXX {$3500.00} Monthly Payment : {$0.00} Past Due Amount : {$2900.00} Highest Balance : {$0.00} Terms : Revolving Information has been used for/by entities and have been furnished on my credit report that i have not authorized nor initiated.Results leading to my credit report being access globally without my consent. Per section 605 15 U.S. Code 1681 C-1 ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; That report i have not authorized no consumer reporting agency to do nor have i been contacted by any consumers reporting agency to have them consent to which is a violation of the United State Constitution and is illegal doing in the United states XXXX Also my birth date have been furnished on my credit report Per ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.I also havent Consent to having my birth day on my credit report which is again illegal doing and violation of the United States Constitution. I have tried numerous of times to contact and have the consumer reporting agency to fix/resolve and to stop doing these illegal matters and i have not been getting any results.My Credit reports has been tampered with without my consent and without my doing.The debt you see at the top of the screen is illegal doing because i have not consent with any consumer reporting agency of having this debt furnished on my credit report.I have been contacted numerous times by debit collector and third parties trying to collect money from me for the account above.Per the federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C 1692 and following ) contacting third parties about my debit is Illegal.I have tried reaching out to the collectors asking them to stop the harassment.They call at unusual time or inconvenient times like in morning before 8 am while im at work even when i try to tell them my work place prohibits me from receiving collections calls at work. Per 15 U.S. Code 1692g - Validation of debts i have sent debt validation letters that have not been validated.Again another violation by a debit collector resulting from unduly and illegal doing from consumer reporting agency. This Account has been charge-off which means the creditors have sold the debit and whoever has bought the debit i have not form no contract with them which makes any collections of this account VOID.

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