Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, sent BANK OF AMERICA a affidavit of truth notarized via certified mail, return receipt. BANK OF AMERICA received and signed for said document on XX/XX/2022. I advised BANK OF AMERICA they were furnishing a 3rd party consumer reporting agency without my written consent pursuant to 15 U.S.C 6802 ( b ) ( 1 ) ( c ), the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, was never disclosed this information nor was I given the opportunity to opt out of such activities. I also made BANK OF AMERICA aware without proper documentation supporting their claim to what happened in my account, they were obligated by law to not willingly and knowingly furnish deceptive forms pursuant 15 U.S.C 1611. I requested BANK OF AMERICA to provide me with a money audit paper trail pursuant to 12 U.S.C 5562 ( c ) ( 10 ). I explained to them without proper documentation BANK OF AMERICA shall not report details defaming me in any way. I requested BANK OF AMERICA to provide me with exhibits showing how my account had alleged abuse and they informed me they did not have such documents to support that claim via phone on XX/XX/2022 with number ( XXXX ) XXXX. I also advised BANK OF AMERICA any activity they can not verified shall not be furnished to any third party consumer agencies ; and they also did not have my written consent to do so. I made it abundantly clear I did not want my information shared in anyway via phone on XX/XX/2022 with number ( XXXX ) XXXX. BANK OF AMERICA was given 15 calendar days to perform which they contractually agreed pursuant the " Postal rule ''. BANK OF AMERICA did not respond nor perform for my affidavit of truth received by them XX/XX/2022. BANK OF AMERICA continue to violate my consumer rights, I provided them with written instructions ; and expressed to them orally via phone on XX/XX/2022 with number ( XXXX ) XXXX, that I do not consent to my personal information being furnished to any third party consumer reporting agencies. I also made BANK OF AMERICA aware my consumer report shall have my transactions and experiences with them excluded from any consumer report pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ). 15 U.S.C 1681a states " ( 2 ) Exclusions.- EXCEPT as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' BANK OF AMERICA continue to neglect their obligations to federal statues and laws. BANK OF AMERICA continue to defame me and violate me in ways unimaginable. I have been hurt tremendously and suffer dearly. I have attempted to resolve this matter in good faith so be it. I enforce my rights to have BANK OF AMERICA held liable for these inaccurate and unfair credit practices.

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