Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Ba nk of America and  requested FCRA required docs to report the account to the CRA 's and they have claimed to investigate and are claiming they are reporting accurately and in compliance to FCRA credit reporting laws. THIS IS UNTRUE AND ILLEGAL. The procedures to report ANY account have NOT been abided by or done in accordance to ALL credit reporting laws! See the letter I sent them and they continue to knowingly and willfully reporting ILLEGALLY.   I am making official writ notice to you today, even right now and right here in a civilly recognized certified declaration of composed challenge as I, in my rights to do such, compel or even adamantly demand for your requisite check to ensure you are performing complaint reporting, the compliance of what you are reporting and the compliance of how these allegations are being mysteriously reported by whom you transferred this certain injurious or even illegal damning allegations that are to date severely deficient of adequate proof to be fully all :  ( 1 ) true, ( 2 ) fully correct, ( 3 ) fully complete, ( 4 ) within federal timeliness, and ( 5 ) to be of my lawful ownership of responsibility ( 6 ) as well as in agreement to every and one even each any and or all of the mandates/ obligations/regulations/and laws of my state as well as any and all pertinent federal laws, whether noted here or not regardless of your willful disregard of or the ignorance thereof. This letter is in part due to possibly even an response to the likely infringing communications I received from a collector representing your agency very recently, beit a phone call/fax/mail or otherwise matters not since the requisite laws were not obliged   by.In this horrendous communication, your collector attempted, illegally mind you, to forcibly informed me that I insanely owed YOU an alleged debt ( see enclosed ). Upon reaching out to your collector in reply guardedly mind you, within my legal rights to do so, I questioned the collector regarding your rights to pursue this unproven and infringing accusation, I was stubbornly and overbearingly yet curtly informed that YOUR FIRM 'S policy DID NOT permit any validation of the information regarding this or any alleged debt and it was your firm 's policy to NOT provide detailed account records to ANY debtor.I AM IN MY RIGHTS TO ABSOLUTELY REQUEST THAT YOU PLEASE VERIFY AND VALIDATE PHYSICALLY EVERY AND  ONE E VEN EACH ANY AND OR ALL OF THE CLAIMS OF THIS ALLEGED YET UNPROVEN TO BE MY RESPONSIBILITY OR FAULT.DEMONSTRATE READILY AND TIMELY THE PRECISE CONFIRMING FACTS OF THE ALLEGED ACCOUNT INCLUDING EVERY SING LE ONE EVEN EACH ANY AND OR ALL OF ITS ARTICLE ASPECTS.BY FEDERAL LAWS, YOU MUST WILLFULLY AND PROMPTLY DELETE TODAY EVEN RIGHT NOW THIS DEFICIENT REPORTING OR ELSE PRESENT TO ME TRUE DOCUMENTED CERTIFICATE PROOF OF ALL DATA, EVERY NOTATION, DATE, BALANCE, CALCULATION, AUDIT, PERSONAL IDENTIFIER, EACH OF THE REQUISITE 426-CHARACTERS OF THE EXACT AND FULLY COMPLIANT P6 STATEMENT, ANY ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODE DECIDING THE LEFTNESS OR RIGHTNESS STATES, AND EVEN EVERY ASPECT OF THE MANDATED 386  PIECES OF CONFIRMATION TO COLLECTION.   I have clearly indicated or even demanded to correspond to someone with appropriate authority, should it be a phone call the with a supervisor.YET I HAVE NOT been allowed such communication. I take that, as would anyone in my circumstance I assume, that your collector is trying to make me convinced that a person or adequate authority or even a lowly supervisor is or was unavailable .Worse, without satisfying any of the mandated requirements, it seems as if you are continuing efforts in non-compliance to make me believe I should or must pay the unproven debt or if in defiance I might face being sued by your firm. In past and I am certain should I do such with your firm as well, whenever I informed or do conversationally inform YOUR collector that I was or am in process to start a recording of the totally eradicate of common standards and mis behavioristic, at best descriptions, conversation I was or your collector will hang up or hung up on me. Infringing claims that are not testimonial in its indubitable certificate to be adequately true, accurate, complete, timely and or compliant to every an d one even each any and or all of the requisite and obligatory State ( mine ) and or Federal laws that are applicable, regardless if claimant alleges ignorance or is willful in their derelict of the mandates violated.Per my RIGHTS to do so, I demand that you adequately ATTEST in lawful composition to every single and one even each any and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and assure even the documented identities, the required CRSA enacted Metro-2 426-character format fielded P6 statement ( s ), at least the minimal five ( 5 ) portioned personal identifiers, authentic unabbreviated alpha-/ numeric-/ and or alphanumeric source code ( s ), respective corresponding and specific 386 pieces of confirmation to collect, any and every particular status code and description, as well as every single and one even each any and or all of the facets demanded by my State and or Federal, mentioned or not.Take note that the Ignorance of laws is not lawfully vindication nor exoneration from delusive chicanery, acted in ignorance or otherwise matters not.To return to or retain required compliance, delete every and one even each any and or all of the derogatory remarks today, even now! I tell you the truth, to this I have made myself aware of my rights and what actions I might seek in reactions to being treated as a lame duck and or threatened with scandalously deplorable legal actions by your representative or any others, I know to know ensure I have quickly a need to contact the United States CONSUMER FINANCIAL PROTECTION BUREAU ; I know I am in need to ensure that I speak or make notice to understanding of the laws and my rights representative who will make certain that I am or have always been forwarded to an appropriate leveled authority figure, maybe even just a supervisor who will or each time in the previous made clear as it is or was being pointed out that, indeed, YOUR Firm IS REQUIRED BY THE FDCPA and the Credit Reporting Bureau Settlement agreement to PROVIDE every single one even each any and or all of the FOLLOWING information to any debtor, including myself, that your firm is pursuing, whether rightfully so or in denial of laws. Additionally, my extensive researches into this matter have detailed to me very assertively that literally any good attorney knowledgeable on credit, finance, and or every and one even each any and or all of the consumer rights laws has confirmed to me that most definitely your FIRM is compelled by ethics, morality, and even TORT laws precedent to provide this information or face a lawsuit to deliver to me adequate monetary justice and satisfaction of remedying annulment of every and one even each any and or allof your untruths, inaccuracies, untimely claims, incomplete allegations, and or all other unproven mine or not fully compliant reportings :   XXXX   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX   XXXX  , PLLC, -- - F. 3d -- - ( 6th Cir. 2014 ), 2014 WL 3440174 ( 6th Cir. Mich. 2014 BANK OF AMERICA IS IN THE WRONG AND HAS TO REMOVE THE ACCOUNT IMMEDIATLY PER FCRA CREDIT REPORTING LAWS!!!!!

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