Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : In XX/XX/XXXX, a Bank of America account was opened using my identification without my knowledge or permission with a credit limit of {$3500.00}. This occurred in the State of Maryland, and in the county of XXXX XXXX 's. During this time I was in graduate school in XXXX, Massachusetts and was unaware of the account or its existence. Based on my credit report, the account was positive until XX/XX/XXXX. On XX/XX/XXXX, I received an alert that a " new '' account was added to my XXXX report. When I checked my report, I noticed this Bank of America account. I immediately contacted XXXX to dispute the matter. I submitted a police report and an FTC Affidavit ( notarized ) report. I noticed the account was removed in XX/XX/XXXX and placed back on my credit report in XX/XX/XXXX with a balance of {$6200.00}. 

Since this account reappeared on my credit report, I contacted Bank of America to inform them that I did not open the account and that I was a fraud victim. The transferred me to so XX/XX/XXXX departments, that I am unable to state what specific department was handling the matter. When I did eventually speak to someone, I was told to go into one of their branches to prove my identity, and submit a dispute with the branch. Therefore, I followed their directions and went into the branch, just to be told that they are unable to process a dispute for the account. The branch manager contacted the BOA fraud department to inform them of the matter, but the fraud department did not provide them with any guidance. Thereafter, I submitted another dispute with XXXX ( as it was already removed from the other bureaus ). I received a notification in less than 30 days that Bank of America " Verified '' that the account was mine. I am not sure how they were able to do this since they never contacted me, I was never sent any proof of how the account was open, as I requested the application with the original signature. Additionally, they are basing it off that the account was paid at some point by a XXXX XXXX account ( I've never held a XXXX XXXX account ) and I never made a payment to an account I never opened. 

In XX/XX/XXXX, I once again contacted BOA to inform them that the fraudulent account is still appearing of my credit report and I needed to submit a formal dispute with their fraud department. I was once again transferred to several departments ; I was put on hold for a maximum of 3 hours ; I was then told that they already " investigated the matter, And I have furnished no information to prove who and where the account was opened. Bank of America refuses to conduct a thorough investigation in this matter, and thus causing myself and my family more harm and at a financial risk based on fraudulent use of my identification. 

I asked that your agency conduct an investigation into BOA and their lack of support to resolve this matter and remove the fraudulent account from my name and credit report. I will comply and cooperate/furnish with any information you may need from me to investigate this account with Bank of America. Thank you!

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