Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This letter serves as my OFFICIAL WRIT and DECLARATION of NOT indisputable compliant misinformation that is either or all of the following : Deficient of adequate accepted status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, demonstrated OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory required compliant reporting.

This mandates your immediate action to rectify and remedy any and all infractions or questionable behavior ( s ) by retaining or returning to DEMONSTRATED precise, CORRECT, Complete, and COMPLIANT METRO 2 data field formatted reporting.

I have become aware of some mystifying, still unknown credit inquiries on my credit report. I now compel you to eliminate these unlawful, unproven claims against me. This consumer complaint challenges these proclamations under various consumer protection laws and standards of practice, such as FCRA 611 ( a ) ( 7 ), which specifically mandates the procedural descriptions utilized by you in providing and obtaining these inquiry records, including whether these records were obtained by a third-party details broker and thereafter sold to your firm. 

I have contacted EACH of the creditors behind these erroneous inquiries and was informed that, because the inquiry was made via the internet, they have NO record of an application being made BY ME. I have been advised by attorneys that this inquiry record you are reporting is a violation of the FCRA and the FDCPA and can not be reported. Please edit them out immediately.

The CRSA-enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully unabbreviated 426-character P-Segment or Trailing Segment, which must include the minimally five personal identifiers. In consonance with the CRSA, auto-populating ANY data field or using Slash Entries ( such as 11111 or 00000 ) into the Metro 2 system automatically calls for deletion due to any and all repeating entries being NULL and VOID.

Moreover, the regulatory obligation dictates that ANY and ALL data furnishers MUST include an attached TRAILING SEGMENT that precisely, accurately, and completely includes ALL of the account suggestion ( s ) specifics. This must be performed in a REAL-TIME browser LOCKDOWN to be lawful.

According to CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate the dispute in favor of consumers and auto-escalate any and all consumer complaints to a certified Metro 2 compliance-trained specialist.

Phase III of the implementation of the CRSA dictates that SMART auto-responders are non-compliant and unlawful if used by furnishers or accepted by CRAs. Federal laws mandate manual entry for any and all consumer 's FULL P-Segment coding for a response. Please certify in testimonial fact that this occurred. Submission or resubmission of shuffling to populate Metro 2 data fields is illegal. Responsible, lawful, ethical, and complia
nt consumer credit reporting is a prerequisite for technical accuracy in every single item retained or reported by any consumer credit reporting agency.

Metro 2 compliance requires exacting P-segments, to include the minimal five personal identifiers as well as a precisely and completely full account trailing segment. Per the CRSA, any and all CRA-insourced DISPUTE specialists must be Metro 2 compliance data entry evaluation certified. This qualifying certification can be revoked by consumer complaints to the degree outlined by the NYAG Signing Statement.

I repeat, to lawfully maintain or report any claim of information, whether it be an account or any aspect of such, there must be irrefutable fullness in the truth of reporting, the correctness of reporting, the completeness of reporting, timeliness of reporting, and the undoubted ownership and irrefutable responsibility of adverse claims. Additionally, the adequacy and completeness of informational compliance with the CRSA-enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations, including the 81-month time relevance of accounts, are mandatory.

Further lawful reporting demands that regulatory compliance rules be applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all information, particularly derogatory consumer facts, must abide by every state reporting regulation as well as federal laws, including the CDIA Metro 2 compliance standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA ).

The below noted issue ( s ) is at a minimum questionable in its reporting if not altogether unlawfully inappropriate to be certifiably compliant : CREDITOR NAME : BK of AMER INQUIRY DATE : XX/XX/year> I demand that you blackout from reporting now or remove from reporting the following injurious claim ( XXXX ) against me : CREDITOR NAME : BK OF AMER INQUIRY DATE : XX/XX/year> This letter serves as formal notice of my request to correct this information in full compliance with the FCRA and CRSA guidelines. I look forward to your prompt resolution of these issues.

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