Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Re : Formal Demand for Immediate Deletion of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX To Whom It May Concern : I represent XXXX XXXX XXXX, and this letter serves as a formal demand for immediate deletion of three ( 3 ) fraudulent credit accounts appearing on his credit reports, which are the result of serious violations of federal law and identity theft. 
XXXX. Background XXXX XXXX has not been a resident of the United States since XXXX, and during the time these accounts were opened or utilized, he was residing abroad. He had no knowledge, authorization, or involvement in the opening or use of the referenced accounts. Furthermore, his established credit history since XXXX has always remained positive, with all other active accounts reporting in excellent standing to this day. 
XXXX. Violation of Federal Law These accounts not only stem from identity theft but also from gross misconduct by the originating financial institution, which : Sold or disclosed XXXX XXXX private consumer information to multiple debt collectors and agencies without his consent or legal justification, constituting a breach of the following federal statutes : a. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The FCRA mandates that credit reporting agencies and financial institutions may only disclose consumer information to third parties for permissible purposes. Unauthorized distribution of such data to multiple collectors violates XXXX XXXX rights under this act. 
b. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 This law prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties without appropriate consumer consent. XXXX XXXX was never informed of such disclosures, nor did he consent to the dissemination of his data. 
XXXXXXXX Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, 5536 The conduct involved here is both unfair and deceptive. It has caused substantial harm to XXXX XXXX credit standing through no fault of his own and has violated the protections afforded under the CFPA. 
XXXX. Demand for Relief Pursuant to the above violations and in accordance with Section 611 of the FCRA, you are hereby demanded to : Immediately remove the three ( 3 ) fraudulent accounts from XXXX XXXX XXXX credit reports across all three major credit reporting agencies ( XXXX XXXX and XXXX  ) ; Conduct a formal reinvestigation and provide confirmation of deletion in writing within 30 days of receipt of this letter. 
Failure to comply will leave us no choice but to pursue all available legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for damages under applicable federal statutes. 
XXXX. Supporting Documentation Enclosed are the following : Copy of XXXX XXXX government-issued ID and proof of address Affidavit of identity theft ( if available ) Credit report excerpts highlighting the disputed accounts Documentation of XXXX XXXX XXXX  XXXX since XXXX Please treat this matter with the urgency and seriousness it requires. XXXX XXXX is the victim of criminal identity misuse and unauthorized data XXXX. He will not suffer further financial or reputational harm due to the negligence or noncompliance of reporting institutions. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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