Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Accoount Name & Number : BK OF AMER -- XXXX Accoount Name & Number : BANK OF AMERICA , N.A . -- XXXX On XXXX XXXX,2026 I sent " Bank of America '' and " XXXX '' letters asking for Debt validation, a Cease and Desist, an FTC report and Affidavid that was notarized statig that this was Identity Theft and that this should be taken off my credit profile. Bank of America had this on my XXXX Credit profle as 2 items. They took both items off my XXXX credit profile and then placed it back on as this : Account : BK OF AMER XXXX Number : XXXX Amount : {$35000.00} I this is a case of identity theft and I demand that this is removed from my credit profile immediatley. I have never opened an account with the original creditor Bank of America, nor have I authorized any transactions or agreements that would have led to this collection account being placed on my credit report. This account is the result of identity theft, and I am a victim of this criminal activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this inaccurate information removed from my credit report. Specifically : 15 U.S.C. 1681c-2 ( FCRA Section 605B ) : I am requesting that this fraudulent account be blocked from my credit report. This section mandates the removal of any information resulting from identity theft from consumer credit reports. 15 U.S.C. 1681i ( FCRA Section 611 ) : I am disputing the accuracy of this collection account and request a thorough reinvestigation. The FCRA requires that, upon receiving my dispute, the consumer reporting agency must investigate the dispute and delete any information that can not be verified as accurate within the time frame prescribed by law. 15 U.S.C. 1681s-2 : The FCRA also requires that furnishers of information ( in this case, the collection agency ) must not report information they know or have reasonable cause to believe is inaccurate. Given that this account is fraudulent, the collection agency is in violation of the FCRA by continuing to report this information to the credit bureaus. In support of my dispute, I have enclosed the following documentation : A completed Identity Theft Affidavit. A copy of my credit report highlighting the fraudulent account. I request that the CFPB take immediate action to have this collection account removed from my credit report and that any further attempts by the collection agency to collect on this fraudulent account cease immediately. I also request that the CFPB ensures the collection agency complies with their obligations under the FCRA. Please acknowledge receipt of this dispute and provide me with updates on the status of my complaint. I trust that the CFPB will take the necessary steps to protect my rights as a consumer under federal law. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, 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