Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America, N.A., as furnisher of a fraudulent tradeline on my XXXX credit report and for failing to follow federal and state law after I reported identity theft and a mixed file. 

On XXXX I saw a new derogatory Bank of America secured credit card on my XXXX  file through XXXX XXXX. XXXX XXXX dollars, limit XXXX dollars, opened XXXX, charged off, heavy late history, reported as closed XXXX with charge-off and account closed by credit grantor. I never opened any account with Bank of America and never authorized anyone to open XXXX in my name. 

At about XXXXXXXX XXXX XXXX XXXX  on XXXX I phoned Bank of America and spoke with a representative who identified himself as XXXX. I provided my legal name ( XXXX XXXX XXXX XXXX, married name XXXX XXXX XXXX, date of birth, address, and Social Security number. XXXX confirmed there was no Bank of America account linked to my Social Security number. In other words, the tradeline XXXX  shows in my file belongs to someone else. I strongly recommend listening to the no doubt recorded call, in order to verify the absolutely horrific handling by this buffoon of a customer service rep. By refusing to escalate the call and by hanging up the phone, this 'XXXX  XXXX made Bank of America a willing accomplice to identity theft and fraud. 

Even after admitting that my Social Security number did not match this account, XXXX refused every reasonable step I requested. He refused to send a deletion or correction letter to XXXX  and the other credit bureaus. He denied the existence of such letters and refused to transfer me to a supervisor, dispute unit, or identity theft department. When I stated that my next step would be a CFPB complaint and a fraud claim, XXXX spoke over me, became argumentative, then abruptly ended the call. 

At the same time, my XXXX  file now lists XXXX XXXX XXXX as my employer and shows XXXX addresses where I have never lived : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I phoned XXXX XXXX XXXX at XXXX and staff confirmed a different employee with the name XXXX XXXX. This strongly suggests a mixed file involving XXXX different consumers named XXXX XXXX, and Bank of America is furnishing data for the wrong person into my file. 

Bank of America received direct oral notice from me on XXXX that the XXXX  tradeline is inaccurate and tied to a different consumer. I also have an active XXXX identity theft report from XXXX that covers prior fraudulent accounts in my name. Despite this, Bank of America refuses to correct or withdraw the inaccurate tradeline and refuses to cooperate with an identity theft investigation. 

I believe Bank of America is violating at least the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), by furnishing information it knows or has reason to know is inaccurate after my call. 
FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ), by failing to promptly correct and update information it knows is incomplete or inaccurate. 
FCRA, 15 U.S.C. 1681s-2 ( b ), by failing to conduct a reasonable investigation and correct the record once notified that a consumer disputes the tradeline and provides identity theft information. 
FCRA, 15 U.S.C. 1681c-2, and CFPB Regulation V, 12 C.F.R. part 1022, regarding duties to assist with blocking information resulting from identity theft. 
XXXX Consumer Credit Reporting Agencies Act, XXXX. Civ. Code 1785.25 ( a ), which forbids furnishing information to a consumer reporting agency when the furnisher knows or should know the information is incomplete or inaccurate.

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 non-monetary relief