Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
This complaint is regarding Bank of Americas failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) and their failure to properly respond to a previous CFPB complaint ( Reference # : XXXX ). 

I submitted a full Identity Theft Packet, including : FTC Identity Theft Affidavit Austin Police Department Report Copy of my government-issued ID Social Security Card Sworn Declaration of Identity Theft under penalty of perjury Despite this, Bank of America failed to properly investigate or resolve the dispute, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681s-2 ( b ), which requires furnishers of information to : Promptly block fraudulent accounts upon receipt of proper documentation ( 605B ) Conduct a reasonable investigation upon notice from a CRA or the consumer ( 1681s-2 ( b ) ( 1 ) ( A ) ) Review and consider all relevant information provided by the consumer ( 1681s-2 ( b ) ( 1 ) ( B ) ) Statutory Violations Involved : 1. FCRA 605B [ 15 U.S.C. 1681c-2 ] Failure to block fraudulent tradeline within 4 business days upon receiving : A valid police report An FTC affidavit A statement of identity theft 2. FCRA 611 ( a ) ( 5 ) ( B ) Failure to provide written notice of reinsertion of previously blocked information. 
The tradeline has reappeared on my XXXX  and XXXX  credit report, but I received no reinsertion notice as required by law. 

3. FCRA 623 ( a ) ( 6 ) ( B ) A furnisher that receives proper identity theft documentation may not report the information to any CRA unless it is verified as accurate. BOA appears to have ignored this, allowing reinsertion without proper re-verification.

4. FCRA 623 ( b ) After receiving notice of dispute from a CRA, a data furnisher must : Investigate the dispute Review all relevant information Report the results back to the CRA within 30 days BOA failed to respond meaningfully and allowed the reappearance of a previously blocked tradeline. 



Breakdown of Events : On XX/XX/year> at XXXX PST, I received an email from XXXX  XXXX XXXX identifying herself as my point of contact from BOAs Enterprise Resolution Office ( Case # XXXX ) in response to my initial CFPB complaint. 
The email included a non-functioning phone extension ( XXXX ). 
I replied the same day ( XX/XX/XXXX, XXXX PST ) asking for a correct number. She never replied. 

On XX/XX/XXXX, I mailed my full Identity Theft Packet via USPS Priority Mail to : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Delivered XX/XX/XXXX, XXXX and signed for by XXXX XXXX, XXXX BOA handwritten under recipient. 
I received no follow-up, response, or acknowledgment from BOA. 
In early XX/XX/year>, the previously suppressed fraudulent BOA tradeline reappeared on my XXXX  report, despite BOA never responding to my dispute again, without any required reinsertion notice, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

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