Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
XX/XX/2025 Hello, This is a complaint and dispute request under the U.S. Code ( 15 USC 6802, 15 USC 1681 B, 15 USC 1692 and 18 USC 1028 ) and the Federal Education Rights and Privacy Act. Violations were found in regard to all the accounts listed above. XXXX XXXX XXXX did not consent to, was not asked for permission, or sent a disclosure for permission to access and report XXXX XXXX XXXX credit information from any of the above listed credit accounts in this document to any third party, credit reporting businesses, bureaus, or agencies. Failure to provide proper disclosure is a violation of institution privacy policy, as all businesses and financial institutions must provide clear and conspicuous disclosure to the consumer either in writing or by electronic communication ( 15 USC 6802 and 15 USC 6803 ). These violations can be found with all the credit accounts mentioned within this document and are a breach of consumer rights due to the reporting of the consumers information without permission and lack of fair and accurate reporting using reasonable procedures ( 15 USC 1681, 18 USC 1028 ). In addition to these violations, all accounts reported from XXXX XXXX XXXX XXXX  ( XXXX, Accounts ending in XXXX ) are being disputed for the breaches listed above as well as a breach of information pursuant to the Federal Education Rights and Privacy Act. Due to the removal of the Department of Education, XXXX XXXX personal information was compromised without authorization. Information regarding the student loan accounts associated with XXXX XXXX XXXX were reported to a third-party vendor without authorization. XXXX XXXX XXXX did not provide any permission for the transfer of debt to a third party, nor the reporting of information related to any debt, which occurred with the accounts related to BANK OF AMERICA, XXXX, and XXXX XXXX XXXX XXXX  where XXXX XXXX XXXX information was also reported to and/or transferred to a third party/collection agency without authorization/consent ( 15 USC 1692 ). 

It is requested that all credit reports associated with the listed accounts be removed due to the compromise and/ or sharing of information without authorization or providing proper disclosure to the consumer. No information regarding XXXX XXXX XXXX was or is authorized to be transferred to a third party without permission. This document can be considered written instruction that the listed credit accounts be removed from XXXX XXXX XXXX credit report due to the breaches described. 

Thank you for your time and consideration of this dispute/request. 

XXXX XXXX, XXXX XXXX Agent/Representative for XXXX XXXX XXXX, also known as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Fax Number XXXX ( XXXX ) XXXX Email : 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