Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX did not conduct a reasonable investigation of my disputes, in violation of the FCRA, 15 U.S.C. 1681s. Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXXnew the reporting of the account on my credit reports was inaccurate. Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXX breached the contract because Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXX never performed by giving me the loans as agreed and required.Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXXaccepted XXXX XXXX XXXX XXXX, its rights of recourse aredischargedunder U.C.C. 3-311, 3-603 and 604, and thereforeBank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX bankowes XXXX XXXXXXXX money not the other way around.All derogatory remarks, hard inquiries and, unverified items listed in the invoice herewith remain on my credit report in violation of Federal Law15 U.S.C. 1681s and15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. If anyone verified information on my credit report without my oral or written consent has violated my rights and has committed fraud. under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptlyDELETE all information which can not be verified. By XXXX XXXX the OriginalCreditor and consumer according to15 U.S. Code 1692a Definitions The term consumer means any natural person obligated or allegedly obligated to pay anydebt. ( 4 ) The term creditor means any person who offers or extends credit creating adebt.Bank of America, XXXX XXXX, XXXX XXXX and XXXX XXXX  intentionally obtains my security agreements by non-disclosure, concealment and suppression of the material fact that Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXX not risking any of theyown assets in the transactions.Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXXconcealment of the material facts withthe Security Agreements establish breach of contract.Contract was NOT Fully Disclosure as required by the Truth-in-Lending Act ( TILA ). 

Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX bankfailure of consideration and breach of contract.A national bank hasnopower to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 92536 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.Damages,15 U.S. Code 1681n - Civil liability for willful noncomplianceI have suffered damages in the form of lost credit opportunities, credit defamation, unfavorable credit terms, out of pocket expenses, interference with normal and usual activities, invasion of privacy, and emotional distress, including XXXX stress, worry, frustration, humiliation and embarrassment. 
XXXX XXXX damagesasaresult of the misrepresentation.Asaresult ofBank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXXviolations ofFair Credit ReportingAct ( CFRA ) .Bank of America , XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXhave21 days to respond and cure theirDishonor of receipt of this Complaint dispute. If Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXXdo not respond on a sworn Affidavit. It will beBank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXXXXXX XXXXadmission of default to this dispute, breached the contract, violation ofTruth-in-Lending Act ( TILA ), violations of the Fair Credit Reporting Act ( " FCRA '' ), defamation of character, Aggravated Identity Theft, Conspiracy, Racketeering, violation of Privacy Act, mail fraud, misrepresentation, Slandering, Libel, negligent and Civil liability for willful noncompliance withthe law with XXXX XXXXBank of America , XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX bankagreed to promptly update their records to reflect correct data ( Paid, Closed/Never late or delete ) and each company pay ( {$100000.00} ) by XX/XX/year> XXXX form of a check payable toXXXX 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