Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
I am disputing an unauthorized hard inquiry on my credit report from XX/XX/XXXX, by Bank of America. I did not authorize this inquiry and did not apply for any type of credit that year. 

Timeline of events and communications : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Spoke with XXXX  ( case # XXXX ), who transferred me to XXXX in the Fraud Department at XXXX XXXX. XXXX then transferred me to XXXX, who instructed me to call the credit bureau. XXXX  told me they could not act until BOA confirmed the inquiry. I also tried to dispute by providing my own letters, but they need BOA to confirm, which they have not done, even though I attempted to resolve this to the best of my knowledge. 
XX/XX/XXXX XXXX XXXX XXXX : Spoke with XXXX from XXXX XXXX XXXXXXXX ( case # XXXX ), then escalated to Manager XXXX, who assured me the matter would be handled. There is no reason for a hard inquiry on XX/XX/XXXX, to appear on my report. Despite all the letters BOA submitted, it was not enough for XXXX just say resolved with no explanation of how or why it was on my report. 
XX/XX/XXXXXXXX XXXX XXXX XXXX : Spoke with XXXX / XXXX ( XXXX ), who gave me his employee ID because I have contacted so many people regarding this dispute. I have received XXXX letters stating the same thing but offering no details on why the inquiry is on my report, even though multiple team members gave me verbal confirmation. I asked for written clarification, but BOA refused. 
XX/XX/XXXX XXXX XXXX XXXX  : Contacted Fraud Credit Card Department and submitted a fraud application request ; no credit card was found on file. I was hoping that having the investigation results would push an actual resolution so I could have answers. I also emailed the complaint department. Eventually, someone called saying the inquiry would be removed, but after months of dealing with this, I was not confident in any more verbal assurances. 
XX/XX/XXXX : I called BOA to get the investigation results. The employee told me that the letters I have been receiving are all they can provide. I explained that XXXX could remove the inquiry, but I needed the results in writing. The employee asked their manager and confirmed they could not provide that documentation, despite knowing the inquiry was inaccurate. They told me I would need to push XXXX. I called XXXX  to dispute once again, but there is nothing further I can do based on the information XXXX customer service providedthey did not receive anything from BOA. 

Additional details : Throughout this process, I have spoken with many BOA representatives. They continue sending letters saying resolved, but BOA has not submitted a credit discrepancy to XXXX  requesting removal. I understand BOA can not remove the inquiry themselves, but XXXX  is responsible for correcting it and can not do so without BOAs action. 
I have not received any documentation or results of the fraud investigation and its findings. Them saving resolved it not enough information, I request and i expect details after the investigation that was why the investigation was place to get clarification on why it there and who authorized if not done by me. I needed more than verbal communication after letters wasnt clear or credible like verbal confirmation

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