Consumer complaint received 2024-03-30 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: PA

Complaint narrative:
I affirm under the penalty of perjury According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX XXXX XXXX Auto Loan Date Opened XX/XX/XXXX Closed Account Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$24000.00} XXXX term Late payments listed to consumers report from XXXX XXXX XXXX XXXX Auto Loan Date Opened XX/XX/XXXX Closed Account Account charged off. {$29000.00} written off. {$29000.00} past due as of XX/XX/XXXX. 
{$28000.00} Original Bal XXXX Term Late Payments listed to consumers report from XXXX XXXX XXXX XXXX XXXX Auto Loan Date Opened XX/XX/XXXX Account Closed Account charged off. {$27000.00} written off. {$28000.00} past due as of XX/XX/XXXX. 
{$28000.00} Original XXXX 75 Months Late Payments listed to consumers report XXXX XXXX XXXX XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX Account Closed Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
{$18000.00} Original Credit Limit Late Payment listed to consumers report from XXXX XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX Account Closed Account charged off. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX {$500.00} Credit Limit Late Payments listed to consumer XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX 
- Collection XX/XX/XXXX Collection account. {$1900.00} past due as of XX/XX/XXXX. 
Late Payments listed to consumer report XXXX XXXX XXXX XXXX IL XXXX Date Opened XX/XX/XXXX Line of Credit Account Closed Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
{$1500.00} Credit Limit Late Payments listed on consumer report from XXXX XXXX XXXX Credit card Date Opened XX/XX/XXXX Account Closed Account charged off. {$14000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
- {$16000.00} {$20000.00} XXXX XXXX XXXX Payments listed as late to consumers report 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