Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
**Summary of Complaint** This formal complaint outlines multiple violations by XXXX XXXX XXXX XXXX XXXX which have caused significant harm to both my personal finances and business operations. These issues arise from systemic failures within XXXX, including unauthorized changes to my credit file, unjust denial of access to my credit report, and the wrongful exclusion from settlement following their XXXX data breach. These actions have created financial hardship and impacted the operations of my business, House XXXX XXXX XXXX. 

**Concrete Documentation** To substantiate these claims, I have included the following evidence : XXXX. Copies of correspondence with XXXX regarding denied credit report access. 
XXXX. Screenshots of my credit report highlighting unauthorized changes. 
XXXX. Documentation related to my exclusion from the settlement following XXXX 's XXXX data breach. 

**Detailed Account of Violations** XXXX. **Denial of Credit Report XXXX Since XX/XX/XXXX, XXXX - **Violation** : Denied access to my credit report in violation of XXXX XXXX. XXXX. 
- **Adverse Impact** : This obstruction has caused prolonged financial harm and hindered the operation of my business, House Of XXXX oles XXXX XXXX 
- XXXX XXXX : - In commerce, truth is sovereign. Withholding my report conceals vital information. 
- A matter must be expressed to be resolved. My repeated requests have been ignored. 

XXXX. **Unauthorized Modifications to XXXX XXXX on XX/XX/XXXX, XXXX - **Violation** : Unauthorized changes to my credit report in breach of 15 U.S.C. 1681b. 
- **Adverse Impact** : These inaccuracies have negatively impacted my creditworthiness and business transactions. 
- XXXX XXXX : - An unrebutted affidavit becomes the judgment in commerce. XXXX has failed to respond to my inquiries. 
- He who leaves the battlefield first loses by default. Their inaction confirms liability. 

XXXX. **Exclusion from XXXX XXXX XXXX XXXX XXXX XXXX ) ** - **Violation** : Exclusion from compensation following Equifaxs XXXX data breach, violating the Gramm-Leach-Bliley Act ( GLBA ) and the Privacy Act of XXXX. 
- **Adverse Impact** : Denied fair compensation for the misuse of my data and exposure during the breach. 
- XXXX XXXX : - A workman is worthy of his hire. My exclusion denies me the compensation I am entitled to. 
- Sacrifice is the measure of credibility. XXXX failure to address this has harmed their reputation. 

XXXX. **Business Impact on House XXXX XXXX XXXX XXXX XXXX : Inaccurate reporting and systemic failures by XXXX have caused financial and reputational harm to my business. 
- **Adverse Impact** : Impeded access to credit and harmed the ability to effectively manage my business. 
- XXXX XXXX : - XXXX is based on agreements. XXXX has breached its duty to provide accurate credit information. 
- Truth is expressed in the form of an affidavit. These errors have caused real harm to my business.

**Legal Basis for Complaint** This complaint is supported by the following statutes and principles : - **Fair Credit Reporting Act ( FCRA ) ** : Violations of permissible purpose ( 15 U.S.C. 1681b ) and disclosure obligations ( 15 U.S.C. 1681g ). 
- XXXX XXXX ( XXXX ) ** : Failure to protect nonpublic personal information. 
- XXXX XXXX of XXXX : Insufficient safeguards for consumer data. 
- **Securities XXXX XXXX of XXXX : Breaches under safeguarding requirements ( 17 CFR 240.15c3-3 ). 
- **Commercial Law Principles** : Violations of established maxims of commerce.

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