Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX ( Last XXXX digits ) : XXXX DOB : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute & Complaint Requesting Investigation XXXX  Reporting Violations Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable information listed in my XXXX  consumer file, and to request your intervention under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act. 

The following institutions have reported accounts to XXXX  which I am disputing : XXXX. XXXX XXXX  - Date of Closure : XX/XX/XXXX - Reported For : Account Abuse - Amount : {$190.00} - Status : Unpaid - XXXX XXXX XXXX XXXXXXXX / XXXX - Dispute Reason : Per FCRA 611 ( 15 U.S.C. 1681i ), I dispute the completeness and accuracy of this record. There is no evidence that XXXX properly validated or verified this alleged debt per consumer law. I demand full validation under FCRA and FDCPA including original account records, signed contracts, chain of custody, and payment history. If such records can not be produced, this listing must be deleted.

2. Bank of America - Date of Closure : XX/XX/XXXX - Reported For : Suspected Fraud Activity - Status : No Monetary Loss XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - Dispute Reason : This listing lacks factual backing, proof of fraud, or documentation showing due process. Reporting " suspected fraud '' without court judgment or investigation results violates due process under FCRA 605 ( b ) and may constitute defamation and negligence. There is no monetary loss, and no formal charges or convictions are attached to this record. 

XXXX. XXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Reported For : Overdrafts - Amount : {$120.00} - Status : Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Dispute Reason : Per FCRA 609 and 611, I am requesting full validation and itemization of this alleged overdraft. No supporting documentation proving the debt, the legitimacy of the charges, or authorization for reporting has been presented. Without this, XXXX  must remove this listing.

Request for Relief - I request a full reinvestigation of all the above listings. 
- If the data furnishers can not provide complete and verifiable evidence within 30 days, these records must be permanently removed under FCRA. 
- I further request that CFPB intervene if XXXX  or the furnishers fail to comply, per your jurisdiction over banks and consumer reporting agencies. 

Enclosures : - Copy of XXXX  Report - Proof of Identity ( ID, utility bill, SSN ) - Any relevant correspondence I request a written response to this dispute in compliance with FCRA timelines. I appreciate your time and commitment to protecting consumer rights. 

Sincerely, 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