Consumer complaint received 2025-12-09 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing in response to your XX/XX/XXXX letter requesting a police report before you will investigate the alleged fraudulent credit card account ( account number XXXX ) opened in my name on XX/XX/XXXX. I have filed an identity theft report with the Federal Trade Commission at XXXX and obtained the FTC Identity Theft Report and recovery documentation ; the XXXX report number is XXXX, and I have provided that report to your company three times to date. I visited the XXXX XXXX XXXX XXXX and XXXX instructed me to file the identity theft report through IdentityTheft.gov rather than create a separate local police report ; I followed their instructions and filed the XXXX report, which XXXX directed me to use for law enforcement and creditor purposes. This FTCXXXX report is a valid law enforcement/identity-theft report for your purposes : XXXX generates an Identity Theft Report and a recovery plan that law enforcement and creditors routinely accept in lieu of a local police report, and you have received that report from me multiple times. I have also disputed the account with the credit bureaus ( XXXX, XXXX XXXX ) and submitted written disputes to BMO Harris Bank and XXXX, the collection agency, indicating the account is fraudulent and requesting removal and cessation of collection. Under the Fair Credit Reporting Act ( FCRA ), when a consumer disputes an item as identity theft, furnishers and credit reporting agencies must investigate and correct inaccurate or unverifiable information on consumer reports ; you are required to investigate the dispute and correct or remove information found to be fraudulent or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and related obligations for furnishers, you must not continue collection on a debt that is disputed as identity theft without a reasonable investigation, and you must provide verification if you assert the debt is valid. Because I have submitted an identity-theft report from XXXX ( the FTC report ) and have notified you and the collection agency in writing, you must proceed with a reasonable investigation now ; continued reporting or collection activity without conducting and completing that investigation may violate the FCRA and FDCPA. I request that you immediately suspend all collection activity and reporting to the credit bureaus for the account ending in [ last four digits optional : provide if you want included ], confirm receipt of my FTC/XXXX Identity Theft Report ( which I have provided three times ) and accept it as the police/identity-theft report you requested, conduct a full investigation of the account and, if you can not verify the account as valid and lawfully opened by me, delete or permanently block the fraudulent account from all credit reporting and notify the credit bureaus of the deletion, and provide written confirmation that I am not liable for the account and that you will cease collection and correct my credit report. If you insist a local police report is required, identify in writing the specific statute, regulation, or internal policy that requires a local police report instead of an XXXX/FTC Identity Theft Report. Enclosed and attached to this complaint are documents including a signed letter, the XXXX Identity Theft Report number XXXX, a copy of my drivers license, my Social Security card, a bank statement, and the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA. If I do not receive written confirmation that you have suspended collection and initiated a full investigation within 15 business days, I will pursue all available remedies, including filing complaints with the CFPB and state regulators and seeking legal remedies under the FCRA and FDCPA. 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