Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax XXXX XXXX XXXX XXXX I am writing to dispute the following inaccurate entries on my credit report. Please investigate and correct or remove these items without delay : XXXX XXXX XXXXXXXX XXXX  XXXX was incarcerated when this account was illegally accessed. My identity was stolen, and I have XXXX  breach documentation and prison records to confirm my status. Remove this false listing immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX posted during my incarceration are fraudulent. This account never reflected my activity. Restore my record to its accurate state and delete this entry. 
XXXX XXXX XXXX XXXX XXXX activity occurred while I was imprisoned. This item is invalid and must be removed or corrected to show my true account history. 
XXXX XXXX  XXXX  XXXX recorded here are a result of identity fraud while I was incarcerated. Erase this incorrect information from my file. 
XXXX XXXX XXXX  XXXX balance reported is erroneous. Supply proof of the charge-off or adjust the balance to {$0.00} and eliminate any negative status. 
XXXX XXXX XXXX  XXXX XXXX ( Account ending in XXXX ) : Transactions posted while I was incarcerated are not mine. My identity was compromised in the Experian data breach, and this account was in good standing before the fraud. I insist you remove these unauthorized charges and restore my original status. 
XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Similar fraudulent activity appears during my incarceration period. I possess documentation verifying both the breach and my custody dates. Please delete these incorrect latepayment records. 
Bank Of America ( Account ending in XXXX ) : This account also shows delinquent balances from the same identity theft incident. My prison records confirm I could not have accessed this account. I demand the removal of these false delinquencies. 
Under the Fair Credit Reporting Act, you are required to complete your investigation within 30 days, correct or delete the disputed items, and furnish written confirmation of the results. I expect prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXX : XXXX XXXX Fraud Victim Assistants Department XXXX. XXXX XXXX, XXXX, PA XXXX Dear XXXX  XXXX XXXX XXXX, I am writing to dispute multiple inaccuracies on my credit report. Please investigate and correct or remove the following items : XXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : I have never signed a contract with this collector. Provide documentation from the original creditor confirming their ownership and legal right to collect, or delete this entry. 
XXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : This account reflects fraudulent activity while I was incarcerated and my information was compromised. Prior to that breach, my credit history was clear. Either validate this debt with credible proof or remove it immediately. 
XXXX. XXXX XXXX XXXX ( Acct ending XXXX ) : Similarly, this listing resulted from identity theft during my imprisonment. Confirm its legitimacy or expunge it from my file. 
XXXX. XXXX XXXX ( Acct ending XXXX ) : This account also arose from unauthorized use of my identity while incarcerated. Verify the debt or delete the record. 
XXXX. Bank Of America ( Acct ending XXXX ) : I do not recognize this lender or account. Remove this inaccurate entry without delay. 
XXXX. XXXX XXXX ( Account ending XXXX ) : Fraudulent activity was recorded while I was incarcerated. Documentation from XXXX breach report and my prison records confirm identity theft. I demand deletion of these incorrect charges and full restoration of my prior good standing XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account ending XXXX ) : Unauthorized transactions appeared during my confinement. I possess proof of the XXXX  data breach and incarceration paperwork. Remove these erroneous entries and reinstate the account to its accurate status. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) : Similar fraudulent postings occurred while I was imprisoned. My records verify that I was not responsible for these charges. Erase this false information and correct my credit history Please complete your reinvestigation within the period mandated by the FCRA and correct my credit report accordingly. I expect written confirmation of the outcome. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX I am writing to dispute several items on my credit report that are not mine and appear to stem from identity theft : XXXX XXXX XXXX ( XXXX XXXX ) : I did not open or authorize this account. Please remove this incorrect entry from my file. 
XXXX XXXX XXXX ( XXXX  XXXX ) : I have no knowledge of this account and did not initiate it. Kindly delete it. 
XXXX XXXX XXXX ( XXXX  XXXX ) : This entry is unfamiliar and was not opened by me. Please remove it. 
XXXX XXXX XXXX XXXX  XXXX ) : While incarcerated, my personal information was compromised, and this account was fraudulently established. I have documentation from XXXX  and incarceration records confirming my status. Please correct or delete this listing. 
Bank Of America ( XXXX XXXX  ) : I do not recognize this lender or any related account. Please remove this entry as well. 
Thank you for your understanding and prompt attention to these matters. I respectfully request that you investigate these disputes, correct my credit report accordingly, and provide written confirmation of the actions taken. 
Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX of Birth : XX/XX/XXXX, XXXXSocial Security Number : XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX  Dispute Department XXXX XXXX am writing to dispute the following inaccurate entries on my credit report. All listed accounts were compromised while I was incarcerated, and I demand their correction or removal based on clear evidence of unauthorized activity. 
XXXX XXXX ( Account ending XXXX ) During my imprisonment, this account was hacked and fraudulent charges were posted. I have documentation from XXXX data breach notification and official records confirming my incarceration. These entries are invalid and must be deleted or corrected immediately. 
XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX ) This account was similarly accessed without my consent while I was confined. The unauthorized transactions do not reflect my credit history. I possess Experian breach data and prison records proving my absence. Remove or amend this information without delay. 
XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX ) XXXX  XXXX XXXX ( XXXX XXXX ) : Unauthorized charges during my imprisonment.XXXX XXXX XXXX XXXX XXXX XXXX ) : Fraudulent activity recorded while I was detained.XXXX XXXX XXXX ( XXXX XXXX ) : Erroneous transactions from the period I was incarceratedXXXX XXXX ( XXXX XXXX ) : Inaccurate account entries made while I was in prison.Bank of America ( XXXX XXXX ) : Unauthorized activity linked to the data breach.Unauthorized activity occurred on this account during my detention. I was in good standing before my information was stolen. I have evidence from XXXX breach report and incarceration documentation. This erroneous data must be expunged.

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