Consumer complaint received 2025-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I HAVE BEEN IN CONTACT WITH BANK OF AMERICA SEVERAL TIMES AND EVEN WENT OT THE LOCAL BRANCH IN XXXX NC AND TALKED TO XXXX THE BRANCH MANGER. SHE REACHED OUT TO THE LOAN FRAUD TEAM AND THEY STATED THIS LOAN WAS DEEMED AS FRAUD SEVERAL YEARS BACK AND I WILL NOT BE RESPONSIBLE FOR ANY DAMAGES AND THEY WILL REMOVE ALL NEG INFORMATION OFF MY CREDIT FILE AND THEY WILL NEVER REPORT ANYTHING OF THIS ACCOUNT TO MY CREDIT FILE. I SENT IN POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT DOCUMENTS AND ID AND PROOF I WASN'T EVEN IN THE COUNTRY WHEN THESE LOANS WERE TAKEN OUT. I HAVE NOT LOST MY HOUSE ON A NOTE CALLED IN FROM XXXX XXXX XXXX BECAUSE IF THIS CHARGE OFF ON MY CREDIT FILE. XXXX AND XXXX KEEP BLOCKING THIS ACCOUNT AS FRAUD BUT BANK OF AMERICA KEEPS UNBLOCKING IT AS TRUTH. I WENT BACK TO THE LOCAL BRANCH IN XXXX NC AND THE BRANCH MANGER CALL THE FRAUD INVESTIGATIONS TEAM LEADER AND SHE PUT HIM ON SPEAKER AND HE STATED SEVERAL TIMES THIS ACCOUNT IS SO OLD THEY HAVE TO GO TO THE BACK OFFICE AND REQUEST THE DOCUMENTS BUT YES ITS NOT REPORTING TO ANT CREDIT BUREAUS AND YES YOU ARE NOT RESPONSIBLE. I STATED BOA JUST REQUESTED TO PUT THIS ACCOUNT BACK ON MY CREDIT FILE AS OF TODAY AND THEY HAVE KNOWLEDGE ITS NOT MINE AND ITS FRAUD. HES WORDS WERE DISPUTED IT AND HE'LL NOTE THIS ACCOUNT AND SEND A MESSAGE TO THE TRADE LINE DEPARTMENT TO HAVE IT REMOVED AGAIN AND BLOCKED INTERNAL. THEN HE STATED I NEEDED TO FILE LEGAL ACTIONS FOR BANK OF AMERICA CAUSING YOU TO LOSE YOUR HOUSE FOR NEGLIGENCE AND EVERYTHING HE SEES ITS NOTED AS FRAUD. THEN HE STATED THIS IS NONSENSE ON THE PART OF BANK OF AMERICA. AS OF XX/XX/XXXX I FILED LEGAL ACTIONS AGAINST BANK OF AMERICA FOR FINANCIAL RUINS. BOA KEEPS USING AS ITS SEEMS TO BE THE SAME ISSUE. THE LOAN FRAUD DEPARTMENT IN FLORIDA WITH BOA STATED TO KEEP UPDATE THEM THROUGH CFPB WITH NEW INFORMATION CONCERNING THIS PROBLEM. BOA HAS NEVER PROVIDED EVIDENCE ON THIS LOAN AND THE POLICE SHOW AND PROVES I WASN'T EVEN IN THE COUNTRY WHEN THESE LOAN WAS GIVEN. MY EX WIFE IS THE ONE WHO GAVE THIS LOAN AND APPROVED THIS LOAN FOR HER NEW HUSBAND. SHE WAS FIRED AND CHARGED BY BOA FOR BANKING XXXX AND EMPLOYEE FRAUD. I HAVE NOW FILED A LAWSUIT AGAINST BOA WITH XXXX XXXX IN XXXX NC FOR FINANCIAL CREDIT RUINS AND BOA LEGAL TEAM HAS ALREADY BEEN IN CONTACT WITH ME TO SETTLE THIS CASE BECAUSE THEY EVEN STATED THEY SEE IT WAS DEEMED AS FRAUD BACK IN XX/XX/XXXX BY THE XXXX XXXX XXXX DEPARTMENT AT BOA. BOA KEEP SENDING MESSAGES TO THE CREDIT BUREAUS TO UNBLOCK AND THEY HAVE REQUESTED INFORMATION TO PROVE IT WAS ME AND THE COURTS HAVE REQUESTED THE INK TO PAPER SIGNED DOCUMENTS FOR THIS LOAN AND BOA LOAN DEPARTMENT FRAUD DEPARTMENT CANT PROVIDE THIS INFORMATION AND ALL THEY HAVE IS WORDS TO SAY. THE BOA LEGAL TEAM EVEN REQUESTED THE DOCUMENTS AND THEY CAN'T EVEN GET THEM FROM THERE ON CLIENT.

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