Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
I am filing this formal complaint against Bank of America ( BOA ) for continuing to engage in unauthorized, unlawful, and abusive debt collection and credit reporting activities, even after being placed on written notice to cease all communication. This conduct is in direct violation of multiple federal statutes including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ). 

On or before XX/XX/2025, I sent a formal Cease and Desist demand to BOAs credit reporting and compliance division. That letter was tracked, confirmed as delivered to their XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/2025 at XXXXXXXX XXXX. That letter invoked my full rights under FDCPA 805 ( c ) and instructed BOA to cease all forms of communication, both direct and indirect, including third-party data furnishing. 

Since that time, BOA has continued to furnish derogatory tradeline information to XXXX XXXX, and XXXXdespite being legally notified to cease. They have also failed to provide any validation, reinvestigation results, or a Method of Verification under federal law. This is not a clerical oversight it is continued unlawful collection activity via credit reporting, despite clear and confirmed communication to stop. Under the FDCPA, this constitutes continued communication as a form of debt collection and is therefore unlawful. 

Furthermore, BOA is actively violating : FDCPA 809 ( b ) : I demanded full validation of this alleged debt. That includes : The original signed credit agreement or application Itemized transaction and payment history Proof of chain of assignment ( if the debt changed hands ) Compliance details of how this debt is being reported under XXXX No response or documentation has been provided. 


FDCPA 805 ( c ) : They have continued attempting to collect by furnishing information to credit bureaus which qualifies as indirect communication after a cease request. This violates the statutory requirement to terminate communication upon request. 


FDCPA 805 ( b ) / 15 U.S. Code 1692c ( b ) : They have disclosed this disputed account to third-party credit bureaus without my consent, after being explicitly told not to communicate another violation of federal law prohibiting third-party disclosures. 


FCRA 1681s-2 ( a ) and 1681s-2 ( b ) : As a furnisher, BOA has a non-delegable duty to ensure maximum possible accuracy and to investigate disputes. They have failed to correct, update, or remove the disputed tradeline even after being notified. Furnishing unverified and disputed data knowingly constitutes willful noncompliance. 


FCRA 1681i : BOA has not conducted a lawful reinvestigation or provided any Method of Verification. Instead, they have allowed erroneous and unverifiable data to persist which materially damages my credit standing. 


GLBA 6801 ( a ) : BOAs actions reflect gross negligence in handling my private financial data. Continuing to publish unvalidated, disputed account information without verification constitutes a failure to maintain the safeguards and standards required under GLBA. 


Pattern of Coercion, Misrepresentation & Abuse : BOA is attempting to weaponize credit reporting as a form of collection, knowing full well that inaccurate derogatory data can impact access to employment, housing, and financial tools. This tradeline has been leveraged to coerce action through fear and reputational damage without evidence, without verification, and in defiance of a lawful Cease and Desist. 


This conduct is part of a broader pattern of abuse. My dispute history and requests have been ignored, mishandled, or willfully disregarded. BOA continues to act with reckless indifference to federal law, using automated systems and credit bureau furnishing as a substitute for meaningful human review or legal compliance. 

They are deliberately evading consumer protection obligations, choosing to default to silence while still causing material damage. I consider this account to be in dispute, unvalidated, unverified, and unlawfully reported.

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