Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
b'I am submitting this formal complaint against Bank of America for its continued and willful furnishing of fraudulent information to credit reporting agenciesdespite multiple identity theft reports, federal filings, and supporting documentation. This is in clear violation of the Fair Credit Reporting Act (FCRA) and relevant Consumer Financial Protection Bureau (CFPB) guidance.\n\nNature of the Fraudulent Reporting:\n\t\tCreditor: Bank of America\n\t\tAccount Type: Revolving Credit Card\n\t\tDate Opened: XX/XX/XXXX\n\t\tBalance Charged Off: XXXX\n\t\tStatus: Charged off and closed in late XXXX\n\t\tReporting To: XXXX  and XXXX\n\t\tAccount Number (Partial): XXXX XXXX XXXX XXXX\n\nThis account was fraudulently opened without my knowledge, consent, or benefit. I never authorized the application, transactions, or use of this account.\n\n\n\nIdentity Theft Filings and Ignored Documentation:\n\nBetween XXXX  and XXXX, I submitted multiple FTC Identity Theft Reports, supported by affidavits, photo ID, and correspondence with XXXX  and XXXX. These filings clearly outlined the pattern of identity theft affecting my credit profileincluding the fraudulent Bank of America account.\n\nI also provided:\n\t\tA full FTC Identity Theft Report with affidavit (including Report #XXXX  and others submitted via IdentityTheft.gov)\n\t\tProof of identity and current address\n\t\tCredit bureau disputes citing FCRA 605B\n\t\tLaw enforcement notifications\n\t\tDocumentation of a confirmed data breach by XXXX XXXX XXXX XXXX XXXX XXXX XXXX) which compromised my SSN, DOB, and contact datathe very credentials used in this fraudulent application\n\nBank of America has repeatedly failed to act on this documentation and continues to furnish this account as my own, resulting in prolonged harm to my credit and financial reputation.\n\n\n\nViolations of Federal Law:\n\nBank of Americas ongoing conduct constitutes the following legal violations:\n\t\tFCRA 605B  Failing to block information identified as identity theft within 4 business days of receiving an identity theft report and supporting documentation\n\t\tFCRA 609(e)  Failure to provide business records related to the fraudulent account after formal request\n\t\tFCRA 611(a)  Failing to investigate and delete fraudulent data after disputes filed with credit bureaus\n\t\tFCRA 623(a)(6)  Continuing to furnish known fraudulent information after being informed by the consumer and bureaus\n\t\tFCRA 623(a)(1)(A)  Failing to ensure accuracy of furnished data\n\t\tCFPB supervisory guidance  Failure to comply with Bureau-enforced standards of investigation, response, and consumer relief\n\nThis is not a simple oversight. Bank of America has engaged in negligent and reckless conduct by failing to correct false information for over four years, even in the face of clear identity theft documentation.\n\n\n\nConsequences of This Misconduct:\n\nBecause of Bank of Americas prolonged and unlawful reporting, I have suffered:\n\t\tSevere credit score damage, affecting my access to essential financial products\n\t\tDenials for personal credit and auto loans\n\t\tHigher insurance premiums and financing terms\n\t\tEmotional distress, mental fatigue, and hours of labor spent disputing\n\t\tReputational harm as I am wrongly listed as delinquent or irresponsible\n\nThe psychological and financial harm is ongoing and directly attributable to Bank of Americas refusal to follow federal law'

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