Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Please investigate and correct or delete any inaccurate, incomplete, or unverifiable information. If you can not verify the accuracy of these items within 30 days, they must be removed from my report per federal law. 

2. Debt Validation Request ( 15 U.S.C. 1692g ) If you are attempting to collect any debt from me, I request full validation of the alleged debt, including : Proof that I owe the debt, including a signed contract or agreement A detailed accounting of how the amount was calculated Proof that you are legally authorized to collect this debt The original creditors information Under 15 U.S.C. 1692g, you must cease collection efforts until proper validation is provided. If you can not validate this debt, you must remove it from my records and cease all communication.

3. Cease and Desist Communication ( 15 U.S.C. 1692c ) If this debt is not validated, you are hereby notified to cease and desist all further communication with me, except for official legal notices. Any further harassment or unlawful collection attempts will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

4. Unauthorized Credit Inquiries ( 15 U.S.C. 1681b & 1681m ) I have also noticed unauthorized inquiries on my credit report. Per 15 U.S.C. 1681b, you are required to have permissible purpose before accessing my credit file. If you accessed my report without authorization, this is a violation of federal law. 

I request the following : The reason for each hard inquiry on my report The name of the entity that authorized the inquiry Removal of any unauthorized inquiries Final Notice & Legal Action Warning If these requests are not addressed within 30 days, I will exercise my rights under the FCRA and FDCPA, including filing complaints with the CFPB, FTC, and state regulatory agencies, and pursuing legal remedies. 

I expect a written response confirming compliance with my requests. Failure to comply will be considered a violation of my rights and subject to penalties. Please investigate and correct or delete any inaccurate, incomplete, or unverifiable information. If you can not verify the accuracy of these items within 30 days, they must be removed from my report per federal law. 
2. Debt Validation Request ( 15 U.S.C. 1692g ) If you are attempting to collect any debt from me, I request full validation of the alleged debt, including : Proof that I owe the debt, including a signed contract or agreement A detailed accounting of how the amount was calculated Proof that you are legally authorized to collect this debt The original creditors information Under 15 U.S.C. 1692g, you must cease collection efforts until proper validation is provided. If you can not validate this debt, you must remove it from my records and cease all communication.

3. Cease and Desist Communication ( 15 U.S.C. 1692c ) If this debt is not validated, you are hereby notified to cease and desist all further communication with me, except for official legal notices. Any further harassment or unlawful collection attempts will be reported to 1 the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

4. Unauthorized Credit Inquiries ( 15 U.S.C. 1681b & 1681m ) I have also noticed unauthorized inquiries on my credit report. Per 15 U.S.C. 1681b, you are required to have permissible purpose before accessing my credit file. If you accessed my report without authorization, this is a violation of federal law. 
I request the following : The reason for each hard inquiry on my report The name of the entity that authorized the inquiry Removal of any unauthorized inquiries Final Notice & Legal Action Warning If these requests are not addressed within 30 days, I will exercise my rights under the FCRA and FDCPA, including filing complaints with the CFPB, FTC, and state regulatory agencies, and pursuing legal remedies. 
I expect a written response confirming compliance with my requests. Failure to comply will be considered a violation of my rights and

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