Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
On multiple occasions, I have submitted disputes and formal identity theft documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding the permanent blocking and removal of fraudulent items from my credit report. Despite my full compliance with federal requirements, you continue to report these fraudulent accounts and addresses, and you have issued generic, non-specific letters refusing to block the information.

The following items are fraudulent and must be permanently blocked and deleted from my credit file : Bank of America Opened : XX/XX/year>XXXX  Fraudulent Amount : {$110000.00} Additionally, the following fraudulent address must be deleted from my file : XXXX XXXX XXXX, XXXX, TX XXXX As previously submitted, my identity theft documentation includes : FTC Identity Theft Report Government-issued Drivers License Social Security Card Utility bill as proof of current address ( Drivers License ) Under FCRA 605B ( a ), you are required to block fraudulent information within four business days of receiving a proper request. Further, under FCRA 605B ( c ), you are legally obligated to provide a specific written explanation if you decline to block the information. Your prior generic letters do not satisfy this legal requirement and place you in violation of federal law. 

XXXX XXXX Compliance ( XXXX XXXX XXXX Codes ) Additionally, I am requesting written confirmation that the above fraudulent accounts and address have been updated using the appropriate XXXX XXXX ( XXXX XXXX ) reporting codes in accordance with credit industry standards and FCRA obligations. Specifically : XXXX XXXX must have been applied during the dispute process to reflect that the accounts are being investigated as identity theft claims. 


XXXX XXXX must be used to permanently delete the Bank of America and XXXX accounts from my credit file. 


XXXX XXXX must be applied to delete the fraudulent address : XXXX XXXX XXXX, XXXX, TX XXXX. 


Failure to apply these reporting codes properly constitutes a willful violation of your legal duty to ensure fair and accurate reporting under both FCRA 605B and XXXX XXXX standards. 

FINAL DEMAND This letter serves as my FINAL DEMAND that you : Immediately block and permanently delete the above fraudulent accounts and address from my credit file. 


Apply the appropriate universal reporting codes ( XXXX XXXX XXXX  ) as evidence of compliance. 


Provide written confirmation of the above actions within ten ( 10 ) days of the date of this letter. 


Failure to comply will result in : Additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ), and my State Attorney General. 


Potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees.

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