Consumer complaint received 2025-06-23 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:
This complaint is submitted to formally demand regulatory intervention against Bank of America for a sustained pattern of willful, reckless, and unlawful conduct in violation of multiple provisions of federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and applicable provisions of state consumer protection statutes. 

Over the course of several years, I have lawfully provided Bank of America with clear, irrefutable evidence that the aforementioned accounts were the product of identity theft and fraud. Despite this, Bank of America has repeatedly failed to fulfill its obligations under federal law, continuing to furnish false and damaging information to consumer reporting agencies ( CRAs ), and refusing to take corrective action even after multiple formal notices and dispute submissions. 



EVIDENCE OF NOTICE AND DOCUMENTATION PROVIDED Since XXXX, Bank of America has received comprehensive documentation establishing that the disputed accounts are fraudulent, including but not limited to : Federal Trade Commission Identity Theft Reports, including latest report # XXXX, with sworn affidavit XXXX cybercrime complaints filed with the FBI Police reports filed with local law enforcement XXXXXXXX XXXX  XXXX XXXX data breach notification ( XX/XX/XXXX ), documenting that my personally identifiable information ( PII ) was compromised Multiple formal disputes submitted directly to Bank of America and to CRAs ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Certified mail delivery receipts evidencing lawful notice These submissions constitute proper and sufficient notice under 15 U.S.C. 1681c-2 ( FCRA 605B ) and 15 U.S.C. 1681s-2 ( b ). 



PRIOR REGULATORY COMPLAINT HISTORY XX/XX/XXXX, CFPB Complaint # XXXX : Bank of America failed to block or remove fraudulent tradelines despite receipt of complete documentation. 
XX/XX/XXXX, CFPB Complaint # XXXX : Bank of America again failed to take corrective action, issued conclusory denials, and falsely represented to the CFPB that its reporting was accurate. 



RECENT BAD FAITH CONDUCT On XX/XX/XXXX, Bank of America issued a written communication stating that it had completed its investigation and would continue to report the disputed fraudulent accounts as accurate. This was done in direct violation of : 15 U.S.C. 1681c-2 ( b ) : Failure to block identity theft information upon receipt of proper notice 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i : Failure to ensure accuracy of information provided to CRAs 15 U.S.C. 1692e : False and misleading representations related to debt ( to the extent BofAs reporting implies legitimacy of fraudulent debt ) 15 U.S.C. 1601 et seq. ( TILA ) : Failure to provide required disclosures regarding alleged account obligations Bank of Americas conduct reflects a knowing and intentional disregard for its legal duties, as well as a pattern of obstructing my lawful attempts to correct fraudulent reporting.

APPLICABLE STATUTORY VIOLATIONS Bank of Americas actions violate the following statutes and regulations, including but not limited to : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Failure to block fraudulent data upon proper notice 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information 15 U.S.C. 1681i : Failure to assure accuracy and integrity of information reported 15 U.S.C. 1681n : Willful noncompliance, subject to statutory and punitive damages 15 U.S.C. 1681o : Negligent noncompliance 15 U.S.C. 1692e ( FDCPA ) : False representation of debt ( where applicable ) 15 U.S.C. 1601 et seq. ( TILA ) : Failure to provide accurate, lawful account disclosures regarding an account never authorized by the consumer In addition, Bank of Americas conduct violates the intent and letter of CFPB
supervisory guidance on furnisher obligations, as well as state consumer protection laws prohibiting deceptive trade practices.

HARM SUFFERED As a direct and proximate result of Bank of Americas unlawful conduct, I have suffered : Denial of credit, housing, and financial services Increased cost of credit and insurance Emotional distress and reputational harm Loss of time, resources, and opportunity ( in excess of XXXX hours spent disputing fraudulent data )

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