Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act : Bank of America has furnished my non-public personal information without my consent to at least XXXX XXXX XXXX, XXXX, XXXX, and XXXX which violates my privacy. 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 section 602 XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared.

" It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. -15 USC 6801 BANK OF AMERICA , NATIONAL ASSOCIATION is a financial institution by definition under that title. 
" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. - 15 USC 1681 section 604 a section 2 BANK OF AMERICA , NATIONAL ASSOCIATION the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, BANK OF AMERICA , NATIONAL ASSOCIATION whether it be implied, non-verbal, verbal, written, or otherwise is revoked. 
" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 6802 ( b ) ( c ) BANK OF AMERICA , NATIONAL ASSOCIATION has never informed me of my right to exercise my nondisclosure option.

" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. - 15 USC 1681C ( a ) ( 5 ) This account is an adverse item they are reporting again without my permission which is against the law.

" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. - 15 U.S. Code 1681s2 ( A ) ( 1 ) A " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. - 15 U.S. Code 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures. 
" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. - 12 CFR 1016.7 This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 U.S.Code 1692k ( a ) of monetary relief of { {$1000.00} } Per Violation.

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