Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
I HAVE DISPUTED THIS FRAUD ACCOUNTS OPENED UNDER MY NAME WITH BANK OF AMERICA SEVERAL TIMES, MY IDENTITY WAS STOLEN BACK IN 2019 WHEN I WAS NOT EVEN IN THE XXXX. MY IDENTITY WAS STOLEN AND BANK OF AMERICA ALLOWED A PEROSN OR PERSONS TO USE MY PERSONAL INFORMATION TO RECEIVE CREDIT CARD FOR XXXX LIMIT AND THREE AUTO LOANS. WHEN I RECEIVED THE INQUIRE ON MY XXXX  CREDIT FILE I FILED A POLICE REPORT AND FTC IDENTITY THEFT REPORT AND SENT IT TO THE FRAUD DEPARTMENT WITH BOA. THEN I GET A CALL LATER THAT WEEK STATING THEY HAVE CLOSED THE CREDIT CARD ACCOUNT AND REPOSSESSED THE AUTOS AS FRAUD AND I WILL NOT BE RESPONSIBLE FOR ANY DEBTS OWED. SO SEVERAL YEARS GO BY ( 5 ) AND THEN I PULL MY CREDIT AND THERE ARE 4 LOANS UNDER MY N AME WITH BAN OF AMERICA. I CALLED A SPOKE WITH A LADY WITH BOA AND SHE STATED I CAN'T TALK TO YOU BECAUSE YOU MUST TALK TO THE ESTATE SIDE OF BOA!!!! I SAID OK, SHE CONNECTED MY TO XXXX IN THE ESTATE SIDE OF BOA AND XXXX STATED I WAS DEAD ON RECORD AND THEY HAD A DEATH CERTIFICATE WITH MY NAME ON IT. I SAID WHAT, THEN SHE STATED THE CREDIT CARD ACCOUNT AND CHECKING ACCOUNT ARE DEEMED AS FRAUD AND 2 OUT OF THE THREE WERE DEEMED AS FRAUD BUT I WAS STILL RESPONSIBLE FOR ONE!!!! THEN SHE GOES TO TELL ME THIS DOESN'T MAKE ANY SENSE TO HER BECAUSE ALL THE AUTO LOANS AND CREDIT CARD WERE OPENED IN THE SAME DAY. I STATED TO XXXX AT BOA WHO SAID I WAS DEAD? SHE STATED THERE RECEIVED A REQUEST TO CLOSE AND DEEM ALL THESE ACCOUNTS THAT WERE OPEN TO BE CLOSED AS I WAS DEAD. SO XXXX REQUESTED ME TO GO TO A LOCAL BRANCH AND HABE THE MANGER OF THAT BRANCH CALL THE ESTATE SIDE OF BOA AND TELL THEM I WAS ALIVE. NOW THIS IS GETTING CRAZY, SO BOA ALLOWS SOMEONE TO STEAL AND USE MY IDENTITY TO RECEIVE CREDIT UNDER MY NAME AND THEN THEY REPORT MY AS DEAD AND THEN THEY STATE NOW IM ALIVE A YES I AM ALIVE BUT 3 OUT OF THE FOUR LOANS ARE FRAUD BUT ONE ISNT AND THEY WERE ALL OPENED IN ONE DAY. IT BLOWS MY MIND HOW THESE BANKS DO THINGS AND INVESTIGATE. I HAVE NOW FILED SUIT AGAINST BOA AND MY ATTORNEYS ARE DEALING WITH BOA ATTORNEYS CONCERNING THIS FRAUD THAT BOA ALLOWED TO HAPPEN TO ME. I FILE COMPLAINTS WITH CFPB AND FTC AND SHOW ALL THE PROOF TO THE BOA INVESTIGATOR WHICH INCLUDES POLICE REPORTS, FTC IDENTITY THEFT REPORT, INQUIRE REMOVED BY BOA AS FRAUD, DISMISSAL FROM THERE OWN ATTORNEY WITH THE NC COURTS STATING IM A VICTOM AND THIS CASE IS FRAUD BUT BOA STILL REPORTS THE ONE ACCOUNT TO MY CREDIT FILE EVERY MO AND EVERY MO THE CREDIT BUREAUS BLOCK THIS FRUAD WITH BOA AND SHOW THEM PROOF FROM BOA OWN ATTORNEYS SHOWING THE CREDIT BUREAUS THIS BOA ACCOUNT IS FRAUD. NOW ONE OF THESE ATTORNEYS THAT WORKED UNDER CONTRACT WITH BOA LEFT THAT LAW FIRM AND CONTACTED ME AND WANTS TO FILE LEGAL ACTIONS OF FINANCIAL RUINS AND CREDIT RUINS AND ABUSE AND TRADE ABUSE AND BOA ALLLOWING A BOA EMPLOYEE TO STEAL MY IDENTITY AND COVERING IT UP. BECAUSE OH I FORGET TO TELL YOU IT WAS XXXX XXXX A BOA EMPLOYEE WHO STOLE MY IDENTITY AND WAS CHARGED WITH IDENTITY THEFT AND BOA COVERED IT UP. ENOUGH IS ENOUGH AND NOW THE COURT CASE IS BEEN UNSEALED AND ITS GOING TO BE PUBLICLY SHOWN EVERY SINGLE SOCIAL MEDIA XXXX  I CAN FIND.

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