Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally dispute an account that appears on my XXXX  consumer file. I have no knowledge of this account, have never opened it, and the Social Security Number associated with it does not match mine in any way. Attached is my Identity Theft Report, filed in accordance with the FTC requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., affirming that I am a victim of identity theft and that this account is fraudulent. 

BANK OF AMERICA GEORGIA OPEN DATE XX/XX/XXXX CLOSED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX BANK ROUTING XXXX Because this is an instance of identity theft, I am requesting the following under my rights granted by federal law : 1. Request for All Documentation, Contracts, and Evidence Under FCRA 609 ( e ), I am requesting all records related to the fraudulent account, including but not limited to : Applications Contracts allegedly bearing my signature Transaction records Any identifying information used to open or maintain the account All communications and data provided by the reporting bank If you do not have this information, please provide a written statement confirming that you can not furnish it.

2. Request for Reinvestigation and Immediate Removal Under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding a reinvestigation and deletion of this inaccurate and fraudulent information.

Because I have supplied an Identity Theft Report, XXXX  is required under FCRA 605B to block and remove all fraudulent information within four ( 4 ) business days of receiving : 1. My written dispute 2. My proof of identity 3. My Identity Theft Report The account being reported is incomplete, inaccurate, unverifiable, and the result of identity theft, which legally requires deletion.

3. Notice Regarding Verification A bank employee simply seeing my name on a screen does not constitute verification or validation of any alleged debt.

Under the FCRA, you must obtain actual records proving I opened the account.

If the furnishing bank can not produce original documentation, the information must be deleted.

4. Notice of Liability for Non-Compliance Failure to comply with the FCRA, including failure to reinvestigate or block fraudulent information, may constitute willful non-compliance under FCRA 616 and negligent non-compliance under FCRA 617, making your agency liable for damages. 

I am maintaining copies of all correspondence for potential submission to : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The State Attorney Generals Office Should XXXX  or the reporting bank fail to comply with federal law, I will seek all available legal remedies.

5. Requested Action I am asking that XXXX  : 1. Immediately block and remove the fraudulent account under FCRA 605B.

2. Provide me with written confirmation of deletion.

3. Supply copies of all evidence used to verify the account, if any exists.

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 non-monetary relief