Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states 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. The Fair Credit Reporting Act 15 USC 1681 section 602 a states 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 XXXX  Bank of America and XXXX is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that 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. XXXX, Bank of America and XXXX, XXXX, XXXX and XXXX do not have my consent to report my information, any and all consents whether verbal, non-verbal, written, implied or otherwise is revoked. XXXX Bank of America XXXX and XXXX  this account is reported as a charge off, according to 15 USC 1681 and the Privacy Act of 1974 recognize charge offs as certificate of indebtedness, that is considered income and income is not reported on credit reports and must be removed. XXXX, Bank of America XXXX and XXXX did not inform me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says 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 This account is an adverse item they are reporting again without my permission which is against the law. Remove all hard inquiries. According to 15 USC 1681b They need your written consent to add anything to your consumer report if you did not give the authorization that is a violation of the Fair Credit Reporting Act. 15 USC 1681s-2 ( A ) ( 1 ) A States 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 1681e states 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.

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