Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13293489
Incorrect Identity Information on Credit Report
Complaint Overview
Complaint ID: 13293489
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Minnesota
ZIP Code: 55425
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to incorrect personal information on a credit report, which is a common consumer concern with established resolution processes.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13293489 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, which was closed with an explanation. The complaint was received on April 30, 2025 from Minnesota. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information, providing consumers with rights to dispute inaccuracies.
Regulatory Insight
This case highlights the importance of credit furnishers having robust processes to prevent and correct identity-related errors on consumer reports.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Minnesota, a state that adheres to federal credit reporting laws.
Industry Comparison
This is a common issue across the credit reporting industry, with many consumers experiencing similar problems with identity errors on their reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13293489 about?
CFPB complaint 13293489 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on April 30, 2025.
Which company is complaint 13293489 filed against?
Complaint 13293489 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 13293489?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13293489 filed?
Complaint 13293489 was received by the CFPB on April 30, 2025. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on May 1, 2025.
What state was complaint 13293489 filed from?
Complaint 13293489 was filed from Minnesota. You can view all complaints from this state at /state/MN.
Was the consumer satisfied with the resolution of complaint 13293489?
Dispute information is not available for complaint 13293489.
What product category is complaint 13293489 about?
Complaint 13293489 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13293489 submitted?
Complaint 13293489 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13293489?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information, providing consumers with rights to dispute inaccuracies. This relates to a Credit reporting or other personal consumer reports complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Incorrect information on your report".
How likely is complaint 13293489 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13293489?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal information on a credit report, which is a common consumer concern with established resolution processes.
What regulatory actions apply to complaint 13293489?
This case highlights the importance of credit furnishers having robust processes to prevent and correct identity-related errors on consumer reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13293489?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 13293489?
The complaint originated in Minnesota, a state that adheres to federal credit reporting laws. This complaint was filed from Minnesota.
How does complaint 13293489 compare to industry norms?
This is a common issue across the credit reporting industry, with many consumers experiencing similar problems with identity errors on their reports.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and the creditor that reported it, providing evidence of the error.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the 30-day period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.