Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6175874

Complaint Overview

Complaint ID: 6175874

Company: Bank Of America, National Association

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Missouri

ZIP Code: 65101

Date Received: 2022-11-07T12:00:00-05:00

Date Sent to Company: 2022-11-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I was notified on XX/XX/2022, by XXXX XXXX XXXX that someone had fraudulently used my identity to secure an Ink account in my name on XX/XX/2022. They closed the account, and I have been chasing ripples from my identity theft since. I have made a police report to my local police department, XXXX XXXX MO XXXX ( XXXX. XXXX XXXX # XXXX, report # XXXX ), and I have submitted an Identity Theft Report ( # XXXX ) to the FTC. I have frozen all of my credit reports, and have placed a 1 year fraud alert on all three of my credit reporting accounts. In reviewing my credit reports from the 3 major consumer credit reporting agencies, I noticed a hard inquiry from Bank of America dated XX/XX/2022. This was not me, it was an inquiry generated from the identity theft. I disputed the inquiry, since it was due to the identity theft. BOA reviewed their records and confirmed that the information they reported to the consumer reporting agencies is correct. They will not remove the fraudulent inquiry from my credit report, and consider the dispute resolved.

Frequently Asked Questions

What is Complaint #6175874 about?

Complaint #6175874 was filed against Bank Of America, National Association regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-11-07T12:00:00-05:00.

How did Bank Of America, National Association respond to this complaint?

The company responded with: "Closed with explanation". The response was timely.

What is the risk level of this complaint?

See the risk assessment section for details on this complaint's risk profile.

How do I file a similar complaint?

You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.

Can I see other complaints against Bank Of America, National Association?

Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages