Disagree. Although thoughts can be a human act, to be so they must be deliberate and willful. Stray or spontaneous thoughts that come to mind, which we do not choose, are not sins; they are only temptations. If, however, we recognize that this thought is sinful and despite that judgment choose to engage in it, then we have indeed sinned.
That's Roman Catholic dogma...not NT teaching.
The passage from Colossians I posted prior has the following verb.
exaleipsas
As used in the passage it is an aorist, participle, active.
The aorist tense has no time associated with it. It generally conveys undefined action other than the action has happened. In this case blotted out is the action and refers to the decrees against us.
The voice is active indicating who is doing the action. In this case it is God Who is doing the action.
The participle indicates an ongoing action.
The next key verb to look at is "He has taken" ērken.
This is a perfect, indicative, active verb.
The perfect tense indicates an action that occurred in the past has ongoing impact from the time of the speaker/writer.
Paul is noting that God has perfectly removed the decrees against us....all of them. And He continually does this.
The word for transgressions includes those that are unconscious, non-deliberate ones....what RCs might call "venial". It also includes all transgressions including what RCs might call "mortal" sins.
The meaning of blotted out means they are completely removed...rubbed out....gone.
As Paul notes...they have been nailed to the cross.
Our sins....all of our sins, are completely forgiven when we profess faith in Christ.
And yet Jesus himself is quite insistent that we will be judged according to our actions. A challenge: prove “by faith alone” by the words of Jesus in the gospel. Remember to include all the times that he warns us about being judged. It will not be good enough to show the we need faith. That is not in dispute. If salvation by faith alone were the message of the gospel, then it should be clear by our Lord’s words alone.