Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of Bank of America Credit Card XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. Furthermore, I have diligently contacted Bank of America numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent Bank of America credit card # XXXX in my XXXX consumer report. 

I am requesting the following actions : A thorough review of my XXXX consumer report to verify the accuracy of all information, particularly the Bank of America credit card account in question. 
If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my XXXX consumer report. 
I am cooperating fully with both Bank of America and XXXX investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with Bank of America and XXXX indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that XXXX will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. 
I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. 
Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. 
Sincerely,

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