Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of XXXX I recieved a copy of my credit report assembled by XXXX that was and still is reporting false and adverse information regarding related to an account I have with the purposted furnisher of this information, Bank of America Corporation. 

On XX/XX/XXXX, I sent a detailed letter to XXXX XXXX XXXX XXXX regarding inaccuracies in my credit report ( report # XXXX ), specifically with my Bank of America account. The disputed items included incorrect amounts past due for XX/XX/XXXX ( {$1100.00} ) and XX/XX/XXXX ( {$990.00} ), and incorrect payment history for XXXX, XXXX, and XX/XX/XXXX. 

Despite my comprehensive documentation, including a marked-up copy of the consumer report ( Attachment # XXXX ) and billing statements proving no fees or past due amounts for certain items ( Attachment # XXXX ), XXXX has failed to respond or take corrective action. This is in clear violation of several FCRA provisions : Violation of Privacy Rights and Responsibilities of the CRA : As per 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), CRAs are required to respect consumer privacy and report only accurate transaction data. Equifaxs reporting of items ( XXXX ) constitutes a violation of these sections. 

Failure to Maintain Accurate Notification System : XXXX has not maintained reasonable procedures to assure the accuracy of the information, violating 15 USC 1681e ( b ) and 15 USC 1681b ( e ) ( 6 ). The reported past due amount for XX/XX/XXXX is inaccurate, as evidenced by my billing statements and contrasting reporting on my XXXX Credit Report. 

Non-Compliance in Dispute Resolution : XXXX has not followed the FCRA mandated procedures ( 15 USC 1681i ( a ) ) for dispute resolution, nor have they acknowledged potential liabilities ( 15 USC 1681o ( a ) ) or the responsibilities of information furnishers ( 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ). 

The non-response and failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates. 

Actions Taken : I provided detailed evidence challenging the inaccuracies ( Attachments # XXXX and # XXXX ). 
I clearly cited relevant FCRA sections to support my demands for correction. 
I demanded the deletion and modification of specific items in my credit report. 

XXXX XXXX from XXXX : Immediate deletion of items ( XXXX ) and ( XXXX ). 
Modification of items ( XXXX ) to reflect " Paid on Time '' or " PAANL '' ( Paid as Agreed, Never Late ).

Acknowledgement of their procedural failures and compliance with FCRA guidelines. 

As of now, XXXX has not responded to my letter, nor have they corrected the inaccuracies on my credit report. I called them shortly after the 30 day deadline to check if perhaps there was an error on my part or if they used an incorrect mailing address on file in their correspondence- they didn't even have a record of recieving the letter, despite the accurate mailing address on my letter. While I admit my mailing was not certified with the deliverer, the information nontheless continues to cause undue harm to my financial standing and emotional well-being, and I refuse to rule out the possibility of negligence on their part.

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