Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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

Complaint:
A dispute was submitted for Bank of America listing incorrect information namely the high balance on the account and also the open/ close dates and date of last payment I believe were and still are reporting incorrectly. I sent in a handwritten dispute through US certified mail to XXXX On XX/XX/XXXX and specifically listed the inaccuracies reflected on this particular account which I named above. ( Dispute letter is attached ) XXXX  received the dispute on XX/XX/XXXX according to my return receipt. Today XX/XX/XXXX I spoke with 2 representatives from XXXX over the phone. I was told by the rep XXXX who stated he was a senior supervisor. Informed me the the account from Bank of America that the dispute had been completed and that not only was the information I requested be reviewed was not updated at all. It was also updated on this account that I am now in a charge off status and that I now have a past due balance of {$1100.00}. There were also updates ( incorrect ) saying that this account was included in a dismissed bankruptcy, also incorrect it was included in Bk docket # XXXX XXXX XXXX IA Bankruptcy court. This debt has been discharged since at leastXX/XX/XXXX. When I questioned the representative XXXX about this blatant misinformation he stated to me it was nothing he could do that BofA reported the information as updated and it would remain as such. He stated to me he had access to the US government website that has all bankruptcy information. He stated to me that it was not PACER however, that it was something only a credit bureau could access. He told me if I had anything else to discuss or dispute about the account it would have to be done directly through the creditor BofA. Representatives are very hard and difficult to work with at XXXX and they often outsource the calls to overseas locations with representatives giving out completely inaccurate information. I had to specifically ask for an American representative in order to get this information. I also stated in my letter to XXXX to actually send me something with validation from the creditor BOfA, like maybe a contract, printout of charges, interest charges, as to how they came up with this balance of {$1100.00}. With that being said BofA still updated this account with inaccuracies and at this point they are in direct violation of the FCRA by reporting inaccurate information. XXXX isnt being helpful with getting this fixed either they can see this account was included in a discharged BK however even knowing that they are letting this information remain on my credit report. It seems like disputing things dont mean much if they only go with what the creditor is reporting and not having any type of validation or proof that whatever this creditor is reporting is accurate. It seems as if whatever the creditor reports thats what stays no matter if u have clear proof in which I do proving this account is reporting inaccurate information.

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 non-monetary relief