Consumer complaint received 2015-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written to Bank of America multiple times, including to the office of the CEO, to request a goodwill deletion of some prior late payments and they have denied my requests multiple times, including a review and denial from an account representative from the office of the CEO. I am aware that they have no obligation to remove late payments simply because I requested them to, but to deny my request on the basis of reporting information correctly while continuously reporting incorrect information is both hypocritical and angering. I have disputed this false reporting with XXXX, XXXX, and XXXX and I have received information from these bureaus that they have " verified '' this information as correct. For Bank of America to knowingly, willingly, and continuously report and confirm inaccuracies as factual is both damaging to my credit profile and a violation of the Fair Credit Reporting Act. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Account Designator : Closed '' on my XXXX credit report. This account was paid in full XXXX and should be reported as " Paid and Closed ''. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) for failing to disclose the date of first delinquency on my XXXX credit report. 

Bank of America shows that the account was closed XXXX but has reported a late payment in XXXX on my XXXX, XXXX, and XXXX credit reports. I would like them to verify that a statement was sent to me in regards to that " late payment '' and also explain how a closed account can have late payments. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Account Designator : Closed '' on my XXXX credit report. This account was paid in full XXXX and should be reported as " Paid and Closed ''. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency by showing that the account was closed and opened multiple times on my XXXX credit report. I never agreed to such account activity and would like Bank of America to explain why they are reporting my account this way. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) for failing to disclose the date of first delinquency on my XXXX credit report. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) for failing to disclose the date of first delinquency on my XXXX credit report. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency by showing that the account was closed and opened multiple times on my XXXX credit report. I never agreed to such account activity and would like Bank of America to explain why they are reporting my account this way. 

Bank of America violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Account Designator : Closed '' on my XXXX credit report. This account was paid in full XXXX and should be reported as " Paid and Closed ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation