Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

To Whom It May Concern : I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. However, I am aware that many disputes are processed using automated software like XXXX which can lead to mistakes and limitations in conducting a thorough investigation. Therefore, I am disputing the following information directly with you, the furnisher of this information, and requesting that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) Section 623 and enforceable by FACTA Section 312. After conducting some research, I understand that I am legally protected against such inaccuracies. This letter serves as a formal dispute under the Fair and Accurate Credit Transactions Act ( FACTA ) section 312. According to this law, I have the right to dispute credit information directly with you, bypassing the credit bureaus. I have already gone through the so-called investigation process with the credit bureaus, but now I am exercising my right to dispute this matter directly with you. If you are unable to perform a reasonable investigation or can not locate the necessary documents to investigate my dispute, you are required by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. If you conduct a proper investigation and confirm that the information is accurate and complete, please provide me with an explanation of the methods used and a description of the records reviewed. Additionally, please send me a copy of the information so that I can verify the accuracy of your records. This letter was prepared and sent by me independently, and I request that all correspondence regarding this dispute be returned to me at the address listed above. This letter is an effort to correct any false or misleading information you are reporting on my credit reports and to correct your records. Specifically, I am disputing the following aspects of the account : All balances and amounts reported. 
All dates reported. 
Any prior payment history reported. 

I am questioning the accuracy and completeness of this account 's information as reported by your company. 

XXXX XXXX Account Number : XXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXX XXXX  Account Number : XXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

BK OF AMER Account Number : XXXX My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.