Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a formal complaint against Bank of America for reporting inaccurate and inconsistent late payments on my credit report, specifically for XXXX and XX/XX/XXXX. According to my XXXX report dated XX/XX/XXXX, the account shows missed payments in those two months, which is false. 

I was never late during this period, and I have documentation to support this claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). If this is not resolved promptly, I am prepared to contact XXXX XXXX XXXX, which helps consumers sue creditors and credit bureaus for illegal and negligent credit reporting. 

Key Issues : Inaccurate Reporting of Late Payments Bank of America has reported me as late for XXXX and XX/XX/XXXX on my XXXX credit report, yet I made my payments on time. These false marks are damaging my credit score and reputation without justification. 

Additionally, no data is currently shown for XXXX or XXXX, further indicating inconsistency and incomplete reporting. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Bank of America failed to ensure that the information reported to XXXX was accurate. Reporting late payments that never occurred violates this core FCRA requirement. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Furnishers may not report information they knowor should knowis inaccurate. Bank of America has reported false late payments despite having accurate payment records available. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputed Information : I am disputing this information. Bank of America must conduct a reasonable investigation. If they can not verify the late payments with documented proof, they are legally required to remove them. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) Furnisher Duties After Receiving a Dispute : Upon being notified of a dispute, Bank of America must : Investigate the matter fully, Review all relevant documents, Report accurate results to the credit bureaus, and Correct or delete any unverifiable information.

To date, they have failed to meet these legal duties. 

Prepared to Take Legal Action If this matter is not resolved quickly, I will move forward by contacting XXXX XXXX XXXX to pursue litigation under the FCRA. This firm assists consumers in holding creditors and credit bureaus accountable for illegal or negligent reporting. 

Legal Precedent Supporting This Complaint Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : The court ruled that furnishers must conduct a real investigation when a consumer files a dispute. Bank of Americas continued reporting of false data without investigation violates this.

Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) : A creditor can be held liable for failing to correct inaccurate information after being notified. Bank of Americas failure to act puts them in breach.

Richardson v. Equifax, 2007 WL 4245407 ( E.D. Mich. 2007 ) : Courts have ruled that inaccurate, unverified reporting without investigation constitutes a willful FCRA violation.

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 monetary relief