Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the consumer on multiple charge-off accounts that are being reported to all three major credit bureaus by Bank of America XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Despite these accounts referring to the same underlying debts, each credit bureau is showing completely different and contradictory information for the same accounts. 

* * Timeline of Events : * * * * XXXX : * * I opened several credit card accounts and XXXX unsecured loan with the creditors listed above. Due to financial hardship, I fell behind on payments between XXXX and XXXX. The accounts were subsequently charged off by the creditors. 

* * XXXX : * * The accounts were charged off and reported as derogatory across all three credit bureaus. However, I noticed significant inconsistencies in how the same account information was being reported. 

* * XXXX : * * I began reviewing my credit reports more carefully and discovered systemic inconsistencies across all three bureaus for the same accounts, including : - Different dates of last payment ( some showing XX/XX/XXXX, others showing XX/XX/XXXX, others showing XX/XX/XXXX for the same account ) - Different dates of last activity - Contradictory account closure reasons ( XXXX bureau says I closed the account, another says the creditor closed it, another says it was charged off ) - Different credit limits and high balances being reported for the same account - Late payment codes continuing to appear AFTER the charge-off date and after the date of last payment * * Specific Examples of Inconsistencies : * * * * Example XXXX - Bank of America Account XXXX XXXX XXXX XXXX * * - XXXX  shows Date of Last Payment as XX/XX/XXXX - XXXX  shows Date of Last Payment as XX/XX/XXXX - XXXX  shows Date of Last Payment as XX/XX/XXXX - XXXX  shows Date Last Active as XX/XX/XXXX - XXXX  shows Date Last Active as XX/XX/XXXX - XXXX  shows Date Last Active as XX/XX/XXXX The same account can not have XXXX different dates for when the last payment was made. This is a factual, historical event that occurred on XXXX specific date. 

* * Example XXXX - Account Status Contradictions : * * The same Bank of America accounts show different closure narratives : - XXXX bureau says " Account closed by consumer '' - Another bureau says " Credit line closed - consumer request '' - Another bureau says " Charged off account '' - Some show " Consumer disputes this account information '' An account can not be simultaneously closed by me, closed by the bank, and charged off with disputed information. These are mutually exclusive events. 

* * Example XXXX - Illegal Re-Aging Through Post-Charge-Off Late Codes : * * Most concerning is that the payment history grids show NEW late payment codes ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  days late ) appearing in months AFTER the account was charged off and AFTER the stated date of last payment. 

For instance, on XXXX account the Date of Last Payment is listed as XX/XX/XXXX, yet the payment history shows delinquency codes appearing in XX/XX/XXXX, XX/XX/XXXX, and beyond. This is impossible- a charged-off account with no payment activity can not generate new late payments. 

This practice illegally re-ages the debt and makes it appear that negative activity is more recent than it actually is, which damages my credit score and may improperly extend the seven-year reporting period. 

* * My Dispute Efforts : * * * * Early XXXX : * * I filed disputes through XXXX, XXXX, and XXXX, specifically pointing out these inconsistencies and requesting that the furnishers correct or delete the inaccurate information. 

* * Response Received : * * Each credit bureau responded that they contacted the furnisher and the information was " verified as accurate. '' However, NONE of the inconsistencies were corrected. The accounts still show different dates, different statuses, and different comments across all XXXX  bureaus. 

The furnishers ' " verification '' without correction suggests they did not conduct a reasonable investigation, as a proper investigation would have revealed that XXXX different versions of the same factual events can not all be accurate simultaneously. 

* * Ongoing Harm : * * These inaccurate reports continue to damage my credit. The inconsistent information makes it impossible for me to : - Verify the accuracy of my credit reports- Understand my true credit standing - Determine when these accounts should fall off my credit reports under the XXXX-year rule - Challenge inaccuracies effectively when the furnisher reports different " facts '' to different bureaus Additionally, the post-charge-off late payment codes make my credit history appear worse than it actually is and may be used by credit scoring models to lower my scores unfairly. 

* * What I'm Requesting : * * I am requesting that the CFPB investigate these furnishers for systematic FCRA violations and require them to either : XXXX. Delete these accounts entirely due to their inability to report accurate, consistent information, XXXX XXXX. Immediately correct all accounts to show uniform, accurate information across all three bureaus, including : - Consistent dates of last payment and last activity - Removal of all late payment codes added after the charge-off date - Consistent account status and closure reasons- Accurate credit limits and balances - Proper Date of First Delinquency for calculating the seven-year reporting period The furnishers have demonstrated they can not maintain accurate records or report consistent information. This pattern of contradictory reporting violates my rights under the Fair Credit Reporting Act and causes ongoing credit harm.

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