Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
Subject : Formal FCRA, XXXX XXXX, and CARES Act Violation Complaint Inaccurate Credit Reporting by [ Bank of America ] Consumer : [ XXXX XXXX XXXX XXXX ] Date of Birth : [ XX/XX/XXXXXXXX  ] Account Number ( Last 4 ) : XXXX Disputes Previously Filed With : XXXX XXXX XXXX Date Range Involved : XX/XX/XXXX Present Narrative Summary : This complaint concerns materially inaccurate, misleading, and noncompliant credit reporting by Bank of America regarding an account that was negatively reported despite clear contradictions in the payment records, missing delinquency sequence data, and noncompliance with federal consumer protections under the CARES Act and Fair Credit Reporting Act ( FCRA ). 

The following violations and inconsistencies form the basis of this complaint : 1. Falsified or Contradictory Payment History Bank of America reported that payments were being made on the subject credit account from XX/XX/XXXX through early XXXX. However, I maintained a single checking account at that time ( with Bank of America ), and no payments, drafts, or debits were recorded toward this credit card during that period. 

Despite this, the account was reported as both current and late during the same span, with no evidence of returned payments, NSF entries, or cancellations. This creates an inherently contradictory reporting record, in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 1681e ( b ) : Failure to establish or follow reasonable procedures to assure maximum possible accuracy FCRA 1681s-2 ( b ) ( 1 ) ( D ) : Failing to correct known errors after dispute notification A credit account can not lawfully be reported as both paid and delinquent in the same period, particularly when banking records prove no payment activity occurred. 



XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Format Violation The account was reported as : 30 days late in XXXX XXXX 60 days late in XXXX XXXX 120 days late in XX/XX/XXXX The required 90-day late status was omitted. This breaks the standard delinquency sequence protocol in the XXXX XXXX Format Guide ( Section 7.2.1 ) and falsely accelerates derogatory reporting, which can materially damage a consumers credit profile. Under FCRA 1681e ( b ), this constitutes inaccurate and misleading reporting. 



3. Repeated Charge-Off Reporting Beyond Permissible Format After the initial charge-off in XX/XX/XXXX, the account continues to reflect a charge-off status in subsequent months, including multiple instances in XXXX. This falsely implies multiple or ongoing charge-offs, which is not permitted. 

XXXX XXXX guidance ( Section 6.18 ) mandates that charge-offs be recorded once, in the month they occur, not repeated across multiple months or years. Reporting the same derogatory event multiple times violates : FCRA 1681s-2 ( b ) : Failure to stop furnishing inaccurate or unverifiable data FCRA 1681XXXX ( b ) : Misleading reporting procedures 4. CARES Act 4021 Violation Improper Handling of COVID-19 Hardship As a consumer who was financially impacted by the COVID-19 pandemic and in good standing prior to XX/XX/XXXX, I was entitled to accommodation under the CARES Act. However, the creditor failed to : Offer or document any accommodation or forbearance Maintain the current status as required by CARES Act 4021 Inform the CRAs that the account was under protected status This omission led to damaging derogatory entries that should not have appeared under federal COVID-19 relief policy.

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