Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, XXXX, and XXXX of XXXX, Bank of America erroneously reported that I was thirty days delinquent on my credit card account. These entries are categorically false, as I have consistently maintained timely payments on all credit accounts and loans. I became aware of this issue after observing an unanticipated and substantial decline in my credit score. 

Upon reviewing my XXXX  credit report, I identified three thirty-day late payment entries, in addition to further inaccurate notations : one for sixty days late and one for ninety days late, all associated with the same credit card account. Between XXXX and XX/XX/XXXX, I initiated multiple communications with Bank of Americas customer service to formally dispute these inaccuracies. 

During a telephone interaction in XX/XX/XXXX, a Bank of America representative admitted that an internal error had adversely affected multiple customers. The representative acknowledged that a former employee had mishandled account data, resulting in the widespread dissemination of incorrect delinquency information to the credit reporting agencies. Bank of America subsequently corrected the sixty-day and ninety-day late payment entries ; however, the three thirty-day late payment entries for XXXX, XXXX, and XXXX XXXXstemming from the same internal errorremain uncorrected. 

It is particularly concerning that Bank of America presented the correction of the sixty-day and ninety-day delinquencies as a discretionary action, despite these entries being factually erroneous and validated as such in their internal review. Despite repeated attempts to escalate this matter with both Bank of America and XXXX, the three thirty-day delinquencies persist on my credit file. Moreover, my formal dispute submitted via XXXX dispute portal was returned as verified, directly contradicting Bank of Americas prior acknowledgment of the error. 

This inaccurate reporting has caused demonstrable and ongoing harm. In early XXXX, I was denied mortgage approval due to the misrepresentation of my credit history. The financial loss, diminution of opportunities, reputational damage, and emotional distress resulting from Bank of Americas negligent reporting have been substantial and continue to affect my financial well-being. 

In addition to correcting the inaccuracies on my credit file, I am formally requesting that the CFPB conduct a full investigation into Bank of Americas practices regarding the reporting of account information to credit reporting agencies to ensure compliance with all applicable regulations.

To remediate this issue, I am requesting the following actions : 1. Immediate and permanent removal of the erroneous thirty-day delinquency notations for XXXX, XXXX, and XX/XX/XXXX. 
2. Formal written confirmation from Bank of America documenting the comprehensive corrections made to my credit profile.

3. Recalculation of my credit score to accurately reflect my timely payment history.

4. Compensation for the sustained financial, professional, and emotional damages caused by the negligent and false reporting.

5. A thorough investigation by the CFPB into Bank of Americas reporting practices to the credit bureaus.

This matter requires urgent attention, as the continued presence of these inaccuracies materially misrepresents my creditworthiness and exacerbates ongoing harm. I respectfully request that the CFPB intervene to ensure that Bank of America rectifies these errors in their entirety and that a comprehensive investigation is conducted.

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