Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dispute Letter to Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( Last XXXX digits only ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate and Misleading Payroll-Related Reporting Affecting Housing Eligibility To Whom It May Concern, These inaccuracies have negatively impacted my eligibility and verification process for Section XXXX Housing Choice Voucher benefits and related programs administered through the XXXX XXXX XXXX XXXX XXXX ), as well as Low-Income Housing Tax Credit ( LIHTC ) determinations. I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information on my consumer report involving payroll card activity, employment classification, and income reporting connected to ADP. 

XXXX. Disputed Information I dispute the following items appearing on my credit report : Payroll card or payment-related information attributed to ADP Employment status listed or suggested as employee instead of employer Any income-related tradeline, inquiry, or employment verification derived from ADP Any data that implies earned income inconsistent with my actual rent roll records EBT payment cards are not credit accounts, and therefore should not appear on consumer credit reports as debt, revolving credit, income, or employment classification data. 

XXXX. Nature of the Error The information in question : Does not reflect my actual employment classification, Does not represent valid earned income, Has led to miscalculations affecting Section XXXX and HHA determinations, Improperly labels me as an employee, which is false, Appears to have been reported without a permissible purpose, in violation of FCRA 1681b ( f ). 

These inaccuracies have directly interfered with income-based housing assistance including Section XXXX, LIHTC eligibility, and other low-income programs that rely upon accurate reporting. 

XXXX. Legal Basis for Dispute Under the Fair Credit Reporting Act, the credit bureau must : Report only information that is accurate and verifiable ( FCRA 1681e ( b ), 1681i ) Remove unverifiable, incorrect, or misleading data Ensure that third-party furnishers ( including payroll processors ) meet permissible-purpose requirements under FCRA 1681b EBT card information does not represent credit and should not be included in a credit file. 

XXXX. Request for Investigation and Deletion Pursuant to FCRA 1681i, I request : A. A complete investigation into the disputed items including direct communication with ADP or any other furnisher. 

XXXX Deletion of any payroll representative, contractor classification, or false employment-related reporting including but not limited to : Tradelines Employment status Payroll-generated inquiries Any information implying XXXX House Representatives status XXXX Written confirmation of the results Please provide a written response and updated copy of my corrected credit report. 

XXXX. Supporting Documentation Included Identification ( ID + utility bill ) Proof of employment status or lack thereof Letters from XXXX XXXX XXXX or Section XXXX caseworker Payroll stubs indicating proper classification Any XXXX statements showing non-accredited payroll activity XXXX. Certification I certify that the above information is true and that the disputed items are inaccurate and harmful to my housing stability and income-based program eligibility. 

Sincerely, XXXX XXXX

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