Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a formal complaint against Bank of America and XXXX  for inaccurate, misleading, and legally noncompliant credit reporting under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Illegally Re-aged Account : Bank of America is reporting a past-due balance of {$810.00} as of XX/XX/XXXX, even though my last payment was on XX/XX/XXXX, and the account became delinquent shortly after. This is a clear violation of FCRA 605 ( c ), which prohibits re-aging debt to make it appear more recent and extend its time on my report. The correct charge-off timeline began no later than XX/XX/XXXX, and this account should be removed by XX/XX/XXXX. 
XXXX. Inaccurate Late Payment Reporting : XXXX  is displaying XXXX months of consecutive late payments from XXXX through XX/XX/XXXX after the account had already been charged off. Once a charge-off occurs, it is inaccurate and deceptive to continue showing new missed payments. These red marks continue to harm my payment history and score every month for a debt that was written off over a year ago. 
XXXX. Contradictory Account Status : The account is listed both as " charged off '' and " closed at consumers request. This is contradictory. If I closed the account voluntarily, it should not be charged off. If it was charged off, it wasnt closed at my request. This is inconsistent and violates FCRA 623 ( a ) ( 1 ) ( A ) requiring that information reported be accurate.

4. Harm to My Credit Score : Because of this false and outdated information, my credit score is being artificially suppressed by XXXX points or more. I am being treated as though Im actively defaulting, despite this being an old charge-off. My payment history ( 35 % of my score ) is repeatedly damaged due to re-reporting of missed payments that do not legally or factually exist. 
I have previously disputed this information with XXXX, and it was verified with no correction, despite clear documentary evidence ( attached ). 

In the meantime, I am also formally requesting that Bank of America and XXXX  cease reporting this account to all credit reporting agencies while this dispute is under investigation, as allowed under the FCRA when the information being reported is in dispute and potentially materially inaccurate. 
I am requesting that the CFPB intervene to compel Bank of America and XXXX  to : Correct the delinquency and charge-off reporting to reflect the actual timeline ( delinquency began XX/XX/XXXX ). 
Remove all late payments reported after the charge-off date. 
Remove the {$810.00} past due label as of XXXX, which is materially false. 
Delete the account entirely if they can not furnish legally accurate data per FCRA standards. 
This account, as currently reported, is severely damaging my credit and misrepresents my financial history. I am asking for a full investigation and corrective action under CFPB oversight.

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