Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Demand for Removal of Bank of America Account # XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violations After Failed Reinvestigation Dear [ XXXX ] XXXX I am writing to dispute inaccurate and unverifiable information on my credit report regarding a Bank of America account XXXX pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously requested reinvestigation of this account, but the inaccuracies persist, constituting multiple violations of federal law. I demand the immediate removal of this account from my credit report due to its inaccurate and unverifiable nature. 

Account Details ( as reported by [ XXXX XXXX XXXX XXXX XXXX : Bank of America Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX * XXXX for XXXX  ] Account Type : Revolving ( XXXX XXXX XXXX ) Account Status : Derogatory Payment Status : [ Unknown for XXXX  ; Collection/Chargeoff for XXXX  ] XXXX Opened XXXX [ XX/XX/XXXX for XXXX  ; XX/XX/XXXX for XXXX  ] Date Last Active : XXXX XX/XX/XXXX for XXXX  ; XX/XX/XXXX for XXXX  ; XX/XX/XXXX for XXXX  ] Last Reported XXXX [ XX/XX/XXXX for XXXX ; XX/XX/XXXX for XXXX  ] Date of Last Payment : [ XX/XX/XXXX for XXXX  ; Not Reported for XXXX  ; XX/XX/XXXX for XXXX  ] Balance : {$0.00} High Credit : [ {$650.00} for XXXX XXXX {$0.00} for XXXX  ] Credit Limit : [ {$500.00} for XXXX XXXX {$0.00} for XXXX  ] XXXX : [ XXXX  : " XXXX XXXX bankruptcy XXXX Account has been closed due to XXXX '' ; XXXX  : " Unpaid balance reported as a loss by XXXX XXXX, Debt included in or XXXX through Bankruptcy XXXX  XXXX, XXXX, or XXXX '' ; XXXX  : " Bankruptcy XXXX  XXXX, Included in bankruptcy '' ] FCRA Violations and Grounds for Removal XXXX The Bank of America account contains multiple inaccuracies that were not corrected despite my prior reinvestigation requests, violating the following FCRA provisions : Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The account is reported as " Derogatory '' with conflicting payment statuses ( " Unknown '' vs. " Collection/Chargeoff '' ) despite a {$0.00} balance and no past-due amount. The " Collection/Chargeoff '' status ( XXXX  ) is inconsistent with the paid status and closure due to inactivity. 



False Bankruptcy Comments ( 15 U.S.C. 1681e ( b ) ) : The comments referencing " XXXX XXXX bankruptcy '' and " Debt included in or discharged through Bankruptcy XXXX XXXX, XXXX, or XXXX '' are false, as [ I have not filed for bankruptcy/ this account was not included in a bankruptcy ]. These remarks severely misrepresent my creditworthiness. 



Inconsistent XXXX XXXX XXXX ( 15 U.S.C. 1681e ( b ) ) : The account shows conflicting account numbers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opening dates, last active dates, last reported dates ( including XXXX erroneous XX/XX/XXXX ), and high credit/credit limit amounts. These discrepancies violate accuracy requirements. 



Failure to Conduct Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Despite my prior disputes, the inaccuracies remain, indicating your agency failed to conduct a reasonable reinvestigation within 30 days.

Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If Bank of America can not verify the accounts details ( e.g., bankruptcy inclusion, chargeoff status, or conflicting dates ), the account must be deleted. 



Furnisher Violations ( 15 U.S.C. 1681s-2 ( b ) ) : The creditors failure to correct inaccurate information after my disputes, as forwarded by your agency, violates their duty to investigate and correct errors.

Willful or Negligent Noncompliance ( 15 U.S.C. 1681n, 1681o ) : The continued reporting of these errors, particularly the false bankruptcy comments, suggests willful or negligent noncompliance, potentially entitling me to damages for harm to my credit profile. 

These inaccuracies, especially the false bankruptcy remarks, may have caused significant harm, such as credit denials or reduced creditworthiness.

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