Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT Formal Dispute, Legal Violations, and Demand for Immediate Deletion and Monetary Compensation Bank of America ( Acct Ending XXXX ) To Whom It May Concern, This letter is a formal dispute and legal demand related to your continued reporting of a Bank of America account ( ending in XXXX ) on my XXXX  credit file. 
This account was charged off in XXXX, marked as a Profit and Loss Write-Off, and last paid in XX/XX/XXXX. Despite this, you are still reporting an inflated balance of {$910.00} and reflecting an open derogatory tradeline. Furthermore, Bank of America has confirmed that no IRS Form 1099-C was ever issued. A Bank of America representative recently confirmed by phone that a 1099-C has never been issued in my name for this account, despite it being charged off and written off in XXXX. 
Your reporting is false, deceptive, and in direct violation of multiple federal laws and industry standards, including but not limited to : 1. FCRA 1681e ( b ) Failure to maintain procedures to ensure maximum possible accuracy.

2. FCRA 1681i ( a ) Failure to conduct a proper reinvestigation after dispute.

3. FCRA 1681s-2 ( b ) Continuing to report inaccurate and incomplete data after being notified by the furnisher and consumer.

4. FCRA 1681n & 1681o You are liable for willful and negligent noncompliance with the FCRA.

5. Metro 2 Guidelines Reporting a profit and loss write-off while still listing an outstanding balance directly contradicts data standards for charged-off accounts.

6. Defamation of Character and Financial Injury Your reporting falsely portrays me as delinquent on a debt that is either uncollectible or should have been marked canceled.

7. Emotional Distress and Reputational Harm Your reporting has impaired my ability to obtain credit and caused unnecessary stress and humiliation. 
Despite clear evidence that this account is inaccurate, outdated, and contradictory, you continue to allow this item to appear on my report. Your failure to remove itespecially after a direct notice of legal defectsrises to the level of willful disregard for federal consumer protection law. 
DEMAND FOR RELIEF : I am demanding the following within XXXX business days of receipt of this letter : - The immediate and permanent deletion of the Bank of America XXXX ( account ending in XXXX ) from my TransUnion credit file. 
- Written confirmation that the account has been fully removed. 
- A monetary settlement of {$5000.00} to compensate for the legal violations, damage to my credit profile, financial injury, and emotional harm. 
Failure to comply will result in my immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Michigan Attorney General, and the initiation of binding arbitration and/or civil litigation seeking full statutory, punitive, and actual damages. 
This is your final warning and opportunity to correct your unlawful conduct before formal legal action is pursued. 
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