Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
* * Product : * * Checking or savings account * * Issue : * * Incorrect information on report * * Company : * * XXXX , Inc. / Bank of America * * Complaint : * * I am submitting a formal complaint regarding inaccurate, incomplete, and unverifiable information being reported on my XXXX XXXX file. The account in question is reported by Bank of America with the following details : * Account Number : XXXX * Reported Date : XX/XX/XXXX * Amount : {$12.00} * Reported Status : Unpaid * Reported For : Suspected Fraud Activity I dispute this account in its entirety. First, the classification of suspected fraud activity is a serious allegation that requires substantial supporting documentation. No documentation or evidence has been provided to me despite my dispute. Reporting such a designation without verifiable proof raises significant concerns regarding accuracy and compliance. Second, during a phone call with Bank of America, I was informed of additional amounts allegedly owed that do not appear on my ChexSystems report. This creates a clear inconsistency between what is being reported to a consumer reporting agency and what is being claimed internally by the furnisher. Under the Fair Credit Reporting Act : * * * 15 U.S.C. 1681e ( b ) * * requires maximum possible accuracy. Reporting partial or inconsistent balances is not compliant. * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * requires a reasonable reinvestigation of disputed information. Reliance on the furnisher alone does not satisfy this requirement. * * * 15 U.S.C. 1681i ( a ) ( 5 ) * * requires deletion of information that can not be verified. * * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * requires disclosure of the method of verification. I am requesting the following : 1. Full documentation supporting the suspected fraud activity claim, including any agreements, account records, or evidence of alleged fraudulent conduct 2. A complete accounting of all balances Bank of America claims are owed, including those not reported to ChexSystems 3. A detailed description of the method of verification used 4. Immediate deletion of this account if it can not be fully verified with competent evidence This account reflects a minimal reported amount ( {$12.00} ) while carrying a highly damaging fraud designation, and now appears to involve undisclosed balances. This raises serious concerns regarding the completeness and integrity of the reporting. If this matter is not resolved promptly, I am prepared to pursue additional remedies, including filing complaints with my state Attorney General and seeking legal action for violations of the Fair Credit Reporting Act. I request a prompt investigation and written confirmation of the outcome. * * Consumer Information : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer ID : XXXX Phone : XXXX Email : [ XXXX ] ( 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