Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Subject : Coordinated false reporting, non-verification, and retaliation BoA phantom tradeline, XXXX XXXX XXXX  % error, XXXX XXXX late-marks, duplicate auto inquiries ; systemic FCRA/Reg V violations Complainant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX Phone : XXXX XXXX Summary XXXX XXXX XXXX persist in reporting false, unverifiable, and harmful information despite numerous disputes and XXXX CFPB complaints. The core harm is a phantom Bank of America ( BoA ) tradeline that the furnisher can not locate or verify, yet bureaus still publish as XXXX, inflating utilization and damaging my score. XXXX  also shows a XXXX XXXX XXXX XXXX utilization error ; XXXX  keeps XXXX late marks on a fully paid XXXX account ; both bureaus list duplicate auto inquiries. Together this demonstrates a systemic pattern of willful non-compliance, bias, and retaliation, in violation of FCRA 604 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) ( 2 ) and Reg V 1022.43 ( b ) ( 3 ). 



Issue XXXX Bank of America ( Secured XXXX XXXX XXXX XXXX XXXX XXXX ) : unverifiable phantom tradeline, re-aging, utilization harm Closed : XX/XX/XXXX. 
Still reported by XXXX XXXX XXXXn as XXXX & Loss Write-Off / Charge-Off with {$3000.00} limit and {$1200.00} XXXX, artificially inflating utilization ( XXXX % ) on a closed charge-off. 
Payment grid shows continuing XXXX codes into XXXX re-aging / post-closure reporting. 
BoA branch visits ( XXXX  ) : staff could not locate any account under my name/SSN/card ; verbally confirmed no record/ no debt. 
XXXX  removal window ( XXXX XXXX XXXX ) : tradeline removed ; XXXX continue unverified reinsertion/continuation. 
No Account in Dispute ( XB ) despite active disputes/CFPB cases.

Violations : FCRA 607 ( b ) ( accuracy ), 611 ( a ) ( investigation ), 623 ( a ) ( 2 ) ( duty to correct/update ), 611 ( a ) ( 5 ) ( B ) ( re-insertion ), Reg V 1022.43 ( b ) ( 3 ) ( immediate correction/suppression ). 



Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reports {$1000.00} / {$1000.00} = XXXX XXXX XXXX  verified actual = {$210.00} / {$1000.00} XXXX  % ( confirmed by Indigo ; XXXX shows XXXX ). 
XXXX  ignored dispute after my call and refused off-cycle correction. 

Violations : FCRA 607 ( b ) ; Reg V 1022.43 ( b ) ( 3 ). 



Issue XXXX XXXX XXXX XXXXXXXX XXXX ( Paid/Closed XX/XX/XXXX ) : XXXX false late-marks XXXX  still shows XXXX lates and XXXX codes ; XXXX XXXX Paid as agreed/Obligation satisfied .

Continued publication after closure and against furnisher outcome harms my score.

Violations : F

CRA 607 ( b ) ; 623 ( a ) ( 2 ). Issue XXXX Duplicate auto hard inquiries ( XX/XX/XXXX clusters ) XXXX XXXX XXXX contain duplicate pulls from same auto lenders ( e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX, etc. ). 
Many lack documented permissible purpose/consent ; duplicates compound score damage.

Violations : FCRA 604 ( a ) ; 607 ( b ). 



Systemic Pattern Bias, retaliation, coordinated delay Repeated Verified & Updated without MOV, no XB code, re-aging, post-closure CO coding, stale balances, duplicate inquiries. 
Furnisher ( BoA ) can not verify or even locate the account, yet XXXX continue reporting. 
Pattern shows collusion/retaliation for my CFPB activity and manual stalling instead of correction. 



Requested Relief XXXX. Delete or permanently suppress the BoA tradeline across XXXX XXXX XXXX ( unverifiable phantom account ) ; XXXX. XXXX BoA limit/balance to {$0.00} on a closed CO, XXXX past due, and cease post-closure CO coding ; XXXX. XXXX  : off-cycle correct XXXX XXXX to {$210.00} / {$1000.00} ( 21 % ) XXXX XXXX XXXX  : remove XXXX false XXXX late-marks and confirm XXXX XXXX as agreed ; 5. Both bureaus : remove duplicate auto inquiries or produce certified permissible purpose ; absent proof delete ; 6. Apply XB ( Account in Dispute ) wherever active disputes/CFPB cases exist ; 7. Provide written confirmations of each correction ; 8. CFPB supervisory review for pattern & practice ; refer to OCC ; 9. Bank of America to issue written statement that XXXX XXXX XXXX XXXX XXXXXXXX does not exist/ no debt and to notify all CRAs under 611 ( d ). 



Attachments/ Evidence XXXX XXXX XXXXXX/XX/XXXX ( screens showing BoA re-aging/utilization ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX late-marks ; inquiry clusters ). 
Indigo app screenshots ( {$210.00} / {$1000.00} ). 
Photos/notes from BoA branch visits confirming no record found. 
CFPB complaint IDs ( Open Sent to Company ) : Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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