Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
RE : Dispute dated XX/XX/XXXX CFPB BANK OF AMERICA Acct # XXXX XXXX & XXXX I disputed these two accounts in XX/XX/XXXX but did not receive dispute results. XXXX did respond to the CFPB. The CFPB response referred to the Bank of America accounts without referencing the account number. So, I have no idea which account is being referenced when XXXX is describing its response. XXXX of the Bank of America accounts was verified as accurate. And the other account was said to no longer be appearing in my credit file. I would like a description of the investigation that verified the account as accurate. How did you verify the account status and payment history was accurate? In support of this dispute, I am attaching the payment agreement between myself and Bank of America. Since I do not know which account was verified as accurate, I am attaching payment agreements for both accounts. These payment agreements can be verified with the courtsas they were entered into as part of court cases wherein Bank of America sued me on these accounts. 

As required by the payment agreement for Account XXXX, I made payments of {$340.00} each month from XX/XX/XXXX to about XX/XX/XXXX. None of my payments are reported in the payment history section. There is no indication whatsoever that over all these years I have been paying on this account pursuant to a payment agreement. And as required by the payment agreement for Account XXXX, I have been making monthly payments of {$75.00} each month from XX/XX/XXXX to now. None of those payments are showing up anywhere on my report. 

ACHIEVE PERSONAL LOANS I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, this account is no longer appearing in my credit file. 

XXXX BANK XXXX According to XXXX CFPB response , the wrong XXXX XXXX XXXXXXXX XXXX XXXX XXXX account was investigated. The account number for the account that I disputed is xxxxxxxxxxxx XXXX. I did not dispute xxxxxxxxxxxx XXXX. 

XXXX XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and prior payment history was found to be correctly reported. It also states that the historical account information was updated. What and how was the information updated? And how did you determine the prior payment history was correct? Please provide me with a description of the investigation of this account. Also, there was no Date of First Delinquency being reported. Please add that date to the tradeline. The negative activity is old on this account and should be deleted soon. 

XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and payment history was found to be correctly reporting. Please provide me with a description of the investigation of this account. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation. 

XXXX I disputed this account in XX/XX/XXXX but did not receive dispute results. According to the CFPB, the current status and payment history was found to be correctly reporting. Please provide me with a description of the investigation of this account. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation.

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