Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
AUTOPAY SYSTEM FAILURE CAUSING INACCURATE CREDIT REPORTING BACKGROUND : Customer since XX/XX/XXXX ( 13+ years ) with perfect payment history on credit card account. Maintained active autopay to ensure timely payments with sufficient account balance. 

XX/XX/XXXX - SYSTEM FAILURE : Bank of America 's autopay system failed due to what company representative described as " a glitch in Bank of America 's system. '' Customer received NO notification of this failure - no email, text, or mail alert despite having active contact information on file.

DISCOVERY AND IMMEDIATE ACTION : Customer discovered the missed payment only through third-party credit monitoring alert. Upon discovery, customer immediately : - Paid the full account balance - Contacted
Bank of America customer service- Subsequently closed the account in good standing XX/XX/XXXX - PROOF OF NOTIFICATION CAPABILITY : Bank of America sent automated email notification stating " Due to changes in your account status, your Bill Pay service has been deactivated. '' This proves the company HAS capability to send automated notifications for account changes but FAILED to notify customer during the XX/XX/XXXX autopay system failure. 

CREDIT BUREAU REPORTING INCONSISTENCIES : The three major credit bureaus are reporting completely different information about the same account, proving systematic reporting failures : * * NUMBER OF LATE PAYMENTS : * * - XXXX  : Reports 1 late payment - XXXX : Reports 1 late payment- XXXX  : Reports 2 late payments * * WHICH MONTHS REPORTED LATE : * * - XXXX : Only XX/XX/XXXX - XXXX : Only XX/XX/XXXX- XXXX  : Both XX/XX/XXXX AND XX/XX/XXXX * * ACCOUNT STATUS DESCRIPTIONS : * * - XXXX  : " 30 days past due '' - XXXX  : " Paid, Closed '' - XXXX  : " Not more than two payments past due '' * * ACCOUNT CLOSURE COMMENTS : * * - XXXX  : " Dispute of account information/closed by consumer '' - XXXX  : " Account closed at consumer 's request '' - XXXX  : No closure comments visible These dramatic inconsistencies prove that XXXX  is reporting a completely fabricated XX/XX/XXXX late payment that doesn't exist on the other two bureaus, while all three bureaus show different account statuses for the same closed account. This level of contradictory reporting demonstrates systematic FCRA violations across the entire credit reporting system.

CUSTOMER SERVICE ACTIONS TAKEN : Customer contacted Bank of America and spoke with representative who : - Acknowledged the autopay system failure occurred- Confirmed no notification was sent to customer - Refused to provide written documentation of the system failure - Declined to allow escalation to supervisor CREDIT BUREAU DISPUTE ATTEMPTS : Customer filed multiple disputes with XXXX  regarding the inaccurate late payment : - Disputes submitted through XXXX XXXX  online dispute system - Each dispute returned with " verified '' status - NO documentation provided about what investigation was conducted - NO explanation of verification methodology used - NO contact information or evidence from the data furnisher provided - XXXX  failed to provide required investigation details under Fair Credit Reporting Act COMPANY ACTIONS TAKEN : Bank of America has : - Acknowledged system failure verbally but not in writing - Continued reporting inaccurate late payment to credit bureaus despite knowing it resulted from their system error - Failed to correct known inaccurate information - Provided inconsistent information to different credit bureaus ( evidenced by different reporting across bureaus ) - Apparently provided " verification '' to XXXX  without acknowledging the system failure context FINANCIAL IMPACT : The erroneous late payment is currently affecting customer 's mortgage application process, potentially resulting in thousands of dollars in additional interest costs over the loan term due to artificially lowered credit scores.

FAIR CREDIT REPORTING ACT VIOLATIONS : Multiple FCRA violations have occurred across the entire credit reporting system : 1. * * Data Furnisher Violation ( Bank of America ) * * : Reporting information they know to be inaccurate, as the late payment resulted from their documented system failure, not customer negligence.

2. * * Credit Bureau Violation ( XXXX  ) * * : Failing to conduct reasonable
investigation when disputes were filed. XXXX  returned " verified '' responses without providing : - Documentation of investigation conducted - Methodology used for verification - Contact information or evidence from data furnisher -
Explanation of how conflicting information across bureaus was reconciled 3. * * Systematic Data Integrity Violations ( All Bureaus ) * * : The same account shows
completely contradictory information : - XXXX  fabricates an additional XX/XX/XXXX late payment not reported by other bureaus - Three different account status descriptions for the same closed account - Inconsistent reporting of account closure reasons- Different levels of account number disclosure 4. * * XXXX  Specific Violations * * : Reporting a XX/XX/XXXX late payment that appears on no other bureau reports, indicating either : - False data creation without source documentation - Failure to synchronize accurate data from the same furnisher - Inadequate data verification procedures These violations demonstrate that the entire credit reporting ecosystem - both data furnisher ( Bank of America ) and all three credit bureaus - are failing to meet FCRA requirements for accurate, consistent reporting of the same account information.

TIMELINE OF EVENTS : - XX/XX/XXXX : Account opened with perfect payment history established - XX/XX/XXXX : Autopay system failure ( no customer notification sent ) - XX/XX/XXXX : Late payment appears on credit reports- XX/XX/XXXX : Customer contacted Bank of America customer service - XX/XX/XXXX : Company sent Bill Pay deactivation notification ( proving notification capability ) - XXXX XXXX : Customer filed multiple disputes with XXXX  - XXXX XXXX : XXXX  returned " verified '' responses without providing investigation documentation - Present : Account paid in full and closed, but inaccurate reporting continues across bureaus despite failed system and inadequate dispute investigations

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