Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as my final formal demand in response to the negligent and unacceptable handling of my credit dispute regarding the Bank of America account erroneously reported on my credit file. 

Despite submitting XXXX separate disputes, including through the Consumer Financial Protection Bureau ( CFPB ), your institution continues to ignore the specific, well-documented legal violations I have raised. Your most recent response was nothing more than a generic, automated statement falsely asserting that your reporting is accurate which it clearly is not. 

This failure to conduct a reasonable, good-faith investigation is a direct violation of multiple federal statutes, including but not limited to : Applicable Violations and Federal Statutes : 1. FCRA 1681s-2 ( b ) Duty to Investigate Disputes You are required by law to conduct a reasonable investigation and correct any data that can not be verified.

Repeating the same blanket claim that your reporting is accurate without addressing the factual errors I have outlined is noncompliance.

2. FCRA 1681c ( a ) ( 4 ) Seven-Year Rule The seven-year clock begins at the date of first delinquency, which was XX/XX/XXXX not XX/XX/XXXX. 
Backdating or re-aging a charge-off is not only deceptive, it is illegal and severely impacts my credit unfairly. 
XXXX. FCRA 1681e ( b ) Duty to Report with Maximum Accuracy You are legally obligated to maintain maximum possible accuracy in the data furnished.

Reporting a charge-off two years late with an incomplete payment history for XXXX is a clear failure under this provision. 
XXXX. FCRA 1681i ( a ) ( 1 ) ( A ) Reinvestigation Requirement After receiving a formal dispute, you are legally required to reinvestigate with diligence and complete the process within 30 days.

Your continued generic responses do not meet this statutory requirement.

5. Truth in Lending Act ( TILA ) 1666b Minimum Period for Payment If you can not prove the 21-day billing period was properly applied before reporting the account as 30-days late in XX/XX/XXXX, then this is another federal violation. 
XXXX. CFPB Regulation V 1022.43 ( e ) ( 1 ) Accuracy and Integrity of Information Furnished You are required to have reasonable written policies and procedures to ensure accuracy and integrity in the data you report. 
Clearly, such policies are not being followed in this case. 



You Are Causing Material Harm Your reckless and unlawful reporting is destroying my credit and personal life : I have been denied federal employment, including in law enforcement, due to this fabricated derogatory entry. 
My family is suffering financially due to higher interest rates, loan rejections, and reputational harm. 
This inaccurate reporting has permanently damaged my eligibility for sensitive public trust positions. 

Your refusal to fix this issue after XXXX formal requests has left me no choice but to escalate. 



FINAL DEMAND FOR ACTION 15-Day Deadline You are now on notice. You have 15 calendar days from receipt of this letter to take the following actions : 1. Immediately delete all reported late payments from XXXX. 
XXXX. Remove the XX/XX/XXXX charge-off, which is illegal and deceptive. 
XXXX. If you can not fully verify the accuracy of this account with documentation, delete it entirely from XXXX XXXX XXXX XXXX as required by FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXX. Assign this case to a supervisory compliance officer and contact me directly at ( XXXX ) XXXX. 
XXXX. Provide me with a written explanation and all documentation used in your review, including account statements and internal logs proving how and when this account was charged off. 



IF YOU FAIL TO COMPLY If I do not receive a full resolution within 15 days, I will be taking the following actions without further notice : Filing additional complaints with the Federal Trade Commission ( FTC ), Office of the Comptroller of the Currency ( OCC ), and State Attorney General ; Retaining legal counsel and pursuing a lawsuit under FCRA 1681n and 1681o for willful and negligent noncompliance ; Seeking monetary damages, injunctive relief, and attorneys fees for the continued violation of federal law. 

You have had more than enough time and information to correct this error. I will not allow your institutions neglect to continue harming my family and my future. 

Take action now. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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