Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, Bank of America opened an initial case to address the fact that my authorized user ( AU ) credit card account was not properly reporting to XXXX. During this initial correction attempt, Bank of America furnished incorrect information, including a duplicate/incorrect address, which I am attaching documentation for. This incorrect furnishing is clearly visible in the letter provided by Bank of America. 

Shortly thereafter, XXXX  deleted my authorized user tradeline and my entire credit history, rendering my file unscorable. I contacted Bank of America immediately upon discovering this deletion. Bank of America advised me in or around XX/XX/year>, that the error would be corrected and instructed me to check XXXX  again on or about XX/XX/year> for the correction to appear. 

When XX/XX/year> arrived, not only had no correction been reflected at XXXX, but the incorrect information furnished by Bank of America had propagated to XXXX  and XXXX. As a result, XXXX  deleted my authorized user tradeline and removed several years of my credit history, causing my credit score to drop from XXXX to XXXX, and XXXX  deleted the authorized user tradeline entirely and rendered my credit file unscorable, with no credit score displayed.

Bank of America subsequently opened an additional formal case o
n XX/XX/year>, and instructed me to wait until XX/XX/year> for the corrected information to be reflected across the credit bureaus. However, instead of the promised correction, I received a letter dated XX/XX/year>, stating that Bank of America was still working on my case and asking me to wait an additional 30 days, despite the issue already having persisted for over three months and no bureau reflecting any correction.

Throughout this process, I have made at least six to seven separate calls to Bank of America representatives in an effort to resolve this matter directly and avoid escalation. Unfortunately, these interactions were marked by repeated miscommunication and inconsistent information. On at least two separate occasions, Bank of America representatives presented themselves as experts on the issue but demonstrated a clear lack of understanding of credit reporting and authorized user furnishing, and provided incorrect or misleading information regarding the status of my correction and the actions being taken. These inconsistencies significantly delayed resolution and contributed to the prolonged failure to properly correct the reporting error.

Although Bank of America states that corrected information was sent, I have received no written confirmation, transmission dates, or proof that accurate and complete data was successfully transmitted to XXXX, XXXX, and XXXX. All three credit bureaus state that they have not received corrected information sufficient to restore my authorized user tradeline or credit file, despite the account being active, open, and in use.

This issue has now persisted for over three months and has caused substantial harm, including the loss of my credit score, suppression of my credit file, and inability to apply for credit.

Attached proof of BOA error ( duplicate address ) Proof of bureau deleting active AU per this error Proof of second letter BOA showing delay in correcting this error.

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