Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA To XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Unverifiable Information on Credit File Date of Report Pull : XX/XX/XXXXXXXX  Dear XXXX  Dispute Department, This letter serves as my formal written dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate, incomplete, and/or unverifiable items appearing in my XXXX  credit file. I am asserting my rights under FCRA 602, 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ), and request an immediate and reasonable reinvestigation as required by federal law. 

Please review and reinvestigate the following alleged accounts and items : 1. Bank of America Account ( s ) ending in XXXX / XXXX / XXXX Type of item : Alleged late payment ( s ) and/or charge-off Dispute basis : The reporting contains inaccurate or incomplete information, including potential errors in the payment history grid, delinquency date, and balance accuracy. 
Action requested : Please provide documentation verifying each reported late payment and charge-off event, including account statements and the original creditors payment ledger. If XXXX  or the furnisher can not substantiate these records, the derogatory information must be corrected or deleted under FCRA 611 ( a ) and 623 ( b ).

2. XXXX XXXX Account ( s ) ending in XXXX / XXXX / XXXX Type of item : Alleged late payment and/or collection account Dispute basis : The reporting appears inaccurate, incomplete, and possibly unverifiable. No proof of ownership or chain of assignment for any collection activity has been provided. 
Action requested : Please obtain verification directly from the furnisher per FCRA 611 ( a ) ( 2 ) and FDCPA 809 ( b ). If the collector or furnisher can not produce proper documentation establishing ownership and accuracy, the item must be removed pursuant to FCRA 611 ( a ) ( 5 ).

3. Multiple Hard Inquiries Type of item : Unauthorized or non-permissible inquiries Dispute basis : Several hard inquiries appear on my file without any prior authorization or legitimate permissible purpose as required by FCRA 604 ( a ).

Action requested : Please provide documentation identifying the permissible purpose for each inquiry, including the name of the entity and the signed authorization. Any inquiry not supported by proper documentation must be removed immediately.

LEGAL BASIS FOR DISPUTE FCRA 602 mandates the maximum possible accuracy in consumer credit reporting.

FCRA 611 ( a ) gives me the right to dispute inaccurate or incomplete information and requires XXXX to conduct a reasonable reinvestigation.

FCRA 609 ( a ) ( 1 ) requires that I be provided documentation supporting the data reported.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they knowor should knowis inaccurate. 
Case law including XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) confirms that credit bureaus must perform a meaningful, independent investigation, not rely solely on automated verification. 

REQUESTS FOR COMPLIANCE 1. Provide the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for each item you verify.

2. Provide copies of any supporting documentation relied upon to verify each disputed item under FCRA 609 ( a ) ( 1 ).

3. If the alleged accounts or inquiries can not be verified with proper documentation, delete or correct them within 30 days as required by FCRA 611 ( a ) ( 5 ). 

Failure to comply with these obligations, or re-reporting deleted data without proper notice, will result in formal escalation to the Consumer Financial Protection Bureau ( CFPB ) and potential pursuit of additional remedies under federal law. 

Please note that this letter does not constitute acknowledgment or validation of any alleged debt. It is a request for verification and accuracy in accordance with federal law. 

Thank you for your prompt attention to this matter. I expect full written results of your reinvestigation within 30 days of receipt of this certified dispute. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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