Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Despite multiple disputes and open CFPB investigations, the XXXX  XX/XX/year> credit report shows no Consumer disputes this account notation on my Bank of America tradeline. 

Bank of America continues to report this account as if it remains delinquent even though it was closed and charged off. The tradeline lists both Charge-Off and a Past Due amount equal to the entire balance, misrepresenting the current status of the account after it was settled. The final payment was made XX/XX/year>. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) specifically : 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate ; 623 ( a ) ( 3 ) failure to notify CRAs that the account is disputed ; 623 ( b ) ( 1 ) ( E ) failure to correct or delete inaccurate data after reinvestigation ; and 607 ( b ) CRA duty to ensure maximum possible accuracy. 

XXXX last update date ( XX/XX/year> ) proves that Bank of America re-verified or refreshed the data after my disputes but still failed to code the account as disputed. 

I respectfully request CFPB intervention directing Bank of America and Experian to : Set Past Due = {$0.00} ( since the account is charged-off and closed ) ; Remove duplicate CO notations after the charge-off date ; Add the Consumer disputes this account remark on all credit reports until resolution ; and Provide corrected verification data, including the Date of First Delinquency ( DOFD ) documentation. 

Related CFPB reference cases for context : XXXX, XXXX, XXXX, XXXX, XXXX. 

The failure to flag the account as disputed misleads lenders and continues to suppress my credit standing. 

XXXX  verified as accurate a Bank of America credit-card tradeline that remains misreported as both charged-off and past-due despite being closed and settled. The furnisher failed to notify XXXX  that the account was disputed and continued furnishing data showing a past-due amount equal to the balance after final payment. XXXX  XX/XX/year> report confirms that the tradeline was refreshed on XX/XX/XXXX, XXXX multiple disputes and active CFPB investigationsbut still lacks the required Consumer Disputes This Account notation. 

This conduct constitutes a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), a failure to delete or modify unverifiable information under 611 ( a ) ( 5 ) ( A ), and a failure to provide the method of verification under 611 ( a ) ( 7 ). It also reflects violations of 623 ( a ) ( 3 ) and 623 ( b ) ( 1 ) ( E ) by the furnisher, which XXXX  ignored during reinvestigation. The omission of the dispute flag and the continuation of contradictory CO + Past Due reporting mislead lenders and interfere with the accuracy obligations imposed by the Consumer Financial Protection Act 1036 ( a ) ( 1 ) ( B ).

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