Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
* * Subject : Formal Complaint Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am writing to file a formal complaint against Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit files with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably inaccurate, inconsistent, and legally unverifiable. 

* * Complainant Information : * * * * * Name : * * XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Date of Birth : * * XX/XX/XXXXXXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX XXXX XXXX  Bank and Account Information : * * * * * Bank Name : * * Bank of America * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information Bank of America has furnished regarding this account is riddled with material contradictions across the three major credit reporting agencies. These discrepancies are not minor errors ; they are fundamental inconsistencies that prove the data fails to meet the " maximum possible accuracy '' standard required by law.

The specific, verifiable discrepancies are as follows : 1. * * Contradictory " Date of First Delinquency '' : * * My XXXX  report explicitly lists a " Date of First Delinquency '' as XX/XX/XXXX. In stark contrast, my XXXX XXXX XXXX reports completely omit this legally required data point, making it impossible to correctly calculate the reporting period for the alleged debt. 
XXXX. * * Conflicting Account Closure Remarks : * * My XXXX XXXX XXXX reports both state, " Account closed at consumers request. '' This critical detail is entirely absent from my XXXX report, presenting a conflicting narrative of the account 's history. 
XXXX. * * Inconsistent Payment Data : * * My XXXX report uniquely lists a " Last Payment Made '' date of XX/XX/XXXX. This information is not corroborated on either my XXXX XXXX XXXX reports, further invalidating the integrity of the furnished data. 

These conflicting data points are prima facie evidence that the information provided by Bank of America is unreliable and legally unverifiable. An item of information that is reported in three different, contradictory ways can not be considered accurate. Therefore, any attempt to simply " correct '' or " update '' this account would be insufficient and unlawful. The entire tradeline is tainted by unreliable data, and its continued presence on my credit report is causing significant harm to my financial standing. 

The only legally permissible remedy is the complete deletion of this account. 

I formally request that the Consumer Financial Protection Bureau launch an immediate investigation into Bank of America 's flagrant disregard for its furnishing responsibilities under the FCRA. I further request that you compel Bank of America to direct XXXX XXXX XXXX XXXX to permanently delete the entire account tradeline for Account Number XXXXXXXX XXXX XXXX XXXX XXXX  from my credit report.

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