Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Additional XXXX XXXX of XXXX I am supplementing my complaint XXXX reflect the sequence of events following submission. On XX/XX/XXXX, I submitted this complaint XXXX the CFPB disputing the accuracy and internal consistency of the Bank of America tradeline and requesting a full investigation and reconciliation. On XX/XX/XXXX, Bank of America filed a lawsuit in XXXX XXXX, Tennessee ( Case No. XXXX ) concerning the same alleged balance. On that same date, Bank of America also responded through the CFPB portal stating that it required additional time XXXX investigate the account and provide a complete response. This creates a serious concern. Bank of America has represented that the account requires further investigation while simultaneously initiating legal action XXXX enforce the same alleged balance. If the account is not sufficiently verified XXXX respond to a formal FCRA dispute, it raises questions as XXXX how it is being treated as sufficiently verified for litigation purposes. I request that Bank of America be required to provide a complete account-level reconciliation and explanation of how these actions are consistent with its obligations under the Fair Credit Reporting Act. XXXX Print complaint OPEN Submitted STATUS Submitted XXXX the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint XXXX the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Formal FCRA Dispute and Demand for Deletion This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. The consumer, XXXX XXXX, disputes the accuracy, completeness, and internal consistency of the Bank of America tradeline being furnished and reported to consumer reporting agencies. XXXX Bank of America Account Type Reported Balance Charge Off Amount Last Payment Reported Revolving Credit Card {$8100.00} {$8100.00} XX/XX/XXXX Date of First Delinquency Reported Account Status Date Reported XX/XX/XXXX Closed / Charged Off XX/XX/XXXX Reporting Errors and Internal Inconsistencies The tradeline contains material inconsistencies that indicate inaccurate or improperly re-aged reporting : The account reflects a last payment of XX/XX/XXXX while the date of first delinquency is reported as XX/XX/XXXX. A delinquency can not begin after the final payment on a closed account unless the account was reopened, which has not been reported. The account simultaneously reports a charge-off status and continuing delinquency progression, which is inconsistent with standard XXXX XXXX XXXX reporting requirements. The payment history grid shows progressive delinquency escalation culminating in charge-off, despite prior payment history reflecting the account as current during earlier periods. XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) and ( b ), furnishers of credit information must ensure that information reported to consumer reporting agencies is accurate, complete, and not misleading. After receiving notice of a dispute, the furnisher must conduct a reasonable investigation and correct or delete information that can not be verified. Courts have consistently held that credit reporting must be both technically accurate and internally consistent. Reporting contradictory account status and delinquency information violates the FCRA accuracy standard. Demand for XXXX XXXX Because the reported fields conflict and the delinquency timeline is logically inconsistent, the furnisher must : XXXX. XXXX a reasonable investigation and provide complete documentary verification of the account history ; or XXXX. Permanently delete the tradeline from all consumer credit reports. If verification can not be produced, continued reporting of this information constitutes the furnishing of inaccurate credit information in violation of federal law. Preservation of Evidence All records relating to the furnishing of this tradeline, including payment history files, XXXX XXXX reporting data, internal account notes, and dispute investigation records, must be preserved. Please correct or delete the inaccurate reporting within the statutory investigation period. Failure to do so XXXX result in escalation to regulatory authorities and further legal remedies under the Fair Credit Reporting Act. ATTACHMENTS XXXX XXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S XXXX XXXX Bank of America is reviewing your inquiry. We require additional time to provide you a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible.

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