Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Account : # XXXX Filed By : XXXX XXXX XXXX Filed Against : Bank of America , N.A . 


I am filing this complaint against Bank of America regarding their continued false and damaging reporting of account # XXXX, which has remained inaccurate despite four separate disputes filed in XXXX, XXXX, and XXXX of XXXX. Each time, the same false information was returned with no correction, no verification, and no acknowledgment of my hardship, legal representation, or prior notices. 
Bank of America is reporting this account as charged off with a balance of {$11000.00} and {$13000.00} written off, despite a missing history of delinquencies leading up to this status. There is no pattern of XXXX lates just a sudden flip to charge-off without explanation. And even worse, they are falsely reporting the account as charged off every single month, which is completely inaccurate, misleading, and legally indefensible. 
A charge-off is a one-time event. Repeating it month after month creates a fictitious pattern of default, which unfairly amplifies the derogatory weight of the tradeline and severely damages my credit standing. This isn't a clerical oversight it's either gross negligence or deliberate harm. 
Meanwhile, this account has been in active legal negotiation with my attorney at XXXX XXXX XXXX XXXX XXXX for over XXXX  months. Not once has Bank of America acknowledged this in their reporting. They have ignored multiple formal disputes, failed to update the status, and provided XXXX evidence to justify their reporting. 
I have been on permanent medical leave for more than XXXX  years, and my wife for over XXXX  years. We are both XXXX and living on a restricted income, dealing daily with serious XXXX XXXX XXXX XXXX This ongoing misreporting by Bank of America has caused : XXXX XXXX : Ive been denied credit, faced higher interest rates, and lost access to key resources that could help my family survive. 
Emotional distress : The anxiety and stress caused by seeing false data drag down my report month after month has been overwhelming. 
XXXX health toll : The sense of helplessness, humiliation, and hopelessness caused by this treatment has intensified existing health issues, including XXXX, XXXX, and panic attacks. 
I shouldnt have to beg a multibillion-dollar corporation to follow basic consumer protection law. I shouldnt have to point out their own errors to them. And I XXXX sure shouldnt be forced to re-explain the situation XXXX times only to be ignored like my rights dont matter. The Fair Credit Reporting Act ( FCRA ) exists for people in my exact situation and Bank of America is treating it like a joke. 
Their refusal to act appears intentional, malicious, and retaliatory. I have done everything required : I filed disputes, provided history, retained legal counsel, and maintained full transparency. Bank of America has done none of the above. If they fail to act again, I intend to pursue legal action including claims for financial damage, emotional distress, and any applicable statutory penalties. 

| * * Violation * * | * * Description * * | | -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | * * FCRA 607 ( b ) * * | Inaccurate reporting of repeated charge-offs without delinquency pattern | | * * FCRA 623 ( a ) ( 1 ) ( A ) * * | Furnishing known inaccurate or misleading information | | * * FCRA 623 ( a ) ( 2 ) * * | Failing to update the report after being notified of errors | | * * FCRA 611 ( a ) ( 5 ) * * | Failing to delete unverifiable information | | * * FDCPA 807 ( 2 ) * * | Misrepresenting legal status of a debt ( if in collections ) |

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