Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
Since XXXX of XXXX Bank of America has been reporting incorrectly the month of XXXX delinquency on account XXXX to XXXX and still remains as of XXXX. It continues to be reported as XX/XX/XXXX when in fact it was delinquent in XX/XX/XXXX. The account is too old to be reported and was deleted from XXXX and XXXX in XXXX XXXX as it should be as it is beyond the 7 years from 1st delinquency.. 

I have caused disputed with XXXX XXXX, XXXX and the latest XXXX on XXXX XXXX. Every dispute has come back stating that Bank of America has investigated and verifies XX/XX/XXXX is correctly being reported. 

After many calls to Bank of America speaking with XXXX XXXX and XXXX XXXX, XXXX and XXXX XXXX in the months of XXXX and XX/XX/XXXX, it was evident that they were disagreeing with the information being reported to XXXX as of XX/XX/XXXX. 

I was told in XXXX to write a letter to XXXX XXXX XX/XX/XXXX by XXXX XXXX to request proof be provided showing when the last receipt of payment had been received by Bank of America. The letter was received on XX/XX/XXXX that once again all the information being reported to XXXX was in fact correct. Once again, the issue of XXXX delinquency of XX/XX/XXXX was never addressed. 

I then began calling Bank of AMerica again in XXXX and finally got a hold of XXXX XXXX in the Recovery Department during a lengthy telephone conversation he was able to pull up from their database my Statement from XXXX XXXX XXXX the account was actually delinquent in XX/XX/XXXX. 
I was charged a late fee for XX/XX/XXXX for being late. I asked if he would get me a copy of this statement so I could show to XXXX which would show account XXXX needed to be deleted from my credit report as its is now beyond the 7 years from the date of being 1st delinquent. He agreed to that and then on XX/XX/XXXX I received a letter from Bank of America once again reporting the information was going to take about 60 days to show they account was going to continue being reported the same way. 

On XXXX XXXX I received the Bank of America Statement for the period of XX/XX/XXXX -May XXXX, XXXX proving that the information that has been disputed all these years being verified and closed on each dispute between Bank of America and the XXXX had been fraudulently reported and verified they had investigated the dispute and verified XX/XX/XXXX was in fact accurate which it clearly was not by the proof of the statement referred to. 

FCRA 623 ( a ) 5A clearly defines when the date of the 1st ddelinquency begins and that is what is to provided to the Bureaus to whom ever they report to. 

In summary, Bank of America has been in reporting inaccurate information, withholding information for years preventing me from proving their false reporting, lying and refusing to Stop reporting account ending in XXXX when it had reached and has exceeded the 7year period. 

I have all the letters, dates documents which have been provided to both Bank of Amereica and XXXX. It was on XXXX XXXX during my opening a new dispute to provide the supporting Bank of America documents to XXXX that it was suggested I file this report with the FTC then send call back open a new dispute and upload all the facts and documents in order to prove that the account should be removed due being too old to report. 

XXXX 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