Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXXCreditor : XXXX XXXX XXXXDear Sir/Madam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : [ XX/XX/2021 ] [ XX/XX/2021 ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Include also all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report.

If, after the timeframe allowed, you are unable to provide me with the information requested or validate the late payments mentioned on the dates specified, it will be assumed that you lack the necessary procedures to ensure the accuracy of my account. I would then request that these accounts be updated to reflect their correct status as " Paid As Agreed Never Late. '' I will forward this complaint to the CFPB ( Consumer Financial Protection Bureau ), as well as to all relevant agencies ( XXXX, XXXX & XXXX ) in the event that apply until updated corrections are made and finalized. 
Please forward any corrections to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Sincerely XXXX XXXX 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