Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate and unfair reporting of my Bank of America credit card Account Number ( last XXXX digits ) : XXXX on my credit report. Below, I will outline the multiple issues I have encountered with this account and the violations of federal laws that have occurred : XXXX. Account Status and Unexplained Balances : Bank of America marked this account as Charged-Off and labeled it as a Profit and Loss Write-Off. However, I was not issued a XXXX form, which is required for tax purposes if a debt is forgiven. Despite marking the account as charged off, Bank of America continues to report a balance on the account, which should not exist. Additionally, prior to the charge-off, unexplained charges were added to the account every month without my knowledge or consent, making the account appear overused. 
XXXX. Failure to Respond to My Requests : I have reached out to Bank of America multiple times, both in writing and via other communication methods, to request validation of the charges and an explanation of the ongoing balance. I also asked for a copy of the XXXX form and proof of the reported charges. Despite my efforts, they have failed to respond or provide the requested documentation, leaving me with unresolved questions and a negative impact on my credit. 
XXXX. Lack of Disclosure and Unauthorized Reporting : Bank of America failed to notify me or obtain my consent before sharing my personal information with third parties, including credit reporting agencies. Under 15 U.S.C. 6802 ( XXXX XXXX ), financial institutions are required to notify and provide customers with an opportunity to opt out before sharing personal information. Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), the reporting of information must be authorized and in compliance with permissible purposes. These actions represent a clear violation of my rights as a consumer. 
XXXX. Unauthorized Sharing of Personal Information : By reporting my personal information to third parties without my consent, Bank of America has potentially violated 18 U.S.C. 1028A, which pertains to the misuse of personal identifying information. I did not authorize the sharing of my information for collection or reporting purposes. 
XXXX. Unfair Treatment During Financial Hardship : I experienced significant financial hardship during this period, including the loss of multiple family members in XXXX. I communicated this to Bank of America and attempted to work with them to resolve the situation. Despite my history of being a responsible customer who paid off my credit card regularly and on time, they refused to cooperate or offer assistance, opting instead to place the burden solely on me and report the account to collections. 
These actions by Bank of America are not only unfair but also in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require creditors to ensure accurate reporting and treat consumers fairly. 
Requested Resolution : I respectfully request the immediate removal of this account from my credit report due to the lack of validation, failure to comply with federal laws, and the unfair treatment I have received. This account has unfairly impacted my credit and caused unnecessary distress. 
I trust that the CFPB will take this matter seriously and investigate these violations. I look forward to your response and resolution. 
Sincerely,

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