Consumer complaint received 2025-05-25 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of inaccurate, incomplete, and illegal information reported by Bank of America on my credit file, specifically relating to the credit card account that was settled in XX/XX/XXXX. 

This letter is being sent pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Truth in Lending Act ( TILA ), 15 U.S. Code 1666b. I am demanding that you cease the illegal and inaccurate reporting of the following : 1. Violation of FCRA Misreporting of Charge-Off and Late Payments The payment history on my credit report shows : Late payments beginning XX/XX/XXXX through XX/XX/XXXX, escalating to 180 days late. 
No data reported for all of XXXX. 
A Charge-Off suddenly reported in XX/XX/XXXX. 

This is a clear violation of FCRA 15 U.S. Code 1681s-2 ( b ), which mandates that data furnishers report complete and accurate information. It is not only inaccurate but also deceptive to report a charge-off nearly two years after the 180-day delinquency threshold was already met in XXXX. 

In fact, per federal regulation, the charge-off must be reported no later than 180 days from the original delinquency, which in this case began in XX/XX/XXXX. You knowingly and willfully delayed the charge-off reporting date to XX/XX/XXXX, falsely extending the lifespan of this derogatory account and negatively affecting my credit profile well beyond the lawful timeframe. 



XXXX. Violation of FCRA Seven-Year Rule Under 15 U.S. Code 1681c ( a ) ( 4 ), derogatory accounts must be removed after seven years from the original delinquency date, not from the date of charge-off. Your reporting attempts to illegally re-age the debt by assigning a charge-off date over two years after the delinquency began. This is not only deceptive and abusive, but it also directly violates federal law.

3. Violation of TILA Improper Assessment of Delinquency Per 15 U.S. Code 1666b, a credit card issuer must provide a minimum of 21 days to make payment before applying late fees or reporting the account as delinquent. There is no record that this account met that statutory requirement before the 30-day late payment was reported in XX/XX/XXXX. If such records exist, I formally demand they be produced. Otherwise, this is a clear violation of federal law, and any late reporting is unlawful. 



4. Material Harm This inaccurate reporting has had devastating consequences on my financial life. Due to the falsified late payment history and improper charge-off date, I have been : Denied credit on multiple occasions, Subjected to higher interest rates, and Restricted from qualifying for government and law enforcement roles, as many federal positions conduct background and credit reviews. 

These errors directly contradict your obligation under FCRA 1681e ( b ) to maintain the maximum possible accuracy of the information you furnish. 



DEMAND FOR IMMEDIATE ACTION Based on these violations, I am demanding the following actions be taken within 15 calendar days of receipt of this letter : 1. Immediate deletion of all late payment history from this account ( XXXX entries ). 
2. Immediate deletion of the charge-off notation dated XX/XX/XXXX. 
XXXX. If you can not verify the accuracy of each line item with documentation, you must immediately remove the entire account from all credit reporting agencies ( XXXX XXXX XXXX  ) under FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( A ).

4. Provide me with a written confirmation once the deletions are complete.

If I do not receive a full resolution within the time frame noted, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ). I am also prepared to take legal action for the intentional violation of federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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