Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint to report ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting standards, and Florida consumer protection laws by Bank of America and the three major credit bureaus ( Experian, Equifax, and TransUnion ). These violations pertain to two closed credit card accounts : Bank of America Account 1 ( ending in XXXX  ) Bank of America Account 2 ( ending in XXXX ) Despite : Initial disputes submitted in XXXX A formal CFPB complaint filed on XX/XX/XXXX A deletion demand submitted by Elite Legal Practice in XX/XX/XXXX the accounts continue to be reported with materially inaccurate, outdated, and noncompliant data across all three bureaus. 

XXXX. XXXX XXXX and FCRA Violations A. XXXX XXXX Violations ( XXXX XXXX ) No Dispute Code ( Code XB ) No Account in Dispute flag present on any bureau report Violates XXXX XXXX requirement to reflect dispute status Overlimit Reporting Without Suppression Accounts report 94100 % utilization with no suppression flag Artificially inflates debt-to-limit ratio and suppresses credit score Stale Status Updates Last status update was XX/XX/XXXX ( Acct XXXX ) and XX/XX/XXXX ( Acct XXXX ) Violates XXXX XXXX requirement for XXXX updates Missing First Delinquency Date ( FDD ) No FDD reported, preventing accurate aging and suppression of obsolete data Charge-Off Reporting Without Validation Despite multiple disputes and a formal deletion demand, Bank of America continues to report charge-offs without providing any validation or reinvestigation results B. FCRA Violations 1681s-2 ( a ) ( 3 ) : Failure to mark accounts as disputed 1681s-2 ( b ) : Continued furnishing of inaccurate data after notice 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigation 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy 1681n : Willful noncompliance with FCRA obligations IV. Credit Bureau Complicity Despite being notified of these violations through : Multiple disputes filed by me and my legal representative A formal deletion demand submitted in XX/XX/XXXX A prior CFPB complaint filed on XX/XX/XXXX the credit bureaus have refused to correct, suppress, or delete the inaccurate tradelines. They continue to publish derogatory data that they knowor should knowis inaccurate and noncompliant with XXXX XXXX and FCRA standards. 

V. Ongoing Harm Credit Score Suppression : Each time Bank of America modifies the account historically ( e.g., re-aging or status updates ), my credit score drops by XXXX points, despite no new activity or delinquency. 

Duration of Harm : XXXX Present ( XXXX months ) Impact : Denial of credit Increased interest rates Emotional distress and reputational harm Ongoing legal and administrative burden VI. Relevant Litigation Bank of America has been the subject of multiple XXXXrelated lawsuits and settlements, including : A {$2.00} XXXX class action settlement in XXXX over improper account restraints and fee practices A separate legal controversy involving improper mortgage discharge and litigation against homeowners due to internal recordkeeping failures These cases reflect a pattern of systemic noncompliance and disregard for consumer rights.

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