Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Request for Investigation Description and Correction of Inaccurate Late Payments Account with Bank of America ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request a formal reinvestigation and correction of inaccurate late payment entries associated with my Bank of America credit card account listed on my credit report. The reporting of three late payments is factually incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Background of the Dispute : According to my credit report ( XXXX XXXX ), this account was opened in XX/XX/XXXXXXXX  and remains open and current. However, it inaccurately reflects late payments that are not consistent with my actual payment history. In fact, my records indicate that all payments on this account were made on time, including the most recent one on XX/XX/XXXX. Despite that, derogatory 30-day delinquencies are reflected under the XXXX  and XXXX  payment history. 

I dispute these inaccuracies and request that this account be corrected to reflect a Paid As Agreed Never Late ( PAANL ) status.

Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation upon receiving notice of a dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and phone number of any furnisher contacted.

Additionally : Under 15 U.S.C. 1666 ( b ) and 1637 ( b ) of the Truth in Lending Act ( TILA ), I request that you disclose the procedures followed to ensure billing accuracy, including periodic statement delivery at least 21 days before due dates. 

Any information included in the report must be complete and accurate as per 15 U.S.C. 1681e ( b ).

Requested Action : Immediately conduct a full reinvestigation of this account. 

Provide me with a written description of the procedures used in this investigation, including who was contacted and what information was verified. 

If no evidence exists to support the delinquency, the account must be updated to reflect : Paid As Agreed Never Late.

Remove any negative indicators associated with this account that are currently damaging my creditworthiness. 

Please consider this letter a formal dispute under both the FCRA and TILA, and acknowledge this communication promptly. I expect a response and resolution within 30 calendar days, as stipulated by federal law.

Failure to comply will leave me no choice but to escalate this matter to the, Federal Trade Commission ( FTC ), and/or pursue other legal remedies as provided under the law.

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