Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX [ Date ] To : Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX RE : Dispute of Inaccurate Reporting Demand for Immediate Deletion Under Federal Law To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the account being reported under my name by your company, Bank of America XXXX XXXX XXXX XXXX . This letter serves as a notice under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and related consumer protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Account Information : Creditor : Bank of America Account Number:XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX/2025 Upon reviewing my credit report, I noticed that Bank of America is reporting an account that contains multiple inaccuracies and may be entirely invalid. I request that this account be immediately investigated, verified, and removed from my credit file if your company can not provide full and accurate documentation proving its validity and your legal right to collect.

Legal Grounds for Dispute and Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) You are required to investigate disputes and remove any unverifiable or inaccurate information within 30 days.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) As a furnisher of information, you must ensure that all information you provide to credit bureaus is complete and accurate.

3. FCRA 609 ( 15 U.S.C. 1681g ) I am requesting a full validation of this debt, including the original signed agreement and complete chain of title. 


4. FDCPA ( 15 U.S.C. 1692g ) If you are attempting collection, I am requesting a full debt validation under the Fair Debt Collection Practices Act.

5. CFPB Regulations Any failure to properly investigate, validate, and report information accurately is a direct violation of the laws enforced by the CFPB.

You are hereby notified that you must provide : A copy of the original contract or agreement bearing my signature Proof of ownership and right to collect this debt A complete payment history Chain of custody/assignment from original creditor to Bank of America Any other documents substantiating the amount claimed If you can not provide the above within the required time, this item must be permanently deleted from all credit reporting agencies ( XXXX XXXX, and XXXX  ) . 

Additionally, if you continue to report inaccurate information or fail to comply with the law, I reserve the right to : File a formal complaint with the CFPB Notify the Federal Trade Commission ( FTC ) Pursue legal remedies including statutory damages of up to {$1000.00} per violation under the FCRA and FDCPA Please respond to this dispute in writing within 30 days of receipt of this letter. If you confirm deletion, kindly provide written confirmation for my records. 

Sincerely, 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