Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am filing this complaint due to Bank of Americas ongoing failure to comply with federal law in relation to two accounts ( ending in # XXXX and # XXXX ) that continue to appear inaccurately on my credit reports. 

Background : I have sent three formal letters requesting proper verification and correction of inaccuracies. My requests were made on the following dates : First request : XX/XX/XXXX Response received on XX/XX/XXXX ( generic and inadequate ). 

Second request : XX/XX/XXXX Response on XX/XX/XXXXXXXX  ( again, deficient and unresponsive to my concerns ). 

Third request : XX/XX/XXXX With continued evidence of reporting errors and violations of the FCRA and FDCPA. 

Additionally, on XX/XX/XXXX, the company sent a third response, which also failed to provide the requested documents or correct the reporting discrepancies. 

Key Discrepancies ( examples ) : Field Bank of America Letter Credit Bureaus Discrepancy Account XXXX Open Date XX/XX/XXXX Not clearly reported Can not confirm accuracy Account XXXX Charge-off Balance {$4800.00} {$4800.00} Mismatch in cents Account XXXX Current Balance {$4600.00} {$4800.00} or {$0.00} Inconsistent balances Account XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Discrepant open dates Account XXXX Last Payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports incorrect date Account XXXX XXXX Balance {$3600.00} {$3600.00} Mismatch in cents High Credit Not disclosed XXXX  : {$0.00} ; XXXX  : {$3600.00} ; XXXX  : {$3600.00} Conflicting data Account Comments Omitted Varying language across bureaus Lack of consistency These discrepancies clearly show that the data reported by Bank of America is inaccurate, incomplete, and inconsistent across the three major credit reporting agencies EXXXX XXXX XXXX XXXX 

Despite this, the credit bureaus have verified the accounts as " accurate, '' even though Bank of America has not provided consistent documentation or resolved the conflicts. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s2 ( b ) ) which mandates that data furnishers must : Conduct a reasonable investigation, Correct or delete any incomplete or inaccurate information, Notify the CRAs of any corrections.

In addition, Bank of Americas lack of proper debt validation violates the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( b ) ), which requires them to provide detailed documentation upon written request.

Requested Resolution : Due to repeated violations, I am no longer requesting correction, but formally demanding the deletion of both accounts ( # XXXX and # XXXX ) from all credit bureaus. Bank of America has failed to meet the legal standards for accuracy, investigation, and verification, and I have suffered unjust credit damage as a result. 

Please assist me in resolving this matter and holding Bank of America accountable under the FCRA and FDCPA.

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