Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10636221
Complaint Overview
Complaint ID: 10636221
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Maryland
ZIP Code: 20772
Date Received: 2024-10-30T12:00:00-05:00
Date Sent to Company: 2024-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
late payments 30 days each payment. my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 16813 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and I request that late payments be excluded and charge-off be remove from my consumer report 2 ) Accordance with the FCRA 15 USC 1666b required that I receive a notification in 1637b.I never received the disclosures in 1637b from my creditors This is what I have disputed on my credit with the credit reporting agency and they would not remove this information from my account, which are all violations of my right, I also want know the method they use to validate this debts on my consumer credit report the accounts
Frequently Asked Questions
What is Complaint #10636221 about?
Complaint #10636221 was filed against Bank Of America, National Association regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-30T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.