Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12469553
Complaint Overview
Complaint ID: 12469553
Company: Bank Of America, National Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 32548
Date Received: 2025-03-11T12:00:00-05:00
Date Sent to Company: 2025-03-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have repeatedly disputed inaccurate information on my credit report with XXXX, XXXX, and multiple creditors. Despite multiple formal dispute letters sent via certified mail, I have not received any responses, corrections, or verification of the reported debts. I initially submitted disputes to XXXX and XXXX on XX/XX/XXXX, outlining multiple inaccuracies regarding my personal information and several credit accounts. After receiving no response, I sent another dispute to XXXX and XXXX on XX/XX/XXXX. Debt Validation Requests by Assignment were sent to XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXXXX/XX/XXXX. After no response, I issued a Notice of Default and Opportunity to Cure to them on XX/XX/XXXX. I sent a final notice on XX/XX/XXXX, again demanding validation or removal of the incorrect information. Despite these repeated efforts, the companies have failed to respond or provide proper validation, which is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .Disputed Accounts and Issues : XXXX. Personal Information Errors ( XXXX & XXXX ) My current and previous addresses are incorrectly reported. My employer information is inaccurate. The credit bureaus have failed to correct these inaccuracies despite clear proof provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance, high credit limit, and reporting errors persist despite requests for validation. Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bank of America Account # XXXX : XXXX, XXXX Incorrect balances, dates, and past due status reported. Dispute dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misreported balances, incorrect credit limits, and erroneous account details. Dispute dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Legal Concerns : Failure to Provide Debt Validation Under 15 U.S. Code 1692g, debt collectors must provide validation upon request. The lack of response constitutes a violation of FDCPA. Failure to Investigate & Correct Errors Under FCRA ( 15 U.S.C. XXXX ), credit reporting agencies are required to investigate and correct inaccuracies within 30 days. XXXX and XXXX have failed to do so. Failure to Cease Collection Activity Without Validation Under the Florida Consumer Collection Practices Act ( FCCPA ), debt collectors must cease collection efforts until a dispute is resolved. Possible Unauthorized Reporting & Violation of IRS 1099-C Requirements If the debts have been charged off and qualify as canceled, creditors are required to issue a 1099-C Cancellation of Debt Form, which has not been provided.
Frequently Asked Questions
What is Complaint #12469553 about?
Complaint #12469553 was filed against Bank Of America, National Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-11T12:00:00-05:00.
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.