Credit card -- Incorrect information on your report -- Complaint #16302779
Bank of America Credit Card Account Status Disputed
Complaint Overview
Complaint ID: 16302779
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 90019
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to a single account's reporting accuracy, not a systemic product defect or widespread consumer harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Account status, Credit card
AI Analysis
CFPB complaint 16302779 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported that their credit report contained incorrect information regarding the account status of a closed Bank of America credit card. The complaint was received on September 30, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This complaint highlights the importance of accurate reporting of account status, especially for closed accounts, to prevent potential credit score impacts.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in California, a state with strong consumer protection laws that align with federal FCRA requirements.
Industry Comparison
Disputes over incorrect account information are common across the credit card industry, affecting various issuers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16302779 about?
CFPB complaint 16302779 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on September 30, 2025.
Which company is complaint 16302779 filed against?
Complaint 16302779 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 16302779?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16302779 filed?
Complaint 16302779 was received by the CFPB on September 30, 2025. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on October 1, 2025.
What state was complaint 16302779 filed from?
Complaint 16302779 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 16302779?
Dispute information is not available for complaint 16302779.
What product category is complaint 16302779 about?
Complaint 16302779 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 16302779 submitted?
Complaint 16302779 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 16302779?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Incorrect information on your report".
How likely is complaint 16302779 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16302779?
This complaint is rated as low risk. The risk is low as the issue pertains to a single account's reporting accuracy, not a systemic product defect or widespread consumer harm.
What regulatory actions apply to complaint 16302779?
This complaint highlights the importance of accurate reporting of account status, especially for closed accounts, to prevent potential credit score impacts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 16302779?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureaus and the furnisher of the information.
Are there state-specific protections for complaint 16302779?
The complaint originated in California, a state with strong consumer protection laws that align with federal FCRA requirements. This complaint was filed from California.
How does complaint 16302779 compare to industry norms?
Disputes over incorrect account information are common across the credit card industry, affecting various issuers.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first dispute the inaccuracy directly with the credit bureau that published the report and also with the creditor (furnisher) that provided the information. Providing supporting documentation can strengthen the dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.