Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17952697
Complaint Overview
Complaint ID: 17952697
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: 33068
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Incorrect credit reporting on closed account by Bank of America Name : XXXX XXXX Account Ending : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What Happened : My Bank of America credit card account ending in XXXX was closed on XX/XX/XXXX, but the creditor continues to report new late payments, monthly charge-off updates, and inconsistent information to all XXXX credit bureaus. The account is closed, yet XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late payments AFTER the closed date * Repeated CO/Charge-off updates for many months * Conflicting dates of last activity * Ongoing derogatory status into XXXX This appears to be inaccurate, misleading, and damaging credit reporting. A charge-off is a one-time event, not something that is supposed to be reported monthly. Continuing to report new missed payments or new charge-offs after the closure date is unlawful and harms my credit profile. I disputed this information with all three credit bureaus, but they verified it based on what Bank of America supplied. This means Bank of America is furnishing inaccurate or unverifiable information. Harm Caused : These inaccurate derogatory marks are severely hurting my credit score, preventing me from getting housing, and causing financial hardship.
Frequently Asked Questions
What is Complaint #17952697 about?
Complaint #17952697 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 2025-11-30T12:00:00-05:00.
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.