Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4925983
Complaint Overview
Complaint ID: 4925983
Company: Bank Of America, National Association
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 33313
Date Received: 2021-11-18T12:00:00-05:00
Date Sent to Company: 2021-11-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have audited and sent BANK OF AMERICA a billing error notice and a cease and desist and I have multiple open unresolved complaints with BANK OF AMERICA through the consumer financial protection bureau.they have just taken adverse action against me by reporting to credit reporting agencies XXXX, XXXX, and XXXX ; that I have not made a payment and that an alleged debt is owed.Pursuant to.12 CFR 1026.13 until a billing error is resolved adverse credit reporting is prohibited.They have fraudulently reported I missed a payment and that a false amount is owed.BANK OF AMERICA now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of 12 CFR 1026.13. be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. This adverse action will forfeit BANK OF AMERICAS rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold them liable under 15 U.S.Code 1693m for the actual damage caused to I, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. They have not provided the documentary evidence requested pursuant to 15 USC 44 and IRS publication 583 both journal and ledger including any and all accounts made using my intellectual property and signature associated with this account both public and private.They have not provided me a full full disclosure requested pursuant to 15 USC 1681g either.
Frequently Asked Questions
What is Complaint #4925983 about?
Complaint #4925983 was filed against Bank Of America, National Association regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-11-18T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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, credit repair services, 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.