Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4961106
Complaint Overview
Complaint ID: 4961106
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 information incorrect
State: Florida
ZIP Code: 33313
Date Received: 2021-11-30T12:00:00-05:00
Date Sent to Company: 2021-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
BANK OF AMERICA has just taken an adverse action which is prohibited pursuant 12 cfr 1026.13 by reporting that I have utilized a false amount of my credit.They have not validated any alleged debt or responded to any of the documents I have sent or requested.they have also not responded to my affidavit or provide any evidence to support any alleged debt they claim I owe.have notified them of multiple billing errors pursuant to 12 CFR 1026.13 and TILA regulation Z. I have audited them requesting certain documentation and a full file disclosure both public and private pursuant to 15 usc 1681g, 15 usc 44 and irs publication 583 to further clarify and address my billing errors and see how much is really owed.adverse actions are prohibited pursuant to 12 cfr 1026.13 while Im in an ongoing billing error status and any creditor who takes an adverse action forfeits all rights to collect on the disputed amount and makes themselves subject to civil liability pursuant to 15 usc 1693m.theyre failure to also provide the requested documentation make them liable for criminal liability as well pursuant to 15 usc 1693n.
Frequently Asked Questions
What is Complaint #4961106 about?
Complaint #4961106 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 2021-11-30T12:00:00-05:00.
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.