Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6905160
Complaint Overview
Complaint ID: 6905160
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: Old information reappears or never goes away
State: California
ZIP Code: 902XX
Date Received: 2023-04-28T12:00:00-05:00
Date Sent to Company: 2023-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a credit card from Bank of America with a XXXX XXXX limit ( account number XXXX ). The last time i used the account was XXXX. In XX/XX/XXXX the account was closed by Bank of America claiming i owed money that i disputed. The derogatory item remained on my credit reports for almost seven years. It then disappeared in or about XXXX. The account remained closed as of XXXX i have never used the account ever again. In early XXXX the same account surfaced again on my credit report in XXXX showing a late payment in XXXX. Obviously i have not used it since XXXX and XXXX was the last time account was used. After disputing it with the credit bureau, I called Bank of America. They confirmed that the item is from XXXX. But refused to remove it without any explanation. It affected my credit score and ability to secure loans.
Frequently Asked Questions
What is Complaint #6905160 about?
Complaint #6905160 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 2023-04-28T12:00:00-05:00.
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, 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.