Bank of America Late Payment Deletion Letter – FCRA and Billing Error Dispute Template
This dispute letter is written to challenge and remove fraudulent or inaccurate late payments reported by Bank of America to Equifax, Experian, and TransUnion. Based on violations of 15 U.S.C. § 1681a, § 1666b, and Section 1637(b) of the Truth in Lending Act, this letter enforces your rights to correction when statements were not lawfully delivered and late payments were falsely charged.
This document includes:
Citation of FCRA § 1681a(2)(A)(i) excluding transaction data from consumer reports
Reference to CFPB enforcement actions against Bank of America for illegal fee practices
Demand for removal of late payments under 15 U.S.C. § 1666b (failure to provide timely billing notice)
Personal harm language: reputation, livelihood, and family impact
Space to list affected accounts and attach proof of ID and address
This letter is not a request—it is a lawful demand for deletion based on federal billing law and reporting restrictions.
No fluff. No guessing. Just enforcement.
This dispute letter is written to challenge and remove fraudulent or inaccurate late payments reported by Bank of America to Equifax, Experian, and TransUnion. Based on violations of 15 U.S.C. § 1681a, § 1666b, and Section 1637(b) of the Truth in Lending Act, this letter enforces your rights to correction when statements were not lawfully delivered and late payments were falsely charged.
This document includes:
Citation of FCRA § 1681a(2)(A)(i) excluding transaction data from consumer reports
Reference to CFPB enforcement actions against Bank of America for illegal fee practices
Demand for removal of late payments under 15 U.S.C. § 1666b (failure to provide timely billing notice)
Personal harm language: reputation, livelihood, and family impact
Space to list affected accounts and attach proof of ID and address
This letter is not a request—it is a lawful demand for deletion based on federal billing law and reporting restrictions.
No fluff. No guessing. Just enforcement.
This dispute letter is written to challenge and remove fraudulent or inaccurate late payments reported by Bank of America to Equifax, Experian, and TransUnion. Based on violations of 15 U.S.C. § 1681a, § 1666b, and Section 1637(b) of the Truth in Lending Act, this letter enforces your rights to correction when statements were not lawfully delivered and late payments were falsely charged.
This document includes:
Citation of FCRA § 1681a(2)(A)(i) excluding transaction data from consumer reports
Reference to CFPB enforcement actions against Bank of America for illegal fee practices
Demand for removal of late payments under 15 U.S.C. § 1666b (failure to provide timely billing notice)
Personal harm language: reputation, livelihood, and family impact
Space to list affected accounts and attach proof of ID and address
This letter is not a request—it is a lawful demand for deletion based on federal billing law and reporting restrictions.
No fluff. No guessing. Just enforcement.