I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan. 
