Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years. 
