Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you. 
