I originally opened up a XXXX Credit Card offered through my bank " XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Bank of America requesting payment that was owed to Bank of America. I had never been notified that my XXXX Credit Card was transferred or bought by Bank of America as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Bank of America requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Bank of America where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a " SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Bank of America directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report. 
