Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks. 
