Man sues Bank of America, 3 credit reporting agencies over alleged credit mistake

A man is taking Bank of America and the top three credit reporting agencies to federal court alleging they messed up his credit.

He claims the bank reported he owed thousands on credit cards he never had.

Timothy Scott says he got a call from a debt collector saying he owed more than $6,000 on two Bank of America credit cards.

[CLICK: Disputing credit report errors]

At first, he filed a harassment complaint against the debt collector because he said he never had the credit cards with the bank.

Then, he says the bank reported that he did.

Scott then did what we're all advised to do when we find something inaccurate on our credit reports.

He says he mailed written dispute letters to Equifax, Experian and Transunion and Bank of America, and the bank confirmed he owed the debt.

Now, Scott is suing all of them for violating the Fair Credit Reporting Act

[ALSO READ: Why you need to check your credit report every year]

His attorneys argue Bank of America and the credit agencies use an automated system, called e-OSCAR, to communicate.

Scott claims the bank relied on the automated system but could have reviewed its own systems and previous communications with him to see the "bank had never issued either of the two cards.”

The lawsuit argues that each of the companies is charged with ensuring maximum accuracy and should all do their own investigations, not "parrot information they receive from other entities.”

Channel 9 asked the bank about the lawsuit and if other customers could be affected by the same automated system. We’re waiting to hear back.

Cox Media Group