Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15051113
Citizens Financial Group Fails to Correct Credit Report Error, Offers Monetary Relief
Complaint Overview
Complaint ID: 15051113
Company: Citizens Financial Group, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Pennsylvania
ZIP Code: 16057
Date Received: 2025-07-31T12:00:00-05:00
Date Sent to Company: 2025-08-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The company's investigation failed to correct an error on the consumer's report, indicating potential systemic issues with their dispute resolution process.
Consumer Sentiment: negative
Topics: Credit reporting, Dispute investigation, FCRA violations
AI Analysis
CFPB complaint 15051113 was filed against CITIZENS FINANCIAL GROUP, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an issue with Citizens Financial Group's investigation into an error on their credit report, which was ultimately closed with monetary relief. The complaint was received on July 31, 2025 from Pennsylvania. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication and evidence related to credit report errors and dispute investigations.
Legal Context & Consumer Protection Laws
Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes promptly and accurately.
Regulatory Insight
Failure to properly investigate and correct errors can lead to violations of FCRA, resulting in penalties and consumer lawsuits.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Pennsylvania, suggesting potential state-specific consumer protection implications.
Industry Comparison
This situation is common in the credit reporting industry, where errors and inadequate investigations by financial institutions are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15051113 about?
CFPB complaint 15051113 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against CITIZENS FINANCIAL GROUP, INC. on July 31, 2025.
Which company is complaint 15051113 filed against?
Complaint 15051113 was filed against CITIZENS FINANCIAL GROUP, INC.. You can view all complaints against this company on their profile page at /company/citizens-financial-group-inc.
What was the company's response to complaint 15051113?
CITIZENS FINANCIAL GROUP, INC. responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 15051113 filed?
Complaint 15051113 was received by the CFPB on July 31, 2025. It was sent to CITIZENS FINANCIAL GROUP, INC. on August 1, 2025.
What state was complaint 15051113 filed from?
Complaint 15051113 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 15051113?
Dispute information is not available for complaint 15051113.
What product category is complaint 15051113 about?
Complaint 15051113 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 15051113 submitted?
Complaint 15051113 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 15051113?
Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes promptly and accurately. This relates to a Credit reporting or other personal consumer reports complaint against CITIZENS FINANCIAL GROUP, INC. involving "Problem with a company's investigation into an existing problem".
How likely is complaint 15051113 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15051113?
This complaint is rated as medium risk. The company's investigation failed to correct an error on the consumer's report, indicating potential systemic issues with their dispute resolution process.
What regulatory actions apply to complaint 15051113?
Failure to properly investigate and correct errors can lead to violations of FCRA, resulting in penalties and consumer lawsuits. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 15051113?
Consumers should meticulously document all communication and evidence related to credit report errors and dispute investigations.
Are there state-specific protections for complaint 15051113?
The complaint originated in Pennsylvania, suggesting potential state-specific consumer protection implications. This complaint was filed from Pennsylvania.
How does complaint 15051113 compare to industry norms?
This situation is common in the credit reporting industry, where errors and inadequate investigations by financial institutions are frequent.
What are the typical timelines for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
What recourse does a consumer have if their dispute is not resolved satisfactorily?
Consumers can file a complaint with the CFPB, sue the credit reporting agency or furnisher in federal court, or report the issue to state regulators.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.