Credit card -- Incorrect information on your report -- Complaint #16302773
Incorrect Account Status Reported by Huntington National Bank
Complaint Overview
Complaint ID: 16302773
Company: Huntington National Bank, The
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 32909
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to a reporting error rather than a direct financial loss or fraudulent activity.
Consumer Sentiment: neutral
Topics: Credit reporting, Account status, Credit card
AI Analysis
CFPB complaint 16302773 was filed against HUNTINGTON NATIONAL BANK, THE regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported that their credit card account status was incorrectly reported as 'Closed with explanation' by Huntington National Bank. The complaint was received on September 30, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureau and the reporting institution.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided.
Regulatory Insight
Furnishers must investigate disputes and correct any inaccurate information, including account status.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The consumer is located in Florida, and state laws may offer additional protections regarding credit reporting.
Industry Comparison
This is a common issue where credit card companies may misreport account statuses, impacting consumer credit scores.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16302773 about?
CFPB complaint 16302773 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against HUNTINGTON NATIONAL BANK, THE on September 30, 2025.
Which company is complaint 16302773 filed against?
Complaint 16302773 was filed against HUNTINGTON NATIONAL BANK, THE. You can view all complaints against this company on their profile page at /company/huntington-national-bank-the.
What was the company's response to complaint 16302773?
HUNTINGTON NATIONAL BANK, THE responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16302773 filed?
Complaint 16302773 was received by the CFPB on September 30, 2025. It was sent to HUNTINGTON NATIONAL BANK, THE on October 1, 2025.
What state was complaint 16302773 filed from?
Complaint 16302773 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 16302773?
Dispute information is not available for complaint 16302773.
What product category is complaint 16302773 about?
Complaint 16302773 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 16302773 submitted?
Complaint 16302773 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 16302773?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided. This relates to a Credit card complaint against HUNTINGTON NATIONAL BANK, THE involving "Incorrect information on your report".
How likely is complaint 16302773 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16302773?
This complaint is rated as low risk. The risk is low as the issue pertains to a reporting error rather than a direct financial loss or fraudulent activity.
What regulatory actions apply to complaint 16302773?
Furnishers must investigate disputes and correct any inaccurate information, including account status. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 16302773?
Consumers should regularly review their credit reports and dispute any inaccuracies with the credit bureau and the reporting institution.
Are there state-specific protections for complaint 16302773?
The consumer is located in Florida, and state laws may offer additional protections regarding credit reporting. This complaint was filed from Florida.
How does complaint 16302773 compare to industry norms?
This is a common issue where credit card companies may misreport account statuses, impacting consumer credit scores.
What steps should a consumer take if they find incorrect information on their credit report?
Dispute the inaccuracy directly with the credit bureau (Equifax, Experian, TransUnion) and the financial institution that provided the information to Huntington National Bank.
How long does a credit reporting agency have to investigate a dispute?
Generally, credit reporting agencies have 30 days to investigate a dispute, or 45 days if the consumer provides additional information after the initial submission.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.