Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17928678
M&T Bank Accused of Incorrect Credit Reporting
Complaint Overview
Complaint ID: 17928678
Company: M&T Bank Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Arizona
ZIP Code: 85021
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect account status on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 17928678 was filed against M&T BANK CORPORATION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report from M&T Bank Corporation, which has since been closed with an explanation. The complaint was received on October 31, 2025 from Arizona. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit bureau and the creditor.
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 like M&T Bank have a responsibility to report accurate account status information to credit bureaus.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Arizona, and state laws may offer additional protections regarding credit reporting.
Industry Comparison
Disputes over incorrect account status are common in the credit reporting industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17928678 about?
CFPB complaint 17928678 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against M&T BANK CORPORATION on October 31, 2025.
Which company is complaint 17928678 filed against?
Complaint 17928678 was filed against M&T BANK CORPORATION. You can view all complaints against this company on their profile page at /company/m-t-bank-corporation.
What was the company's response to complaint 17928678?
M&T BANK CORPORATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17928678 filed?
Complaint 17928678 was received by the CFPB on October 31, 2025. It was sent to M&T BANK CORPORATION on December 12, 2025.
What state was complaint 17928678 filed from?
Complaint 17928678 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 17928678?
Dispute information is not available for complaint 17928678.
What product category is complaint 17928678 about?
Complaint 17928678 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 17928678 submitted?
Complaint 17928678 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17928678?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information provided. This relates to a Credit reporting or other personal consumer reports complaint against M&T BANK CORPORATION involving "Incorrect information on your report".
How likely is complaint 17928678 to be resolved?
Resolution likelihood: mixed. 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 17928678?
This complaint is rated as medium risk. Incorrect account status on a credit report can negatively impact a consumer's credit score and ability to obtain future credit.
What regulatory actions apply to complaint 17928678?
Furnishers like M&T Bank have a responsibility to report accurate account status information to credit bureaus. 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 17928678?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit bureau and the creditor.
Are there state-specific protections for complaint 17928678?
The consumer is located in Arizona, and state laws may offer additional protections regarding credit reporting. This complaint was filed from Arizona.
How does complaint 17928678 compare to industry norms?
Disputes over incorrect account status are common in the credit reporting industry, affecting many consumers.
What steps should a consumer take if M&T Bank does not correct the incorrect account status?
If M&T Bank fails to correct the error, the consumer can escalate the dispute to the CFPB and potentially consult with a consumer protection attorney.
How long does M&T Bank have to investigate and correct the reported error?
Under the FCRA, furnishers typically have 30-45 days to investigate and respond to a dispute filed with a credit bureau.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.