Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17961419
MIDFIRST BANK Credit Report Error
Complaint Overview
Complaint ID: 17961419
Company: Midfirst Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Pennsylvania
ZIP Code: 19138
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue appears to be a data entry error rather than a systemic problem or deliberate misrepresentation.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 17961419 was filed against MIDFIRST BANK 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 MIDFIRST BANK, which was closed with explanation. The complaint was received on October 31, 2025 from Pennsylvania. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly check their credit reports for accuracy and dispute any incorrect information with the credit bureau and the creditor.
Legal Context & Consumer Protection Laws
Fair Credit Reporting Act (FCRA) regulations govern the accuracy and privacy of credit reporting.
Regulatory Insight
Credit furnishers are required to report accurate information to credit bureaus; errors can lead to violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Pennsylvania, and the issue pertains to a credit report, which is regulated at the federal level.
Industry Comparison
This is a common issue across the credit reporting industry, where errors in account status reporting can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17961419 about?
CFPB complaint 17961419 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 MIDFIRST BANK on October 31, 2025.
Which company is complaint 17961419 filed against?
Complaint 17961419 was filed against MIDFIRST BANK. You can view all complaints against this company on their profile page at /company/midfirst-bank.
What was the company's response to complaint 17961419?
MIDFIRST BANK responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17961419 filed?
Complaint 17961419 was received by the CFPB on October 31, 2025. It was sent to MIDFIRST BANK on December 11, 2025.
What state was complaint 17961419 filed from?
Complaint 17961419 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 17961419?
Dispute information is not available for complaint 17961419.
What product category is complaint 17961419 about?
Complaint 17961419 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 17961419 submitted?
Complaint 17961419 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 17961419?
Fair Credit Reporting Act (FCRA) regulations govern the accuracy and privacy of credit reporting. This relates to a Credit reporting or other personal consumer reports complaint against MIDFIRST BANK involving "Incorrect information on your report".
How likely is complaint 17961419 to be resolved?
Resolution likelihood: likely. 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 17961419?
This complaint is rated as low risk. The risk is low as the issue appears to be a data entry error rather than a systemic problem or deliberate misrepresentation.
What regulatory actions apply to complaint 17961419?
Credit furnishers are required to report accurate information to credit bureaus; errors can lead to violations. 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 17961419?
Consumers should regularly check their credit reports for accuracy and dispute any incorrect information with the credit bureau and the creditor.
Are there state-specific protections for complaint 17961419?
The consumer is located in Pennsylvania, and the issue pertains to a credit report, which is regulated at the federal level. This complaint was filed from Pennsylvania.
How does complaint 17961419 compare to industry norms?
This is a common issue across the credit reporting industry, where errors in account status reporting can occur.
What is the process for disputing incorrect information on a credit report?
Consumers can dispute errors directly with the credit bureau (Equifax, Experian, or TransUnion) or with the furnisher of the information (MIDFIRST BANK in this case). The FCRA mandates that disputes be investigated and resolved within a specific timeframe.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.