Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18322801
Complaint Overview
Complaint ID: 18322801
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: New Jersey
ZIP Code: 08820
Date Received: 2025-12-27T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the reporting of a XXXX late payment being attributed to my open auto loan account with M & T Bank XXXX XXXX ). This account is currently open and paid as agreed. However, my credit report reflects XXXX XXXX late payment that I dispute as inaccurate and unverified. I have not been provided documentation proving that this late payment occurred or that proper billing and delinquency notices were issued. Under the Fair Credit Reporting Act, M & T Bank is required to conduct a reasonable investigation and ensure that all information furnished is accurate and complete. At this time, the reporting does not meet that standard. I am requesting that M & T Bank : Remove the inaccurate XXXX late payment ; OR Provide full validation, including the complete payment history, billing statements, and proof of delinquency notice. Failure to provide proper validation requires deletion or correction of the disputed information.
Frequently Asked Questions
What is Complaint #18322801 about?
Complaint #18322801 was filed against M&T Bank Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-27T12:00:00-05:00.
How did M&T Bank Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against M&T Bank Corporation?
Yes, visit the M&T Bank Corporation company profile at readthecomplaint.com/company/m-t-bank-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.