Credit card -- Problem with a company's investigation into an existing problem -- Complaint #18894364
Complaint Overview
Complaint ID: 18894364
Company: Truist Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11219
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously submitted a written dispute to XXXX XXXX dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX XXXXhas failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX XXXX XXXX immediate compliance with FCRA requirements. XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Frequently Asked Questions
What is Complaint #18894364 about?
Complaint #18894364 was filed against Truist Financial Corporation regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Truist Financial 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 card) and describe your issue in detail.
Can I see other complaints against Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-financial-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.