Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #7059493
Complaint Overview
Complaint ID: 7059493
Company: BMO Bank National Association
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 90274
Date Received: 2023-06-01T12:00:00-05:00
Date Sent to Company: 2023-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Two of the three credit reporting agencies ( XXXX and XXXX ) still improperly show a debt in collection that I do not owe. I have attempted resolution with a prior complaint ( XXXX ) to no avail. In 2018 a " XXXX XXXX XXXX, XXXX '' placed a collection debt on my credit report -- I was never notified of it otherwise. As a result I contacted them to resolve -- I had no unpaid debts to my knowledge. At the time they just Identified Bank of the West ( BoW ) as the creditor to which I explained that I had recently resolved a bank error and there should be no negative records ( backed up by letters from the bank and a corrected XXXX credit report ). They gave me no more information and they refused to change the report. I then filed the first CFPB complaint ( above ). Only in the their written response to the CFPB complaint did they identify the debt as associated with a checking account at BoW ( at the time, joint with ex-wife ) that has long been closed. I had no known debt from any checking account anywhere. So I set out to research and find the source within BoW and to contact the local branch where the account was held to verify the activity. After four ( 4! ) years of communications and efforts they have never been able to identify any debts/fees owed by me to the bank nor any records of the account being delinquent. I, of course, offered to pay in full if that was the case. They have in fact stopped communicating on the matter. Email trails of communication with customer service person and bank manager attached. This XXXX XXXX XXXX debt is false and not mine. I was never notified by any entity within BoW -- despite extensive efforts on my part to research and find it -- of any debt or fees owed. I have tried for four years, from the banks central records to the local bank manager to find a record of the debt and have even offered to pay it if verified, all to no avail. This is not reflective of my credit worthiness ( the correct credit report XXXX has my XXXX XXXX at XXXX ). This record of delinquency should be removed from my XXXX and XXXX credit reports with no negative reporting immediately.
Frequently Asked Questions
What is Complaint #7059493 about?
Complaint #7059493 was filed against BMO Bank National Association regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-06-01T12:00:00-05:00.
How did BMO Bank National Association 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against BMO Bank National Association?
Yes, visit the BMO Bank National Association company profile at readthecomplaint.com/company/bmo-bank-national-association 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.