Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attn : Consumer Complaint Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M & T Bank ( Manufacturers and Traders Trust Company ) Identity Theft and Regulation E Violations Reference : XXXX XXXX XXXX Civil Action No. : XXXX Dear CFPB Complaint Division : I am writing to file a formal complaint against M & T Bank ( Manufacturers and Traders Trust Company ) for serious violations of federal banking regulations, including failure to properly investigate identity theft, unauthorized possession and transmission of my Social Security Number, and violations of Regulation E 's error resolution requirements. 

KEY VIOLATIONS : 1. Identity Theft and Unauthorized Account Activity : XXXX M & T Bank sent me a XXXX XXXX XXXX XX/XX/XXXX, showing they had my SSN " on file '' - When contacted, M & T denied having any records associated with my SSN - Bank designated me as " XXXX XXXX '' without my knowledge or authorization - Account number created without my consent XXXX. Regulation E Violations : - Failure to properly investigate unauthorized EFT claims - Refusal to provide account information to rightful owner - Stonewalling investigation attempts- Providing inconsistent and misleading information about records 3. Pattern of Institutional Misconduct : - Contradictory statements about record possession - Transfer of calls between departments to avoid investigation - Deliberate obstruction of information requests- Possible coordination with other parties in concealment TIMELINE OF EVENTS : XX/XX/XXXX : - Received XXXX form from M & T Bank - Form showed my SSN already " on file '' - Listed as " XXXX XXXX XXXX' without authorization - Referenced unknown account number XX/XX/XXXX : - Contacted M & T Bank XXXX XXXX XXXX form XXXX Bank XXXX having any XXXX with my SSN - Representatives provided contradictory explanations - Suggested contacting landlord despite M & T sending my SSN - Multiple supervisors avoided providing information - Calls deliberately disconnected during transfers REGULATORY VIOLATIONS : XXXX. Electronic Fund Transfer XXXX & XXXX XXXX : - Failed to properly investigate unauthorized activity - Did not provide required error resolution procedures- Violated record retention requirements- Failed to provide access to account information XXXX. XXXX XXXX : - Unauthorized possession of personal information - Improper sharing of SSN - Inadequate data security measures - Failure to protect consumer privacy XXXX. Fair Credit Reporting Act : - Unauthorized access to credit information - Failure to investigate disputes - Improper information sharing - Violation of consumer rights SUPPORTING EVIDENCE : XXXX. Documentary Evidence : - Original XXXX form showing unauthorized SSN possession - Bank correspondence XXXX contradictions - Written demands for information - Record of phone calls and transfers XXXX. XXXX XXXX : - Pattern of stonewalling - Inconsistent explanations - Deliberate obstruction - Coordination with other entities XXXX. Related Evidence : - Police reports regarding identity theft - Civil court filings- Other institutional records - Communication evidence REQUEST FOR INVESTIGATION : I request that the CFPB : XXXX. XXXX M & T Bank 's : - Unauthorized possession of my SSN - Creation of unauthorized accounts - Violation of Regulation XXXX - Pattern of obstruction XXXX. XXXX M & T Bank to : - Provide complete account records- Explain unauthorized SSN possession - Detail all accounts opened- Preserve all relevant evidence XXXX. Take Enforcement Action : - Issue civil monetary penalties - Require corrective actions - Mandate compliance reforms- Monitor ongoing conduct BROADER CONTEXT : This complaint is part of a larger pattern of financial misconduct currently being litigated in XXXX XXXX XXXX. The conduct of M & T Bank suggests institutional participation in a broader scheme of identity theft and financial fraud.