Consumer complaint received 2023-02-09
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : M & T BANK ; Account number : XXXX Congress makes it very clear that M & T has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In the consumer credit transaction mentioned above, without giving me the opportunity to opt out, M & T chose to break the law and furnish my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, XXXX XXXX XXXX ). According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. According to 15 USC 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. M & T admitted to me that they passed my personal nonpublic information to a company named Radius Collection via letters in the mail.

M & T also failed to properly respond to my request for validation of this debt according to 12 CFR Part 1006 ( Regulation F ). They did not remove the unvalidated account from my consumer report while this account was being validated.

According to 15 U.S.C 1681 section 602 A., I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. I NEVER gave M & T written instruction to furnish anything onto my consumer report. I want them to delete this account from my consumer report. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. M & T is aware that they are violating my rights as a consumer. I have disputed this account. I have sent them a notice of dispute. M & T has willingly broken several laws and violated my privacy. This leads to adverse action against me. I am NOT pleased at all.

They seem to have a blatant disregard for the law.

Furthermore, the Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment falls under the category of transactions. They should not be on my consumer report.

M & T has violated several laws at this point. Not only that, they are even reporting inaccurate information to my consumer report. I want this account deleted from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief