Consumer complaint received 2023-02-23
Company: TRUIST FINANCIAL 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: Account information incorrect

Complaint:
Creditor : Truist Bank Account # XXXX I have reached out to Truist Bank repeatedly over the past year regarding my account that was paid off last XX/XX/XXXX. I was told repeated that my account fell through the cracks and that it should have been closed out and the amount updated as paid in full and the balance in my XXXX report shows {$0.00}. I have a letter of proof from Truist bank stating that my account was paid off in full as evidence. I even filed a dispute with XXXX in which they even concluded in XX/XX/XXXX that my account balance was {$0.00} and account was reported paid in full. Truist then sent a response to XXXX on XX/XX/XXXX saying the account was not paid in full which it completely untrue. This is against Consumer Protection laws I am submitting this request for Truist to update my account immediately or I will be filing a lawsuit against them and will being suing for monetary damages suffered as a result of my credit report not being updated. This is fraud and illegal to do this to consumers. 

I spoke to the following people at Truist Bank : XX/XX/XXXX - XXXX XXXX ( Employee # XXXX ). She stated that my credit report would be correct by no later than XXXX XXXX, XXXX. She apologize as my account fell through the cracks. 
XXXX XXXX - I spoke to a representative XXXX and he said that XXXX followed out with the account on XXXX XXXX and that they the credit team resolved it XXXX and that it should be removed from my credit reports 30 days after by XXXX XXXX XX/XX/XXXX - I spoke to a representative XXXX and she confirm that the account would be resolved and removed from my credit reports by XXXX XXXX and that a Supervisor XXXX  XXXX XXXX  would call me back. That never happened. 

XX/XX/XXXX - I spoke to XXXX XXXX again and this conversation was recorded of then admitting that they were sorry it was not been removed from my report and that it fell through the cracks and it would be taken care of and that Supervisor was going to call me back, That never happened. 

XX/XX/XXXX - I submitted a dispute with XXXX as the balance still showed {$9500.00} instead of {$0.00} per the resolution decision that was mailed to me from XXXX on XX/XX/XXXX. XXXX stated that someone from Truist Bank submitted a response back to XXXX on XX/XX/XXXX stating that the account was not fully paid off without any evidence to provide. 

This is illegal and against the law. Truist can not keep unsubstantiated and incorrect information on my credit report without providing proof tot he contrary. I not only have proof with the letter from Truist bank from XX/XX/XXXX, but I also have a recording of the conversations with Truist Bank admitting they made a mistake and this fell through the cracks. 

I will be pursuing legal actions in the Maryland XXXX XXXX if this is not taken care of as this is a severe abuse of the me as a consumer. I have provided evidence and proof that this has been paid off and Truist Bank continues to practice in a unethical manner. 


Sincerely XXXX XXXX

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