Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am submitting this complaint regarding Regions Bank and the continued inaccurate and misleading reporting of account # XXXX on my consumer credit file, specifically on XXXX. Despite prior disputes and formal notices, the furnisher continues to report contradictory and unsupported information that violates the Fair Credit Reporting Act ( FCRA ) and fundamental credit reporting accuracy standards. The account in question is currently being reported with a payment status of Lost or Stolen Card, while simultaneously showing a {$0.00} balance, no delinquency history, and a closed account status. Additionally, the account status is listed a s Indeterminate. These classifications are internally inconsistent and materially misleading. A tradeline can not be verified as accurate when it simultaneously reflects an abnormal fraud-related status while showing no outstanding balance, no payment history issues, and no documented investigation results. Furthermore, several critical reporting fields associated with this account are incomplete or missing. The account type is listed as Information Not Available, and other identifying data fields appear either blank or undefined. These deficiencies demonstrate that the information being furnished lacks the required completeness and reliability necessary for lawful reporting under federal law. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Allowing an account to be reported with incomplete identifying information, abnormal status codes, and unsupported classifications directly violates this statutory requirement. In addition, once a dispute is submitted, 15 U.S.C. 1681i requires the credit reporting agency to conduct a reasonable reinvestigation of the disputed information. Similarly, under 15 U.S.C. 1681s-2 ( b ), the furnisher ( Regions Bank ) is required to conduct a reasonable investigation, review all relevant information, and correct or delete any information that can not be verified as accurate and complete. To date, neither Regions Bank nor XXXX has provided any primary-source documentation that substantiates the reporting of a Lost or Stolen Card designation. If this classification were legitimate, the furnisher should be able to provide documentation including : The date the card was reported lost or stolen The method of notification Any fraud report or affidavit associated with the claim Documentation of the investigation outcome Records showing how the account was coded or resolved internally No such documentation has been produced. The situation is further concerning because this tradeline appears only on XXXX and does not appear on XXXX or XXXX, suggesting that the information can not be consistently verified across consumer reporting agencies. This discrepancy raises additional concerns about the validity and accuracy of the reporting. The continued reporting of unsupported and contradictory information after multiple disputes constitutes negligent and potentially willful noncompliance with the Fair Credit Reporting Act. Reporting a fraud-related status such as Lost or Stolen Card without verifiable documentation is particularly harmful because it creates a misleading credit profile and may improperly influence lending decisions. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Regions Bank and XXXX to provide certified documentation supporting every reported data field associated with this account. If Regions Bank can not produce verifiable original creditor records supporting the reported status and classifications, the tradeline must be permanently removed from my credit file. This complaint is being submitted because my prior disputes have not resulted in a lawful or reasonable investigation, and the inaccurate reporting continues to cause harm to my consumer credit profile. I respectfully request that the CFPB require the following corrective actions : A full investigation into the reporting practices of Regions Bank regarding this account. Immediate correction or permanent removal of the inaccurate tradeline if documentation can not be produced. Written confirmation of the results of the investigation. Assurance that all information reported about me is complete, accurate, and fully compliant with the Fair Credit Reporting Act. Consumers should not be subjected to inaccurate or unsupported reporting practices that fail to meet federal legal standards.

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 explanation