Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against XXXX and the financial institutions listed below for failing to remove fraudulent accounts and failing to comply with federal identity-theft laws under the Fair Credit Reporting Act ( FCRA ) and the XXXX & Accurate Credit Transactions Act ( XXXX ) : XXXX XXXX M & T Bank XXXX XXXX XXXX These institutions are reporting accounts marked as Account Abuse, charge-offs, and unpaid closures that were not opened or authorized by me. 

I am a victim of identity theft, and the information appearing on my XXXX report is fraudulent. 

DETAILS OF THE VIOLATION XXXX. Violation of FCRA XXXX Failure to Block Identity-Theft Information Under XXXX, ChexSystems is legally required to block fraudulent information within XXXX business days after receiving : My identity theft report ( FTC report XXXX Proof of identity Identification of fraudulent accounts Written dispute I submitted all required documents, yet XXXX  refused to block and remove the fraudulent accounts. 

This is a direct violation of federal law. 

XXXX. Violation of FCRA XXXX Failure to Conduct a Reasonable Reinvestigation XXXX XXXXailed to perform a reasonable reinvestigation and continues to report : XXXX XXXX XXXX Account XXXX XXXX M & T Bank XXXX Account Abuse XXXX XXXX XXXX XXXX XXXX Account Abuse ) These accounts do not belong to me, and XXXX XXXXas not provided any method of verification or documentation supporting their accuracy. 

XXXX. Violation of FCRA XXXX ( XXXX ) Failure of Banks to Provide Fraud Documentation Each bank is required under XXXX ( XXXX ) to provide : Account applications Transaction records Communications Fraud documentation Any records used to verify the identity of the person who opened the account All banks failed to provide these legally required documents. 

This prevents me from identifying how my identity was stolen and violates federal consumer protection laws. 

XXXX. Damage to Me as a Consumer The fraudulent accounts and XXXX entries have resulted in : Denial of checking account openings Denial of banking services Inability to access financial products Emotional distress Difficulty managing daily financial activities These damages are a direct result of XXXX  noncompliance with federal laws. 

WHAT I AM REQUESTING I am requesting that the CFPB require : XXXX  to : Immediately block and permanently remove all fraudulent information under FCRA XXXX Conduct a compliant reinvestigation Provide written confirmation of deletioXXXX XXXX XXXX XXXX M & T Bank, and Bank XXXX XXXX to : Provide all documentation required under FCRA XXXX ( XXXX ) Cease reporting fraudulent information Notify XXXX to delete the accounts FRAUDULENT ACCOUNTS IDENTIFIED ( as listed on my XXXX  report XXXX XXXX XXXX XXXX XXXX, closed XX/XX/XXXX M & T Bank Account XXXX, closed XX/XX/XXXX XXXX XXXX XXXX Account XXXX, closed XX/XX/XXXX These accounts were not opened, used, or authorized by me.

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