Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Subject : CFPB XXXX FCRA XXXX XXXX XXXX Violations by XXXX and M & T Bank XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
Furnisher : M & T Bank Account : Partial Acct # XXXX Credit Report # : XXXX -- - # # # I am submitting this complaint against XXXX XXXXXXXX XXXX XXXX XXXX and M & T Bank for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 reporting standards. 

Experian is reporting an M & T Bank secured credit card account in a manner that is factually inaccurate, technically impossible, and legally non-compliant, despite prior disputes. 

The account is reported as PAID AND CLOSED as of XX/XX/XXXX, closed at the creditors request. However, Experian continues to publish derogatory late payment history ( 30/60 days ) and inconsistent balance information after closure, causing ongoing consumer harm.

-- - # # # INACCURACIES AND VIOLATIONS The tradeline contains the following errors : - Account status shows PAID CLOSED, yet late payments are still reported - The account is a secured card with a {$500.00} credit limit, yet XXXX reports a {$610.00} high balance, which is impossible without explanation - Required data fields are missing or not reported, including : - Monthly payment - Account terms- Recent balance These contradictions make the account unverifiable under the FCRA. 

-- - # # # METRO 2 NON-COMPLIANCE XXXX is publishing data that violates CDIA Metro 2 Reporting Guidelines, including : - Reporting delinquency history on an account coded as paid/closed with no current obligation - Reporting a high balance exceeding the secured credit limit - Failure to properly populate mandatory Metro 2 data fields - Improper historical delinquency coding after account closure, which constitutes re-aging by effect Metro 2 standards prohibit this type of contradictory reporting.

-- - # # # FCRA VIOLATIONS XXXX actions violate, but are not limited to : - 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information - 15 U.S.C. 1681c ( a ) ( 4 ) Reporting adverse information with no present obligation -- - # # # HARM TO CONSUMER This inaccurate reporting has caused ongoing harm, including : - Suppressed credit scores- Increased credit risk classification - Denial or less favorable terms for credit opportunities The harm continues each month XXXX republishes this inaccurate tradeline.

-- - # # # RESOLUTION REQUESTED I am requesting that the CFPB require Experian and M & T Bank to : 1. DELETE this account in its entirety from my credit file 2. Provide proof of compliance, including : - Metro 2 field-level data submitted - Method of verification used - Complete payment history - Explanation for the credit limit/high balance discrepancy If the account can not be fully verified under FCRA and Metro 2 standards, it must be permanently removed. 

XXXX XXXX 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 explanation