Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
XX/XX/year> RE : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FALSE SUSPECTED FRAUD ACTIVITY REPORT TO XXXX  AND COMPENSATION FOR RESULTING DAMAGES XXXX XXXX, This letter serves as my formal notice and demand regarding First Horizon Banks false, defamatory, and damaging report to XXXX, which falsely labeled me as associated with Suspected Fraud Activity. 
This accusation is completely false and was submitted without cause, notice, or justification. 
The severity of such an entry can not be overstated. It has had immediate and serious consequences, damaging my financial reputation and interfering with my access to critical banking services. 
Even more concerning is that you had previously assured me in writing that no such reporting would take place. To quote your own communication : I want to reassure you this email template is simply just a template we use and in no way affects in public record, XXXX  reports, Credit Reports, or anything like that. It will not leave a negative mark on your record in any way and is just the legal requirement we have to send when we manually close a clients account electronically without being present with them in person.

Despite this representation, your institution went on to submit the most serious and damaging classification possible to a national consumer reporting agency, falsely implying criminal conduct. This is not only a breach of trust, but also constitutes negligent misrepresentation, defamation, and willful misconduct.

While I acknowledge your recent communication stating that a deletion request has been submitted, this does not resolve the matter. It also does not absolve First Horizon Bank of liability for the false accusation or the measurable harm already caused. 
Accordingly, I am demanding that your institution : XXXX. XXXX. Provide written confirmation that the XXXX  entry has been permanently and completely deleted from all records ; 2. 2. Issue a written explanation detailing how and why this defamatory report specifically labeling me with Suspected Fraud Activity was ever submitted, especially in direct contradiction to your written assurance ; 3. 3. Provide a written assurance that no such false or derogatory information will ever be reported again in connection with me or any account bearing my name ; 4. 4. Compensate me fairly and promptly for the tangible and reputational damages I have incurred including, but not limited to : disrupted access to financial services, time lost, emotional distress, reputational harm, and related consequential damages.

If I do not receive full written confirmation of compliance with these demands within five ( 5 ) calendar days from the date of this letter, I will take all necessary action without further notice, including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Office of the Comptroller of the Currency ( OCC ) ; Initiating civil litigation for defamation, negligent misrepresentation, economic losses, and punitive damages ; Seeking public and regulatory accountability for your institutions false and reckless conduct. 
This matter is not resolved until I receive your written confirmation and full compliance. I strongly urge First Horizon Bank to act immediately to correct the harm it has caused and avoid further escalation.

Company response to consumer: Closed with non-monetary relief