Product: Credit reporting or other personal consumer reports

rom : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXXXXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXXpncXXXX XXXX XXXX XXXXXXXX Subject : Re : Follow-Up on Mortgage Payoff and Consumer Credit Matters correspondence # XXXXPNC Bank Hello, I am submitting my XXXX credit report dated XX/XX/XXXX for your immediate attention. Let 's address your claim that there is " no bank error. '' This credit reporting agency lists a date closed as XX/XX/XXXX. On page 4 of 22, the payment Hello, I am submitting my XXXX credit report dated XX/XX/XXXX for your immediate attention. Let 's address your claim that there is " no bank error. '' This credit reporting agency lists a date closed as XX/XX/XXXX. On page 4 of 22, the payment history clearly shows issues for XX/XX/XXXX. Does it indicate I was over 120 days late? I'm not sure why it stopped on XX/XX/XXXX because we both know it was way back in XXXXXXXX XXXX XXXX my first actual late payment. 



Furthermore, the estimated removal date for this item is XX/XX/XXXX. Who updated this informationwas it me or PNC? How can my late payment from XX/XX/XXXX replace my actual late date from XXXX? Despite numerous updates to my credit report, the information remains incorrect and needs to be rectified immediately. 



I demand an explanation for this discrepancy. Should I provide evidence of how many times I have disputed this item in the last year? Why cant PNC simply retrieve a general ledger? Instead, you informed me that you spoke to your legal and credit reporting department, and all is good, with no bank error. 



When you claim there is no bank error, is that solely based on your decision to update XXXX to reflect my payoff date in XX/XX/XXXX as my first date of delinquency? This constitutes a bank error. 



Do you possess a copy of my loan modification? I'm prepared to send another copy if needed, just in case it is dismissed. There is no written authorization for you to report an incorrect late payment in place of my actual missed payment. XXXX continues to reflect this late payment, which is harming my credit, and you lack the evidence to justify selecting any late date. 



The inconsistency across credit agencies is unacceptable, and your refusal to correct my credit report has resulted in significant financial damage, including increased interest rates due to your error. Therefore, the next time you contact me claiming there is no bank error, I expect a thorough and factual explanation rather than a waste of my time. 



I have filed yet another dispute with XXXX. It is imperative that you instruct your credit department to review their reporting and update it as required. This item should have been removed last year when it reached the 7-year mark ; anything less is unacceptable. 



If we are still discussing this matter by XX/XX/XXXX, I will have been forced to wait 9 years following my first actual late payment. This is in direct violation of the law, which states that items must be removed after 7 years from the first missed payment. I've included a screenshot below showing that PNC has reported this late payment and it remains on my credit report. Its time for accountability, so please ensure the necessary corrections are made promptly. 



Thank you. 



Best regards, XXXX XXXX. 







You removed all late payments from the other credit reporting agency, so you want to tell me that reporting a late payment while on a loan modification was the wrong thing to do and that it should have been removed? Is that considered a bank error? Regardless of how you want to view it, it's a bank error. 



Please update your error even today. How is this not a bank error? I'm sorry, but your letter stating that it isn't doesn't change the facts. Am I supposed to see it differently just because PNC has stated it in their letter, even though the factual evidence shows otherwise? 







Inline image Inline image On Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote : I need to clarify a critical point regarding the timeline of changes to my credit report. Initially, I stated that the modifications were made in XX/XX/XXXX, but the fact is that PNC changed the recent payment and delinquency date from the first delinquency date of the XXXX first date of delinquency to XX/XX/XXXX. The first day of appeared on my XX/XX/XXXX credit report, and on the screenshot, it will have the status updated to XX/XX/XXXX. 



I possess credit reports from XXXX, XXXX, and XX/XX/XXXX that clearly provide evidence of when the status update occurred and how it was corrected. If you suggest that my current credit report shows only one late payment instead of several, this adjustment should have been made much earliereither when I executed the loan modification or when I paid off the loan in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I should have made my first late payment in XXXXXXXX XXXX XXXXXXXX, 7 years when I called PNC in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to remove this tradeline. 



If that is true, then your failure to remove all late payments has resulted in damages for me, especially since this was during the modification period. When XXXX took on this case from XXXX, she did not review her notes thoroughly. XXXX 's email is below, and if she stated that she requested a deletion, then it is unacceptable for XXXX to have sent me a letter claiming there was no bank error when changing my last late payment from XXXXXXXX XXXX XXXXXXXX in fact, there was an error that needed correcting. Whether or not it was XXXX 's oversight, the bank must have records that have not been properly examined. This situation is costing me money every day, and I expect a clear and logical explanation for this unacceptable oversight. 



If your letter includes claims that PNC has reported as required by law, please provide a signed agreement related to the loan modification that specifically addresses the revision of the first delinquent payment. If you can not provide this, there is no valid reason to update my first delinquent date to XX/XX/XXXX, particularly since that was the date I paid off the loan and I agreed to this. 



Upon reviewing my agreement again, I found no evidence supporting your claim regarding the right to update the first delinquent date of XXXX. When was I made aware of this change? Please advise. When did I sign my rights away? 



You mentioned that I have to wait another seven years before this information will be deleted. Will PNC compensate me for the 14 years of erroneous reporting that violated the Fair Credit Reporting Act? Will you also reimburse me for all the interest that has resulted from this going back? Who else have PNC targeted? 













Today 's report, Inline image Inline image On Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX wrote : Below is the XX/XX/XXXX report, revealing that accounts were past due for over 120 days. Should I delve back to XXXX for further clarity? Lets revisit this : what was the date of my first delinquency? It certainly wasnt XX/XX/XXXX, as the facts clearly outline below. I trust the letter youre preparing will provide the much-needed evidence of how this situation unfolded. Its high time we addressed this, as it has been dragging on for far too long. 



Do you have a standard operating policy in place that addresses the issues we discussed over the phone? I truly hope so, especially since this information is absent from my loan modification agreement. Its evident that the actual dates of delinquency are established, and there are no clauses in the modification that grant PNC any exemptions from the law. 



While weve acknowledged that errors have occurred, I am not focused on the specifics of when, how, or by whom these mistakes were made. What matters now are the facts. If you can not provide a thorough explanation, I kindly ask that you remove the inaccurate information from my credit report. I eagerly await your response regarding how you will rectify the situation caused by PNC 's errors, as it has resulted in a considerable financial setback for me. 



Wishing you a wonderful day! 







Inline image Inline image Inline image On Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote : Lets clarify the dates and statements in the letter, as it is clear that a bank error occurred when the letter claims otherwise. 



Firstly, in the email dated XX/XX/XXXX, XXXX stated she would remove a delinquency and had contacted XXXX. Today, I also contacted them and requested the removal of the PNC entry. 



I need an explanation for why my first late payment was reported as occurring in XXXX when the credit report indicates an account history with a status code showing it was 180 or more days past due as of XX/XX/XXXX ( see screenshot below ). This situation presents a clear inconsistency, as it should have reflected a late payment in XXXX. Ive highlighted how PNC updated this information and noticed one or two errors. Ive attached another screenshot to illustrate these discrepancies. 



The corrected first day of delinquency was well before XX/XX/XXXX, right? Isn't that what PNC reported to XXXX? Furthermore, when PNC updated in XX/XX/XXXX, they claimed no damage was caused since the reporting was correct ( I also attached a screenshot from XXXX showing when PNC made the status update in XX/XX/XXXX ). I have highlighted that for you. You forgot that the agencies do keep track of dates updates occur. 



I demand to know the date on which the correction was reflected. What specific dates are you using as a reference? The facts indicate otherwise. This situation has caused me ongoing damage, not just once. If you updated this information, why wasnt it done earlier, like in XXXX when I paid the mortgage in full? You mentioned that the loan modification had no clauses addressing how PNC would handle credit reporting or referencing that any late payment was necessary for loan modification eligibility. PNC advised me that I needed to be late before they could conduct any loan modification. Is this your requirement? If I had to be late before the loan modification, wouldnt that place me in XXXX? Lets consider the logic since your investigation skills are lacking. How many times have I asked PNC to update my credit reporting since you can not get the 1st date of delinquency right? This is causing me emotional pain due to the ignorance and lies. 



Regardless of how you choose to present this in your letter, we need to address the facts. PNC acknowledged the update in XXXX, yet XXXX sent me a letter on XX/XX/XXXX, stating " no bank error. '' This raises the question : is she disregarding the evident issues? Are your co-workers blind? or was I a victim of deceptive practice and discrimination based? 



Your letter should not state that no bank error occurred. Instead, it should provide an explanation for why this happened, as it violates several laws. I expect this issue to be removed, as it falls under the 7-year rule. If this is a new policy related to my loan modification, please highlight that ; otherwise, I expect you to comply with the law. 



XXXX XXXX XXXX image Inline image Inline image Inline image Inline image Inline image On Tuesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote : Subject : Follow-Up on Credit Report Issues Hello, I wanted to recap our previous discussions regarding my credit report. XXXX is still showing my first late payment as occurring in XXXX. We established that PNC only updated two credit bureaus when I reached out to them in XXXX. Please respect my time and understand that you previously overlooked the evidence I provided, which clearly shows that my first date of delinquency was in XXXX and not XXXX ( FACTS ). Therefore, the late payment in XXXX can not be considered my first late payment. we could also request a payment ledger to make it more clear. Let me call customer service to provide evidence. 



I kindly ask you to thoroughly review all our email correspondence. As mentioned, I prefer to keep all communication in writing from now on and will not be taking any more phone calls. 



Additionally, we established that the loan modification does not state that it would reset all payments before or after the loan modification ; correct and selectively report only what you want as the first late payment based on my most recent payment. This is why I filed the complaint against PNC. What made you select me to not say it wasn't discriminatory or deceptive? 



Please note that all credit bureaus keep records of updates made and their respective timeframes. I encourage you to read the loan modification carefully and conduct a more thorough investigation before contacting me again with incomplete information or discrepancies in your story. Also, I will be replying with supporting evidence that contradicts your " investigation '' Thank you for your attention to this matter. 



Best regards, XXXX XXXX Inline image Inline image On Monday, XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Good Afternoon, We are preparing a written response regarding your concern. We can also discuss the details over the phone whenever you are available. 



You can reach me at XXXX. I am available Monday Friday from XXXXXXXX XXXX XXXX 


Please be advised that this is an unsecured form of communication. In efforts to protect your privacy respond only with general information. 


Thank you, XXXX XXXX XXXX | PNC Bank XXXX XXXX XXXX XXXX of the Customer XXXXpncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Follow-Up on Mortgage Payoff and Consumer Credit Matters correspondence # XXXXPNC Bank Good Morning XXXX XXXX Sorry I missed your call, but please feel free to reach out to me via email. Thanks, On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX wrote : Dear XXXX XXXX Good Morning XXXX XXXX Sorry I missed your call, but please feel free to reach out to me via email. 



Thanks, On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wrote : Dear XXXX XXXX  I would like to express my gratitude for your attention to this matter. In summary of our recent phone conversation, I have contacted the Office of the Illinois Attorney General for assistance regarding my situation with PNC. Despite my efforts to reach out directly to PNC in order to enforce the seven-year rule applicable to consumer credit, I have encountered challenges. 



The seven-year rule dictates the duration for which specific negative information remains on an individuals credit report. According to federal law, certain negative entries, including late payments, should be removed from credit reports seven years after the date of the first missed payment that resulted in such status. Unfortunately, I believe PNC has not complied with this regulation, thereby violating both federal and state laws. 



Furthermore, after making multiple requests for goodwill letters to your institution, I have been denied assistance a few times. PNC has informed me that I must wait the full seven years, citing a policy that does not allow consumers to amend their credit reports or request goodwill deletions. This stance is contrary to the practices of many creditors across the country. I also submitted a deletion request in XX/XX/XXXX, as evidenced in the attached document, but once again, my request was declined. 



In my professional capacity, I have facilitated goodwill letters for clients navigating credit challenges and for myself when facing financial difficulties. In my particular case, I resolved accounts subsequent to selling my home, with an agreement from creditors to remove negative entries from my credit report. 



In XX/XX/XXXX, my attorney, XXXX XXXX XXXX, the title company, and I engaged in discussions with PNC Bank to obtain a payoff quote. PNC was informed that I had secured a sales contract with a closing date scheduled for late XXXX. At that time, PNC received the necessary funds to settle the outstanding mortgage. 



In XXXX, I filed a dispute with the credit bureaus and the Consumer Financial Protection Bureau ( CFPB ) regarding the reporting of my account. I requested an update in light of my compliance with the seven-year rule following your denial and the lack of communication from your co-worker before my case was assigned to XXXX. I received a response indicating that XXXX XXXX reviewed my dispute and concluded that " no bank error occurred '' in the loan information reported to the credit bureaus. PNC claimed it could not remove the reporting for this loan because it is obligated to provide accurate account information. This statement contradicts my credit report and seems misleading, raising questions and flags. 



During a follow-up telephone conversation in which I sought supporting evidence, I was directed to my loan modification agreement. I was informed that, due to my acceptance of this agreement, all payments made prior to that date were removed from my credit report, and I was only flagged for a late payment in XX/XX/XXXX. This assertion contradicts the information provided in PNC 's letters, as the data clearly indicates that PNC caused damages and provided misleading information, which has resulted in ongoing financial harm. If this was the correct procedure, it was not implemented previously, which could have helped me avoid the high interest rates I am currently enduring. 



Enclosed is a copy of my loan modification agreement, which XXXX did not provide to me for my dispute with the CFPB. After contacting PNC to raise concerns regarding this matter, a manager subsequently forwarded me a copy of my agreement. Notably, this document does not contain any language indicating that I waived my rights under the seven-year rule or any provisions that would suggest that PNC operates above the law. This raises serious questions regarding potential discriminatory practices and whether PNC has targeted specific individuals for unwarranted treatment. I attached a screenshot to the email so that this can be based on facts. 



The ability to mislead consumers to evade legal accountability also raises significant concerns regarding ethical compliance and integrity within the institution. Moreover, I seek clarification on how many other individuals have faced similar rights revocations and whether patterns of discrimination against specific groups have resulted in harm. 



I believe this situation may reflect underlying issues of discrimination or personal bias. After my conversation with XXXX, a PNC manager informed me that the bank supports her actions and will adhere to her recommendations, which include not removing any negative information from my credit report. While the bank asserts that it has not caused me harm, the evidence suggests otherwise. This indicates negligence on the part of the bank, as I informed management of my concerns, yet they did nothing to address the situation. I was also told that XXXX consulted with the legal and credit reporting teams, and they advised her that she was acting in accordance with the law, which I dispute. 



My credit report now inaccurately reflects only one late payment in XXXX ; however, I have been advised to wait an additional seven years for any negative entries to be removed, despite having paid my debts in full and the interest as stipulated in my loan modification agreement. Nowhere in the documentation does it specify conditions related to credit reporting? 



The actions taken by PNC Bank have resulted in significant financial harm and have also caused considerable emotional distress. I have been compelled to pay a higher interest rate on my home purchase in order to secure more favorable terms, a direct consequence of the refusal to amend my credit report. I also spent approximately {$19000.00} on discount points in XXXXXXXX XXXX XXXX. Furthermore, due to your inaccurate reporting, I have incurred higher interest rates on credit cards, automobile loans rate at 44 %, personal loans rate at 20 %, and other financial obligations. If my credit report had been updated accurately, I would not be confronting several years of financial repercussions extending from XXXX XXXX XXXX. I'm seeking that PNC make me whole. see the screenshot below for supporting evidence. 



I respectfully request that the Office of the Illinois Attorney General review this matter and gather factual data to determine how many other consumers may have experienced discrimination as a result of PNC 's standard operating procedures and inadequate call screening processes, which fail to ensure compliance with established government regulations but most importantly against the law. 



I ask that you take prompt action to correct the inaccuracies on my credit report and acknowledge that an update has already taken place. The harm inflicted has been significant, and I will not remain silent while my rights as a citizen to enforce the seven-year rule are disregarded. I do not owe anything further to your institution. Additionally, it is disheartening to observe a lack of compassion from a bank that has benefited from federal assistance to maintain its operations. 



I advocate for equitable treatment and urge accountability for hiring employees XXXX XXXX XXXX XXXXfessional behavior and violate my rights and the law. Thank you for your attention to this serious matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Attachment : Loan modification agreement Evidence : The date below has the wrong date ; the first delinquent date should have been XXXXXXXX XXXX XXXX. The first PNC revision was to update the date of the first date of delinquency, which was incorrect. 

XXXX of many revisions to my credit report by PNC bank. Shows contradictions in their letter. 


XXXX XXXX XXXX XXXX XXXX XXXX The letter above contradicts the revised credit report following the PNC review. 



Inline image I have also filed many disputes with all three credit bureaus, indicating that PNC had ample time to review and delete before reaching this level. 





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