Consumer complaint received 2022-12-29
Company: PNC Bank N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a consumer report from XXXX XXXX XXXX  on or about XX/XX/XXXX. The report contained a detailed accounting of my XXXX banking account transactions with PNC Bank/Compass Bank XXXX XXXX XXXX XXXX Compass Bank, aka BBVA , was purchased by PNC Bank in the XXXX XXXX ). PNC Bank shared my person information in violation of PNC 's Terms & Conditions with its checking account customers which states on page XXXX : FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

It also states in PNCs Term & Conditions that : Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. 
PNC DOES NOT SHARE with non-affiliates It further states in PNCs own Terms & Conditions the following for California Residents ( as I am a resident of California ) : All statements to Federal Law mentioned above reference U.S. Federal Law. California and Vermont : If your account has a California or Vermont billing address, we will AUTOMATICALLY LIMIT SHARING your information with affiliates and non-affiliates or for joint marketing with other financial companies. 

Additionally, PNC and XXXX XXXX XXXX have violated my federally protected rights under the Privacy Act of 1974/5 USC 522a by sharing my personal information. As there was and exists no permissible purpose under the law, for PNC to share my personal information with XXXX XXXX XXXX, a XXXX party, both PNC and Early Warning services are in violation of 15 USC 1681b. They also violated 15 USC 1681b, Title IV section 604 ( aka Fair Credit Reporting Act ) and Public Law 90-321, by sharing and disclosing my personal information including my social security number which is illegal to do under federal law. The laws states that it is only to be shared " In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) '' ; or, " To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. '' At no time did I give permission for PNC to share my information with XXXX XXXX XXXX who is a nonaffiliate. At no time did Early Warning Services obtain my consent to obtain my information for any permissible purpose. At no time did PNC communicate, indicate, inform, nor seek my consent to share my personal information with Early Warning Services. 

Because both PNC and XXXX XXXX XXXX have acted fraudulently with my bank account and my personal information, they have violated PNCs own Term & Conditions which expressed that it does not and would not share personal information with a nonaffiliate, but they also acted abusively violating my consumer rights under 15 USC 1692, UDAAP and CCFPL. I will also be reporting these violations to the CA Attorney General, DFPI, and the state and federal Comptroller 's offices.

Company response to consumer: Closed with explanation