Consumer complaint received 2023-03-14
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached to this complaint is a copy of my credit report specifically the account which is inaccurately being reported by PNC BANK. 

I have previously sent copies of these inaccuracies to PNC BANK Also, attached is response letters by PNC BANK dated XX/XX/XXXX that has been marked in the red ink to show incorrect statements.. and blatantly, willful violations of the fair, credit reporting act and the fair debt collection practices act. 

PNC BANK is in violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


In response to PNC BANKs letter dated XX/XX/XXXX The attached credit report ( attached ) shows that the information being reported by PNC BANK does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can PNC BANK be reporting accurately to the credit reporting agencies if each credit reporting agency has different information? 
the account number for the ( Pnc ) account does not match between all three credit reporting agencies The account type for the ( Pnc ) account does not match between all three credit reporting agencies the number of months ( terms ) for the ( Pnc ) account does not match between all three credit reporting agencies the high credit for the ( Pnc ) account does not match between all three credit reporting agencies the last reported date for the ( Pnc ) account does not match between all three credit reporting agencies The comments for the ( Pnc ) account does not match between all three credit reporting agencies The date last active for the ( Pnc ) account does not match between all three credit reporting agencies The date of last payment for the ( Pnc ) account is blank on all three credit reporting agencies ( In the two-year payment history ), from the date of XX/XX/XXXX to XX/XX/XXXX for the ( Pnc ) account does not match between all three credit reporting agencies the letter, states that the last payment Pnc received was XX/XX/XXXX for the XXXX cycle. ( Which admits that there was no payment in XX/XX/XXXX ). 
the credit report attached shows that Pnc indicated a payment in XX/XX/XXXX ( inaccurate ) because of the inaccuracy of XX/XX/XXXX the date of charge of is in accurate as well 36 separate violations of the fair credit reporting act proven in attached credit report letter from PNC BANK dated XX/XX/XXXX proves how many times I notified PNC BANK of these inaccuracies Because I notified PNC BANK more than eight times within a two year span makes their violations willful ( took longer than 30 days to fix the inaccuracies ) there is no way anyone with eyes can look at this credit report and not see the inaccuracies which equal violations

Company response to consumer: Closed with explanation