Consumer complaint received 2022-08-13
Company: PNC Bank N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pnc Bank loan service has violated many consumers credit laws. 

Under 15 USC 1681 ( a ) Permissible Purpose of Consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PNC did NOT/ do NOT have permissible purpose I did NOT give PNC my written consent to report anything to my consumers credit report. No consent is identity theft.

PNC BANK has violated many consumer laws so lets state a few.

Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This law clearly states that AGENCIES are to be accurate and fair. Wheres the accuracy and fairness? The last few words of 15 USC 1681a ( 4 ) states RESPECT FOR CONSUMERS RIGHT TO PRIVACY. PNC BANK has violated its 2nd consumer law. 

Under 15 USC 1611- Criminal Liability for willful and Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

PNC Bank has yet AGAIN, violated the law. 
PNC BANK willingly, carelessly and Knowingly violated 15 USC 1611.

PNC BANK has posted hard inquiries on my consumers credit report without my WRITTEN consent For every hard inquiry posted on my report is {$1000.00} a piece for every party responsible for every hard inquiries to my credit report.

Ive reached out to PNC BANK regarding this matter via mail/ certified letters with return receipts to rest assure that they receive my demands! PNC still failed to remove what was demanding them to do.

PNC BANK has also committed Aggravated identity theft. PNC REPORTED information as a third party, report to the credit bureaus and posted it to my consumers credit report as if they were me ; Knowingly and willingly that they are committing AGGRAVATED IDENTITY THEFT!

Under 18 U.S. Code 1028 ( a ) Aggravated identity theft ( A ) Offenses.- ( 1 ) In General- Whoever, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfer, possesses, or use, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Banks are borrowers!

A copy of this will be sent to all parties responsible, the attorney general and PNC loan Service XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation