Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
FTC/CFPB Complaint Summary PNC Bank Unlawful Credit Reporting Activity I , XXXX XXXX , submit this formal complaint against PNC Bank for willfully and repeatedly violating federal and state credit reporting laws by furnishing false, misleading, and injurious credit data to the nationwide consumer reporting agencies ( XXXX  and XXXX  ) . 

The subject account held with PNC Bankmarked Closed and Charged-Offcontinues to reflect monthly updates showing new late payment notations and delinquent statuses. This reporting is not only inaccurate but also legally impermissible under both federal and Maryland law.

Violations Committed : Federal Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits a furnisher from reporting information it knows is inaccurate.

15 U.S.C. 1681i ( Section 611 ) : Mandates credit bureaus to reinvestigate disputed information.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to correct or delete inaccurate, incomplete, or unverifiable information after notice of dispute.

15 U.S.C. 1681c ( Section 605 ) : Prohibits reporting obsolete information.

15 U.S.C. 1681n1681o ( Sections 616617 ) : Provide for statutory and punitive damages for willful and negligent violations.

FTC Guidelines on Charge-Offs : The Federal Trade Commission has made it clear that charged-off accounts are no longer legally collectable through routine account activity unless revived through new, voluntary consumer engagement. Furnishing updated delinquencies after charge-off is deceptive, misleading, and constitutes unlawful re-aging of debt.

Maryland Consumer Protection Law Violations : Md. Code, Commercial Law 14-1202 : Requires furnishers to report information with maximum possible accuracy.

Md. Code, Commercial Law 14-1205 : Requires investigation and correction upon consumer dispute.

Md. Code, Commercial Law 13-301 : Prohibits unfair, deceptive, or abusive practices.

Md. Criminal Law 8-304 : Forbids the use of false identifying information to defraud or injure.

Specific Complaint Details : Creditor : PNC Bank Account Status : Closed / Charged-Off Balance : {$0.00} ( Charged-Off ) Issue : Monthly updates reflect new missed payments and derogatory status, suggesting the account is active and unpaid, which is false. This practice causes substantial, compounding harm to my credit profile and is a clear violation of consumer protection statutes.

Supporting Evidence : Uploaded copies of both XXXX  and XXXX  reports showing these updates despite the closed, charged-off status.

Request for Resolution : Permanent deletion of all negative credit data associated with the PNC Bank charged-off account.

Formal notice of compliance sent to me within 10 business days.

Investigation and enforcement against PNC Bank for knowingly violating FCRA and Maryland state laws.

Referral for civil and/or regulatory penalties due to repeated and willful misconduct.

This issue has persisted despite prior disputes and complaints submitted through both CFPB and credit bureau portals, and I am now requesting that the FTC and CFPB intervene directly to prevent further harm.

Company response to consumer: Closed with explanation