Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to demand immediate deletion of fraudulent, unverifiable, and inaccurate reporting by PNC Bank and XXXX XXXX XXXX ( XXXX  ). 
I have repeatedly contacted PNC regarding XXXX accounts being reported : Account # XXXX Shows a balance of {$1.00}, which PNC staff confirmed was forgiven. Reporting such a trivial debt is inaccurate and violates FCRA standards. 


Account # XXXX PNCs own collections staff ( XXXX XXXX XXXX ) confirmed no record exists for this account, yet XXXX  continues reporting it as open with no closure date. 


PNC representatives have confirmed : No balance is owed. 


The second account can not be located. 


These tradelines should not be reported. 


Despite repeated confirmations, XXXX continues reporting these accounts, demonstrating patterned, willful misconduct, including : Repeatedly ignoring verified information provided by PNC staff. 


Continuing to report unverifiable or trivial accounts after multiple disputes. 


Causing direct, ongoing harm to myself and my children, including repeated denials of banking services, credit, and financial opportunities which are directly harming myself and my children. 



Direct Impact / Harm Denial of banking and credit services prevents me from supporting my children as a single mother and sole provider. 


Severe stress, XXXX  XXXX, and XXXXXXXX XXXX XXXX impacts for me. 


Emotional and developmental harm to my children, supported by written statements from my children supporting their distress. 


This ongoing harm has caused missed financial opportunities, financial setbacks, including significant emotional, social and developmental harm to my children.Their negligence and bullying tactics are preventing me from supporting my family as a single mother and sole provider. XXXX  told me this could be a red flag to bankers, loans etc and continued to aid in my continued denials of credit and services, directly tied to their inaccurate reporting. 


This pattern of repeated violations reflects deliberate corporate wrongdoing, not isolated errors, and justifies enhanced compensatory and punitive damages.This also constitutes continuous and direct harm, which is fully documented and legally actionable. 

Violations of Law FCRA 1681e ( b ), 611 ( a ), 623 ( a ) ( 2 ), 607 ( b ), 616, 617 Reporting unverifiable or inaccurate accounts ; failure to investigate disputes ; willful and negligent noncompliance FDCPA Unlawful and inaccurate debt reporting Gramm-Leach-Bliley Act Failure to safeguard consumer information Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ) Unfair, deceptive, and unlawful reporting practices FCRA 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy. 


FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate disputes within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) ( i ) Inaccurate or unverifiable information must be deleted ; updates to derogatory status are unlawful.

FCRA 611 ( a ) ( 5 ) ( B ) Deleted information may not be reinserted without certification and notice.

FCRA 623 ( a ) ( 2 ) Furnishers must not report information they know or should know is inaccurate.

FCRA 607 ( b ) CRAs must implement procedures to assure maximum possible accuracy.

FCRA 616 Civil liability for willful noncompliance.

FCRA 617 Civil liability for negligent noncompliance.

FDCPA violations Misreporting by a furnisher constitutes unfair debt collection.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016802 ) Failure to safeguard and prevent misuse of consumer data.

Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) Unfair, deceptive, and unlawful reporting practices harming Georgia consumers. 


14th Amendment Due Process Repeated reporting without verification or opportunity to dispute violates my familys constitutional rights.

No Updates Deletion Only Under FCRA 611 ( a ) ( 5 ) ( A ), unverified accounts must be deleted, not updated to closed, settled, or paid in full. Any attempt to update instead of delete constitutes continued noncompliance and willful harm.

Demands Immediate deletion of PNC Bank accounts # XXXX and # XXXX from XXXX XXXX XXXX and all other reporting agencies. 


Permanent suppression of these tradelines with a block under FCRA 605B for unverified reporting. 


Written confirmation of deletions within 15 days of receipt. 


No reinsertion without strict compliance with FCRA 611 ( a ) ( 5 ) ( B ). 


Compensation for damages and attorneys fees, including : Emotional, mental, and physical harm to myself and my children Lost financial opportunities and banking/credit access Stress, XXXX, and developmental harm experienced by my children ( supported by written statements ) Punitive damages for willful, reckless, and repeated violations. 
Full attorney fees and costs Reservation of Rights Failure to comply will result in immediate legal escalation. I hereby expressly reserve all rights to pursue : Statutory damages of up to {$1000.00} per FCRA violation ( 1681n, 1681o ) Actual and punitive damages for emotional, financial, and familial harm, including harm to my children Full reimbursement of attorneys fees and costs Additional remedies under FDCPA, GLBA, and Georgia Fair Business Practices Act

Company response to consumer: Closed with explanation