Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Pennsylvania XXXX, XXXX To : The Tower at PNC XXXX XXXX XXXX XXXX XXXX, PA XXXX AFFIDAVIT OF FEDERAL AND STATE CREDIT REPORTING VIOLATIONS PNC BANK\n ( Pursuant to 28 U.S.C. 1746 Affirmation Under Penalty of Perjury ) I, XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX, affirm under penalty of perjury under the laws of the United States and the XXXX of Pennsylvania as follows : I. IDENTIFICATION OF DISPUTED TRADELINE The PNC Bank credit account, reported by Experian, TransUnion, and Equifax, exhibits the following discrepancies : A solitary 30-day delinquency reported for XX/XX/XXXX, without any preceding or subsequent late payments, rendering the entry anomalous and potentially misleading. 
Absence of a disclosed Date of First Delinquency ( DOFD ), which is essential for determining the reporting period of derogatory information. 
The account is inaccurately marked as open despite a lack of recent activity, suggesting outdated or incomplete reporting. \n These issues collectively result in an incomplete and potentially misleading representation of the account 's status. 

II. VIOLATIONS AND LEGAL BASIS The aforementioned discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information reported.

1681c ( c ) ( 1 ) : Prohibition against reporting obsolete information, particularly when the DOFD is undisclosed, hindering the determination of the permissible reporting period.

1681i ( a ) : Failure to conduct a reasonable reinvestigation upon receiving notice of dispute regarding the accuracy of the information. \n Legal precedents supporting these claims include : Angino v. TransUnion , LLC , 1:17-cv-954 ( M.D. Pa. 2017 ) : Emphasized that CRAs must follow reasonable procedures to ensure maximum possible accuracy under 1681e ( b ).

McGrath v. Credit Lenders Service Agency , Inc., No. 2:21-cv-00510 ( E.D. Pa. 2022 ) : Reinforced that entities involved in assembling consumer information are obligated to ensure its accuracy and completeness.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Held that a CRA violates 1681i ( a ) when it fails to conduct a reasonable reinvestigation after a consumer disputes information in their credit report. \n III. HUMAN TRAFFICKING STATUS I am a certified victim of human trafficking, as documented by Agape Advocacy Consulting, a DOJ-recognized NGO under Texas Property Code 123.001. This status is substantiated by a Self-Attestation dated XX/XX/XXXX. 
Under XXXX5 U.S.C. 1681c-2, upon receiving appropriate documentation, consumer reporting agencies are mandated to block information resulting from human trafficking. To date, this requirement has not been fulfilled concerning the PNC Bank tradeline. 

IV. DEMAND FOR ACTION I hereby request that PNC Bank and the credit reporting agencies : Provide complete and original documentation verifying the reported delinquency, including payment records for XX/XX/XXXX. 
If such documentation can not be furnished, promptly remove the disputed delinquency and update the tradeline to reflect accurate and complete payment history. 
Block any information identified as resulting from human trafficking, in compliance with 1681c-2. \n V. ENFORCEMENT RESERVATION Should these violations remain unaddressed, I reserve the right to pursue : Complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC XXXX, and the Pennsylvania Attorney General. 
Civil litigation under : 15 U.S.C. 1681n and 1681o ( FCRA violations ).

73 P.S. 201-1 et seq. ( Pennsylvania Unfair Trade Practices and Consumer Protection Law ).

12 Pa. C.S.A. 6308 ( Pennsylvania Credit Services Act ). \n VI. AFFIRMATION Executed pursuant to 28 U.S.C. 1746. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation