Consumer complaint received 2025-01-20 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: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX, PNC Bank, and XXXX XXXX  for their mishandling of my personal and business information, including illegal reporting, failure to validate debts, unauthorized communication, and improper collection practices. Despite disputes, these entities have continued collection and communication efforts without providing the legally required documentation. 

1. Failure to Validate Debts The named banks failed to validate debts they are attempting to collect or report. Despite my requests, they have not provided proper documentation, including : Wet-ink signatures proving authorization ( e-signatures are invalid ).

IP address logs showing where applications were submitted.

Forward flow agreements or proof of ownership for charged-off debts.

Chain of title for debts sold or transferred to third parties.

Violations : FDCPA, 15 U.S.C. 1692g ( b ) : Requires debt collectors to cease collection until validation is provided.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligation to verify disputed debts before reporting. 
2. Illegal Reporting to Credit Reporting Agencies These banks reported unvalidated and fraudulent debts to XXXX, XXXX, and XXXX despite disputes and clear evidence of identity theft. This illegal reporting continues to harm my credit profile. 

Violations : FCRA, 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in credit reporting.

15 U.S.C. 1681c-2 : Duty to block fraudulent information after notice of identity theft. 
3. Unauthorized Communication The banks continued to contact me directly and report to CRAs without permission, despite disputes and cease-and-desist requests. These actions constitute harassment and unauthorized use of my information.

Violations : FDCPA, 15 U.S.C. 1692c ( a ) : Prohibits unauthorized communication with consumers.

TCPA, 47 U.S.C. 227 : Restricts unauthorized phone calls or messages.

4. Improper Investigation Practices Despite my disputes, these banks failed to conduct reasonable investigations, ignoring my requests for validation and refusing to provide transparency into their investigation tactics. 

Violations : FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) : Duty to reinvestigate disputed information.

CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibits deceptive or unfair practices.

5. Data Breach and Mishandling Concerns The fraudulent activity associated with these accounts may be tied to data breaches involving XXXX, XXXX, XXXX XXXXt, and XXXX XXXX XXXX, raising concerns about how these banks handle consumer information. 

Violations : CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Obligation to safeguard consumer data.

FCRA, 15 U.S.C. 1681e ( a ) : Requirement to prevent unauthorized access to credit information.

6. Failure to Comply with Moore v. Alliant Credit Union The banks have not demonstrated that debts are not connected to fiat currency or speculative value, as highlighted in Moore v. Alliant Credit Union. Without this validation, these debts can not be enforced. 

Violations : FCRA and related equity principles requiring full disclosure of debt origin and legitimacy.

Company response to consumer: Closed with explanation