Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Subject : ** Complaint Inaccurate and Inconsistent Reporting on XXXX XXXX File Dear CFPB Representative, I am writing to formally lodge a second complaint regarding significant discrepancies in my credit reports. I have reviewed two separate images of my XXXX credit file, and I have identified several inconsistencies that I believe not only misrepresent my credit history but also potentially violate federal consumer protection laws. Attached is the prior dispute from XXXX that has not been addressed within the FCRA 's 30 day time frame to handle a dispute. 

**Discrepancies Identified : ** 1. **Conflicting Reporting Dates** - One image shows a status update date ( e.g., XX/XX/XXXX ), while another documents a past due and balance update with a later reporting date ( e.g., XX/XX/XXXX ). This creates an inconsistent timeline that inaccurately reflects the status and management of my account. 

2. **Inconsistent Charge-Off and Delinquency Status** - The report displays a marked charge-off ; however, it also presents a series of delinquency milestones ( 30-day, 60-day, 90-day increments ) that do not correspond with the charge-off entry. This discrepancy suggests either retroactive, re-aging attempts or misaligned reporting of the accounts status.

3. **Gaps in Data Reporting** - One image indicates missing data ( e.g., an ND marking for XX/XX/XXXX ), whereas the alternative report displays continuous updates. This omission casts doubt on the completeness and reliability of the reported information. 

4. **Inaccurate Timeline of Account Status Changes** - The progression of the account history appears to shift abruptly without adequate documentation or explanation, misrepresenting the actual events and timeline of the account 's status.

**Potential Legal Violations : ** - **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : ** The credit bureaus are required to conduct a fair and thorough reinvestigation of any disputed information. The inconsistencies in reporting dates and timelines may have undermined this obligation.

- **FCRA 15 U.S.C. 1681s-2 ( a ) and ( b ) : ** Furnishers are legally obligated to supply accurate, complete, and non-misleading information to credit reporting agencies. The discrepancies noted, including conflicting dates and an inconsistent portrayal of the accounts status, appear to breach this duty. 

- **FCRA 15 U.S.C. 1681c : ** Proper reporting periods must be correctly applied to negative information such as charge-offs. Errors in these timelines might result in the wrongful extension or misrepresentation of such information on my credit file.

- **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : ** If a debt collector was involved in the sorting or reporting of this information, the presentation of inaccurate or misleading information may also constitute a violation under the FDCPAs prohibitions against deceptive debt collection practices. 

Given that these errors materially affect my creditworthiness, I am requesting that the CFPB investigate these discrepancies and take appropriate action to ensure that accurate reporting standards are enforced. Enclosed with this letter are copies of the credit report images detailing the discrepancies. 

Thank you for your prompt attention to this matter. I would appreciate any guidance or steps you recommend to resolve these inaccuracies. Please feel free to contact me for any further documentation or clarification.

Company response to consumer: Closed with explanation