Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Subject : PNC Bank XXXX XXXX XXXX XXXX Furnishing Unverified, Incomplete, and Potentially Defamatory Information Dispute Case ID XXXX I am submitting this complaint because PNC Bank XXXX XXXX XXXX XXXX ( XXXX  ) are furnishing inaccurate, incomplete, and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

On XX/XX/year>, I filed a dispute with XXXX XXXX  ( Case ID XXXX ) regarding a negative item reported by PNC under Reference # XXXX, labeled Closed for Cause and associated with alleged fraud. 

This designation is false, unsupported, and misleading. 

The underlying incident involved a check that was sent to me and later returned as bad, which I deposited fully believing it was legitimate. There was no intentional fraud, no malicious activity, and no criminal intent. PNC has XXXX evidence to support a fraud classification. Assigning a fraud label without proof is reckless and harmful. 

PNC told me I needed to repay {$200.00}, and I complied immediately. I provided XXXX XXXX with evidence of repayment, including documentation showing a {$200.00} direct debit to PNC on XX/XX/XXXX at XXXX XXXX, labeled PNC MAKE A PMT, LOAN PYMT. 

This payment is not reflected anywhere in the information PNC furnished. 
This makes the reporting incomplete and therefore legally inaccurate under FCRA standards. 

Despite receiving evidence, XXXX XXXX reinvestigation produced : No documentation from PNC No proof of fraud No investigation notes No verification of the repayment No evidence that a reasonable XXXX investigation ever occurred XXXX XXXX simply stated the information was accurate, which is impossible without PNC providing proof. This strongly suggests the reinvestigation was superficial and noncompliant, potentially violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ).

This situation is causing ongoing harm, including being denied the ability to open new bank accounts. 

I request that the CFPB require PNC and XXXX XXXX to : 1. Provide all records, documents, and internal notes PNC used to classify the account as Fraud/Closed for Cause. 
2. Produce any evidence of intentional fraud, which does not exist, because I was the victim of a bad check not a perpetrator.

3. Explain and correct why the {$200.00} repayment made on XX/XX/XXXX is not reflected in the furnished data. 
4. Provide the ACH/trace number from PNCs internal records, since my banking app does not display it.

5. Immediately delete or correct the inaccurate information under their obligations to report complete and verified information.

6. Demonstrate compliance with all relevant FCRA duties, since both entities appear to have failed to meet the statutory requirements. 

PNC and XXXX XXXX have furnished unverified, incomplete, and damaging information and ignored clear evidence during reinvestigation. This is unacceptable and requires CFPB intervention. 

I request a full investigation and enforcement action if warranted.

Company response to consumer: Closed with explanation