Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Subject : FCRA Violations by PNC Bank and Credit Reporting Agencies ( XXXX XXXX XXXX ) Issue : Incorrect information on credit report ; investigation did not resolve dispute XXXX XXXX XXXX filed disputes through XXXX and I have filed both disputes and CFPB complaint on XX/XX/XXXX. The account errors remain. PNC and the bureaus do not show the account as disputed when these are. As I have been back and forth with this furnisher for over 2 years and the credit report has not been corrected injuring my credit artificially. 
Complaint Summary I am filing this complaint against PNC Bank and the national credit reporting agencies ( XXXX, XXXX, and XXXX  ) for their continued failure to correct or delete inaccurate and unverifiable information from my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

Since XX/XX/XXXX, I and my former legal representative, XXXX XXXX XXXX, have submitted multiple formal disputes regarding this account. Despite these efforts, the tradeline remains unchanged. In XX/XX/XXXX, I was advised by phone that XXXX XXXX XXXX had issued a deletion demand letter in XX/XX/XXXX to PNC Bank and the credit bureaus. As of today, the account is still being reported with multiple unresolved FCRA violations. 

Account Details - XXXX XXXX  : PNC Bank Balance : {$3200.00} Credit Limit : {$2500.00} Account Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-Off Utilization : 129 % Reporting Pattern : Monthly Charge-Off notations through XX/XX/XXXX Violations Identified FCRA 623 ( a ) ( 5 ) : PNC Bank appears to have re-aged the account by continuing to report monthly charge-offs long after closure, distorting the Date of First Delinquency and unlawfully extending the reporting period.

FCRA 1681e ( b ) : The tradeline reflects a static balance and over-limit utilization for nearly two years post-closure, which is materially misleading and inaccurate.

FCRA 1681s-2 ( b ) : Despite being notified of my disputes by the credit bureaus, PNC failed to conduct a reasonable reinvestigation or correct the tradeline.

FCRA 1681i ( a ) ( 5 ) : The credit bureaus failed to delete or modify the tradeline after receiving no verification from the furnisher, even after a formal deletion demand.

FCRA 623 ( a ) ( 3 ) : The tradeline is not marked as disputed despite my ongoing written disputes and regulatory complaints.

FCRA 1681i ( c ) : No reinvestigation results have been provided to me, despite multiple disputes and a deletion demand letter issued by my legal representative.

Legal Precedent & Regulatory Enforcement Drew v. Equifax, 690 F.3d 1100 ( 9th Cir. 2012 ) : Credit bureau held liable for failing to correct inaccurate data after dispute.

Miller v. Equifax ( 2023 ) : $ 18.6M judgment for failure to resolve tradeline errors after repeated disputes.

CFPB & FTC Amicus Brief ( 2023 ) in Suluki v. Credit One Bank : Clarified that furnishers must instruct credit bureaus to delete information that can not be verifiedthey may not continue reporting unverifiable data.

FCRA 1681n & 1681o : Provide for civil liability when a credit bureau or furnisher willfully or negligently fails to comply with FCRA obligations, including statutory damages, actual damages, and attorneys fees.

Harm Suffered My credit score has been artificially suppressed for over 12 months I have been denied access to credit, housing, and financial services. I had to turn in my lease and was injured on the monthly payment due to this re-aging. 

I have had to defend myself in legal proceedings triggered by unvalidated debts I have experienced XXXX XXXX and reputational harm

Company response to consumer: Closed with explanation