Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX RE : PNC Bank dispute and investigation result findings Response to INVESTIGATION RESULTS, XX/XX/XXXX Subject : Failure to adhere to FCRA requirements for Accuracy in Reporting Failure of the bureaus to conduct a reasonable investigation Failure to adhere to the protocol of a reinvestigation of a legitimate dispute Failure to perform their required due diligence to review the response from the responding creditor. 
This communication is responding to the Investigation and reinvestigation Results notification I received on XX/XX/XXXX from XXXX and XXXX. Their notifications again Verified the Accuracy of the information provided by PNC Bank. I also reviewed the online update of XXXX on XXXX, XXXX and found that the information was indeed changed! 
As I reviewed the results, it became clear that having the documents from each bureau there were obvious differences. My previous disputes with each bureau contained copies of reports that highlighted the disparities. Had any of the bureaus executed a carefully measured examination, the bogus responses from PNC Bank would have been questioned. 
Earlier in the month, I received correspondence from PNC Bank dated XX/XX/XXXX regarding a request to change the information they provide to the bureaus. They also address their responsibility to submit accurate and complete information. Once again, I submit to you the fallacies of their statements based upon documents submitted to each of the above bureaus. 
Each of your bureaus and the reporting creditor are required by law 15 UCS 1681i to conduct reasonable investigations in order to ensure maximum accuracy in your reporting. Over the past months, I have presented errors that your bureaus have failed to review the information that was sent to you as verified, but were significantly altered and contained conflicting information. 

The FCRA does provide a remedy via litigation for Credit Reporting agencies that fail to provide accuracy on their reporting platforms. The specific issues of inaccuracy and violations are : a. Accounts reported as charged off that continue to report as open b. Accounts that are charged off but continue to report as past due balance c. Accounts that can be documented as re-aged d. Accounts that documents the original account closing of XX/XX/XXXX and 5 years later alters the closing dates of XX/XX/XXXX and for XXXX XX/XX/XXXX. Each account now reports a different status or delete the mention of a closed account e. Accounts that can be documented inaccurate reflect different original amounts '' f. Failure to account for the XX/XX/XXXX payment in the Payment History. The failure to account for the XX/XX/XXXX now questions the accuracy of the {$5700.00} balance claim of PNC Bank as how no accounting has been provided. 
g. PNC Bank placed the closed account into collection XX/XX/XXXX h. The failure of PNC Bank to provide the previously requested, and required Form 1099-c now questions the legitimate claim of PNC Bank to write off, profit and loss as per standard operating procedures for acceptable accounting procedures and the business community.

Company response to consumer: Closed with explanation