Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13274726
PNC Bank Credit Report Error: Information Misattributed
Complaint Overview
Complaint ID: 13274726
Company: PNC Bank N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Washington
ZIP Code: 99350
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue appears to be a data entry or attribution error rather than a systemic problem with PNC Bank's credit reporting practices.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 13274726 was filed against PNC Bank N.A. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report from PNC Bank, stating the information belonged to someone else, and the complaint was closed with an explanation. The complaint was received on April 30, 2025 from Washington. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau and the financial institution.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This case highlights the importance of accurate data furnishing by financial institutions to prevent consumer harm and potential FCRA violations.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The consumer is located in Washington state, which has its own consumer protection laws that may offer additional recourse.
Industry Comparison
Credit reporting errors are common across the financial industry, with various institutions facing similar disputes over inaccurate data.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13274726 about?
CFPB complaint 13274726 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against PNC Bank N.A. on April 30, 2025.
Which company is complaint 13274726 filed against?
Complaint 13274726 was filed against PNC Bank N.A.. You can view all complaints against this company on their profile page at /company/pnc-bank-n-a.
What was the company's response to complaint 13274726?
PNC Bank N.A. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13274726 filed?
Complaint 13274726 was received by the CFPB on April 30, 2025. It was sent to PNC Bank N.A. on May 1, 2025.
What state was complaint 13274726 filed from?
Complaint 13274726 was filed from Washington. You can view all complaints from this state at /state/WA.
Was the consumer satisfied with the resolution of complaint 13274726?
Dispute information is not available for complaint 13274726.
What product category is complaint 13274726 about?
Complaint 13274726 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13274726 submitted?
Complaint 13274726 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13274726?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against PNC Bank N.A. involving "Incorrect information on your report".
How likely is complaint 13274726 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13274726?
This complaint is rated as low risk. The risk is low as the issue appears to be a data entry or attribution error rather than a systemic problem with PNC Bank's credit reporting practices.
What regulatory actions apply to complaint 13274726?
This case highlights the importance of accurate data furnishing by financial institutions to prevent consumer harm and potential FCRA violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13274726?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit bureau and the financial institution.
Are there state-specific protections for complaint 13274726?
The consumer is located in Washington state, which has its own consumer protection laws that may offer additional recourse. This complaint was filed from Washington.
How does complaint 13274726 compare to industry norms?
Credit reporting errors are common across the financial industry, with various institutions facing similar disputes over inaccurate data.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and the financial institution that furnished the data, providing evidence to support their claim.
What is the typical resolution process for a credit reporting dispute involving misattributed information?
The credit reporting agency and the furnisher will investigate the dispute, which may involve reviewing account details and verifying the consumer's identity to correct or remove the erroneous information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.