Consumer complaint received 2023-12-04
Company: MicroBilt / PRBC (formerly CL Verify)
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is against ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and the CEOs/Presidents and or Acting CEOs/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and acting CEOs/Presidents , et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , which means they are in direct violation of 15 USC 1692 G ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do I want to contract with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus, et al. We are not a consumer of ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and never was . We are not a customer nor patron ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al nor have we ever been . We do not want to enter in to any binding contracts, agreements, or consents with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We never consented nor gave express permission in any form to ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al offers to contract . We DO NOT consent to ANY non-affiliated third-party ( ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year 1986 - 1987 and 1988 to present day.

Due to the nature of these multiple illegal and unlawful violations against us, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.

ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has/is caused/causing financial hardships , health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to communicate with ANY and ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .

BE IT KNOWN NOW AND FOREVER, this is NOTICE TO ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al disseminated , stored , warehoused obtained , etc./PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al shall also know that in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY. 
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC Verify et al, | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MicroBilt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .

Company response to consumer: Closed with explanation