Consumer complaint received 2023-07-10
Company: MicroBilt / PRBC (formerly CL Verify)
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I am writing this letter to formally lodge a complaint regarding the credit report I received from MicroBilt Consumer Services. Upon reviewing the report, I discovered a severe violation of the Fair Credit Reporting Act ( FCRA ) that has caused significant concern and distress. 

On [ Date of Receipt of Credit Report ], I received a credit report addressed to me, XXXX XXXX. However, to my utmost surprise, the credit report included an attached file that did not belong to me. The attached report pertained to another individual, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Furthermore, the credit report included the last four digits of XXXX XXXX 's Social Security Number, which are XXXX. 

This blatant mix-up raises serious concerns about the accuracy and integrity of the credit reporting process carried out by MicroBilt Consumer Services . Not only is this a clear violation of my privacy rights, but it also signifies a breach of the FCRA regulations. As a consumer, I have the right to expect accurate and confidential handling of my personal information. 

According to Section 1681 ( c ) ( b ) ( 1 ) of the FCRA, credit reporting agencies are required to provide fair and accurate credit reports to consumers. This means guaranteeing the accuracy of the information being reported and preventing the inclusion of inaccurate or irrelevant data in the credit reports. Additionally, Section 1681 ( e ) ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning individuals. 

MicroBilt 's failure to exercise due diligence in maintaining the accuracy and privacy of consumer credit reports, as evidenced by the attached report and personal information of another individual, directly violates the FCRA guidelines. This incident has caused me significant distress and anxiety, as my personal information has been exposed to an unrelated party without my consent. 

I request that you take immediate action to rectify this situation and provide a detailed explanation of the cause of this error. Furthermore, I insist that you take the necessary steps to ensure the removal of XXXX XXXX 's credit report and any associated information from my credit file. 

Please note that I am well within my rights to pursue legal actions if this matter is not resolved promptly and effectively in accordance with the FCRA regulations. I trust that you will handle this complaint with the seriousness it deserves and take all measures necessary to rectify this violation and prevent such incidents from occurring in the future. 

I kindly request a written response within 30 days of the receipt of this letter, confirming the actions taken to address this issue, along with any corrections made to my credit report. Please send all correspondences to the address mentioned above. 

Thank you for your attention to this urgent matter. I anticipate your immediate action and a resolution to this violation of my rights and privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation