Consumer complaint received 2022-11-22
Company: Business Revenue Systems, Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ) and under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days with verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Account Number :, Name, DOB, SSN must be deleted /IMMEDIATELY REMOVE : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 2. The agreement bearing my signature stating that I have agreed to assume the debt from original creditor 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees.Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation