Consumer complaint received 2022-08-13
Company: First Advantage LNS Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have submitted several online disputes through XXXX in question of the validity of a collection furnished by National Credit Audit that states that I owe a debt of XXXX to XXXX XXXX XXXX XXXX yet have received unfair resolve. The information that exists on my XXXX credit report is errored. The date Opened reflects XXXX, Status Update also reflects XXXX XXXX, however the history legend/payment summary which is shown in grid format and reflected by month indicates that the collection began in XX/XX/XXXX. In addition this collection agency is in violation of severeal regulations set forth by the Consumer Financial Protection Bureau. The violations are as follows : 1. Section 1006.34/ Notice for validation of Debt as it's one and only communication to me was sent by e- mail dated XXXX XXXX which is far after the date furnished by the collection agency reflected in my credit report. The agency also failed to include amt of debt., info about debt, itemization date, and a clear concise account stating to whom the debt is owed as required in debt collection communications. ( B ) Does not disclose the name of the collection agency that the collection specialist recorded in the email represents.THESE THINGS MADE THE E-MAIL COMMUNICATION QUESTIONABLE AS TO IT'S VALIDITY AND ALSO CREATED DOUBT THAT THIS AGENCY WAS PERMITTED TO COLLECT THE DEBT AT THAT TIME. ( DATE REPORT WAS ACTUALLY REPORTED TO CREDIT BUREAUS DIFFERS FROM THE TIMEFRAME OF THE INITIAL NOTIFICATION SENT BY E-MAIL THAT NOTIFIES THAT THE COLLECTION " WILL '' BE REPORTED TO CREDIT BUREAUS ) 2. Section 1006.6/Communications in connection with debt collection ( 4 ) i ( b ), and ( c ) 1-5, Dand E..No notice sent to clearly and conspicuously disclose transfer of debt to debt collector.

FCRA requires financial Institutions that report debt to notify customers of debts according within the time frame allowable under FCRA regulations. There was no recordable or proveable period of time that existed before the collections process began as it had already been reported and was furnished to the credit bureaus before initial contact with me as the consumer either by the creditor or by the alleged third party collection agency ( NCAC ) .These are violations that have caused my family hardship as it has been the direct cause of rejected rental applications which does allow me UNDER SECTION 392/392.001 SUBCHAPTER C TO PURSUE CLAIMS AGAINST THE BONDS PROVIDED BY EACH AGENCY TO COVER DAMAGES INCURRED ... ..FOR THESE REASONS BUT NOT LIMITED TO THOSE REFLECTED HEREIN IN ACCORDANCE WITH MY RIGHTS AND PROTECTIONS AS A CONSUMER UNDER CFPB AS WELL AS FCRA I AM REQUESTING THAT THIS DEBT BE VERIFIED AND VALIDATED, WITHIN THE TIME ALLOWABLE BY REGULATION, AND THAT ALL COLLECTION EFFORTS CEASE DURING THAT PERIOD. IN ADDITION I EXPECT REMOVAL IF NOT VERIFIED AND OR ANSWERED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief