Consumer complaint received 2023-03-09
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to the company on XX/XX/XXXX. They never responded. I also filed a complaint with the XXXX XXXX XXXX. on XX/XX/XXXX in which the business responded saying the debt was validated and will send me proof of debt validation. on XX/XX/XXXX I received a letter from the company and a statement. They did not provide anything with my address or signature. They also stated that hey have not reported on my credit since XX/XX/XXXX this are currently reporting on my credit report till this day. 

This is about the consumer report received via email dated XX/XX/XXXX. While going through the same, I came to know about a few inaccuracies and even some fraudulent information that was reporting in it. 
According to 15 USC 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act states " an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. '' Your company Credit Control Corporation falsely reported information that resulted in defamation of my character. 

Furthermore, your company created deceptive forms that made creditors and employers believe that these were valid debts and that I owe these alleged debts and could not pay, though you could not prove its validity. 
As a result, I was discriminated against and denied my right to extend credit. I suffered emotionally as well as from financial hardship. 
Your company is liable according to the Fair Credit Reporting Act 15 USC 1681o.

I communicated with your company to dispute this information reported on my credit report. After your investigation, your company stated your results were verified as accurate however you have a duty to investigate anything immediately that is reported to you to determine if the reported information is inaccurate. No such investigation was conducted by your company ever. 
Your company never communicated with me to verify and validate if the information being reported to you that you furnished on my consumer report was accurate. And because you did not do this it is impossible that your reinvestigation could provide your findings " reported as accurate ''. Furthermore, you violated my rights to consent and privacy when you conducted that investigation and this information was " reported '' to you in the first place and you did not contact me to determine if this reported information was accurate, your company Credit Control Corporation did not communicate with me to know if I consented to any of these transactions or this report.

This is a violation of 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and RESPECT for a consumers RIGHT to PRIVACY. '' As a Consumer Reporting agency and financial institution as per 15 USC 6827 ( 4 ) ( A ) of the Gramm-Leach-Bliley Act which states " In general the term financial institution any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust or other financial accounts or relationship with the institution. '' You are in violation of 15 USC 94 ( a ) ( 1 ) Your company Credit Control Corporation made false and fictitious statements to obtain my vital information without my consent and privacy, and also provided my information to third parties for " Pre-qualification offers '' and " Soft inquiries ''.

Your company is in violation of 15 USC 94 ( a ) ( 2 ) no consumer credit transaction that includes my vital nonpublic information shall not be reported on my consumer report. Your company has not only infringed on my right to consent and privacy but also violated multiple federal laws. If you accept my request, I will not escalate this matter to a federal complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation