Consumer complaint received 2023-04-12
Company: Advanced Resolution Services Inc.
State: CA
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:
Advanced Resolution Services sent me a copy of my consumer disclosure report. They listed XXXX # XXXX and File XXXX  : XXXX on the form. 

Advanced Resolution Services is a subsidiary of XXXX. Theyre assisting XXXX XXXX XXXX XXXX XXXX This is a conflict of interest to the public. The tenth amendment of the U.S. Constitution-disclosure of personal information in record keeping systems is at issue. They are not following the ruling in the U.S. Court of Appeals for the Ninth Circuit Nayab v. Capital One Bank. 

Advanced Resolution Services is making a priori assumption in their own consumer report. They have a statement on page one that reads : They identify institutions that received information from the Issuers XXXX XXXX XXXX regarding my social security number based on the number of credit cards Ive applied for and also based on the number of credit card applications associated w/ my social security number. They say that is why the XXXX alert is issued. It's not correct for ARS to assume a person is risky or issue an alert based on the number of credit cards Ive applied for and also based on the number of credit card applications associated w/ my social security number. It's a violation of the FCRA and the CCPA to collect data and send it to XXXX simply because a person fills out credit card applications or has several credit cards that have been applied for. They should only issue the alert if the person has bankruptcies, previously fraudulently proven behavior or negative records. 

Advanced Resolution Services is violation these sections below.

U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

A financial institution may not disclose non public personal information to a non affiliated 3rd party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I never gave ARS the written instructions or permission. It is not a permissible purpose for them to share my information. ARS and XXXX  are basically the same company.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

These all listed below are violations of 15 U.S.C. 1681a. & 603 Definitions ; rules of construction are being violated. ARS is also in violation of 623 Responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681s-2. 

I dispute and demand ARS delete the following : Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The date is inaccurate XXXX. I demand ARS delete this item due to inaccurate reporting and violating the FCRA. 

Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The date is inaccurate XXXX. I demand ARS delete this item due to inaccurate reporting and violating the FCRA. 

Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The date is inaccurate : XXXX and ARS have my date of birth listed inaccurrate as XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. 

Reference # from my consumer report:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. The date is inaccurate : XXXX. I demand ARS delete this due to inaccurate reporting which is a violation of the FCRA. 

Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The date is inaccurate : XXXX. I demand ARS delete this due to inaccurate reporting which is a violation of the FCRA. 

Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The date is inaccurate : XXXX and ARS has my date of birth listed inaccurrately as XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. 

Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date is inaccurate : XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. 

Reference # from my consumer reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate. I demand you delete this due to inaccurate reporting which is a violation of the FCRA.

Company response to consumer: Closed with explanation