Consumer complaint received 2023-08-29
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX XXXX XXXX  '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX XXXX  : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. 
* XXXX XXXX ( XXXX ) : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4500.00} or {$4500.00} ( discrepancy ). Repeated disputes have yielded no resolution, and I'm now considering legal action. 
* XXXX  XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXX Card : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
* XXXX  XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. 
* XXXX  XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. 
It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX XXXX is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.

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