Consumer complaint received 2021-08-13
Company: Advanced Resolution Services Inc.
State: NY
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:
Upon reviewing the report Advanced Resolution Services , Inc ( ARS ) hold under my social security & name. I saw that there was some incorrect negative information being reported on said report/ file. The items reported by US BANKRUPTCY COURTXXXX on XX/XX/XXXX, XX/XX/XXXX & again in XX/XX/XXXX. 

I then challenged the accuracy, compliance and reportability of these listings. 

I asked ARS in a dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX where I asked for them to please validate this information with US BANKRUPTCY COURT-XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number. 

They then replied to me stating that US BANKRUPTCY COURTXXXX via XXXX XXXX XXXX with XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 

I then wrote them a follow up dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX. The letter is stating that they should be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Plus additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

I have yet to hear back from ARS & it has been over 15 days of the completion of their re-investigation as well. 

In the follow up letter I also stated to them that they should be aware that I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 
Also I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against their company, seeking {$1000.00} per violation for : 1. ) Defamation 2.
) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation