Consumer complaint received 2018-11-20
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Consumer Financial Protection Bureau XXXX. XXXX   XXXX XXXX, IA XXXX RE : Advanced Resolution Services / XXXX XXXX Complaint # 3 To Whom It May Concern : Attached you will find : - Original dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - Response from ARS, received on XX/XX/XXXX ; - Second dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - 2nd response from ARS,  received on XX/XX/XXXX ; - Credit Report pulled on XX/XX/XXXX not showing disputed by consumer on credit report ; - Consumer report pulled and received on XX/XX/XXXX not showing disputed on my consumer report ; ARS has continually ignored my request for their method of verification and only cites XXXX as their source of the information. ARS goes so far as to admit in their response that they have reasonable grounds to believe that their information is verifiable even though Bankruptcy Rule 9037 prevents the public from viewing the B21-Statement of social Security. They merely assume that because identifying information matches, that is enough to verify a public record. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) the court stated : XXXX XXXX argues that it did not violate a duty to reinvestigate because it had no duty, as a matter of law, to go beyond the Judgement Docket in conducting its reinvestigation. We disagree. A credit reporting agency that has been notified of potentially inaccurate information in a consumers credit report is in a very different position than one who has no such notice. As we indicated earlier, a credit reporting agency may initially rely on public court documents, because to require otherwise would be burdensome and inefficient. However, such exclusive reliance may not be justified once the credit reporting agency receives notice that the consumer disputes information contained in his credit report. When a credit reporting agency receives such notice, it can target its resources in a more efficient manner and conduct a more thorough investigation.

The credit reporting agencys duty will also depend on the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer. 

Additionally, Please be advised that the use of XXXX  is an unreliable source as their own disclaimer states, The provider does not represent or warrant that this site or its content will be error-free Provider disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind in any way related to ( A ) any errors in or omissions from this web site and the content Futhermore, the fact that ARS cites pending case law, that has not been fully adjudicated ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), is a clear attempt to mislead me into thinking this case holds some precedent. Upon speaking to the Deputy Clerk for Judge XXXX and asking the status of this pending case, I was told it is not even close to being completed as they are still determining the scope of class and a Motion to Dismiss has been filed. 

Im sure you are aware that Lawyers alleged dishonesty in their practices exposes them to potential liability to third parties as well. For example, if a lawyer knowingly and substantially assists or encourages a clients wrongdoing ( ARS ), those who are harmed by the clients misconduct may sue the lawyer in court for allegedly aiding and abetting the clients misdeeds.

I am well aware that ARS has broken several consumer protection laws both on the federal and state level. They have damaged my credit, preventing me from obtaining credit, loans, financing, etc. because they continue to verify and report a bankruptcy on my credit file that they have not, can not, and will not, provide me with their method of verification showing there is not one iota of a chance that they are reporting this information in error.

Assuming information matches is NOT protecting a consumer from the possible harm inaccurately reported information may cause the consumer.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious erroring your reporting. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. I appreciate your time in helping to resolve this highly damaging, unverifiable entry on my consumer report with ARS. I look forward to hearing from you soon. 





XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX CC President of the United States Donald Trump The White House XXXX XXXX XXXX XXXX , Washington , DC XXXX Ohio Attorney General XXXX XXXX C/O XXXX XXXX, Consumer Complaint Specialist XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  , Ohio XXXX Office of the Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX , Washington , DC XXXX XXXX XXXX , Advanced Resolution Services , INC. ( ARS ) Ms. XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX, XXXX XXXX XXXX  , Ohio XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , Ohio XXXX

Company response to consumer: Closed with explanation