Consumer complaint received 2023-06-09
Company: Contemporary Information Corp
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I am writing to file a formal complaint against Consumer Information Company ( CIC ) regarding an inaccurate eviction record associated with my name. The details of the case are as follows : Case Filing Date : XXXX Case Number : XXXX Plaintiff Details : Plaintiff 's Name : XXXX XXXX Plaintiff Attorney : XXXX XXXX XXXX : I am the sole owner of my property, which I have owned since XXXX. I have never been involved in any eviction proceedings or faced eviction at any point. 

Unfortunately, due to the distressing circumstances of being XXXX and subjected to a XXXX  XXXX incident, my personal information was compromised and unlawfully sold. 

As a result, I was enrolled in the XXXX XXXX XXXX program, a federal program designed to safeguard individuals in situations such as mine. Through the program, I was provided with documentation to obtain a new driver 's license, ID number, and other essential documents to protect me from further fraudulent activities. Additionally, the XXXX XXXX XXXX program, acting through power of attorney, successfully removed all fraudulent information from the credit bureaus. 

Complaint Details : Despite my efforts to rectify the situation and the removal of fraudulent information from the credit bureaus, an inaccurate eviction record remains associated with my name within CIC 's records. 

I firmly assert that this false eviction record is a direct consequence of the identity theft I endured and is in no way a reflection of my rental history or creditworthiness. The inclusion of this inaccurate information has caused significant harm to my personal and professional reputation, resulting in distress and potential financial repercussions. 

Legal Defenses and Applicable Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumer reporting agencies have a legal obligation to ensure the maximum possible accuracy of information included in consumer reports. CIC 's inclusion of a false eviction record violates the FCRA, as it misrepresents my creditworthiness and rental history. 

Georgia Fair Business Practices Act : This state law prohibits unfair and deceptive acts or practices in trade or commerce. The presence of a false eviction record on my background report constitutes deceptive practices that harm my reputation and personal standing. 

Demand for Resolution : I demand that CIC takes immediate action to permanently remove and block the false eviction record associated with my name from their records. Failure to comply within seven ( 7 ) days of receiving this complaint will leave me no choice but to pursue legal recourse. I am prepared to escalate this matter to a federal case and present all relevant documentation and evidence before a jury, showcasing my rightful ownership of the property and the absence of any eviction proceedings against me.

Company response to consumer: Closed with explanation