Consumer complaint received 2022-09-22
Company: FIRST ADVANTAGE CORPORATION
State: TX
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:
The State of Texas THE STATE OF XXXX XXXX OF XXXX BEFORE ME, the XXXX XXXX, on this day personally appeared XXXX XXXX, swore or affirmed to tell truth, and stated as follows : " My name is XXXX XXXX I am of sound mind and capable of making this sworn statement. I have personal knowledge of the facts written in this statement. I understand that if I lie in this statement, I XXXX be held criminally responsible. This statement is true I, XXXX XXXX, of XXXX, in XXXX XXXX, Texas, MAKE OATH AND SAY THAT : XXXX. First Advantage XXXX XXXX Department is willfully violating Federal laws by reporting inaccurate information supplied by XXXX a credit reporting agency which does not have my consent to furnish pursuant to XXXX U.S.C XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. 
XXXX. First Advantage XXXX Report Department willfully violated the law pursuant to 15 USC 1681 ( b ) ( 2 ) & 15 USC 1607 ( c ) ( ii ) ( II ) information garnished from a consumer reporting agency is not to be included. 
XXXX. First Advantage XXXX XXXX Department willfully violated the law pursuant to 15 USC 1681 consumer reports are a form of my reputation and by furnishing inaccurate eviction information that doesnt belong to me XXXX XXXX but instead a XXXX XXXX is damaging my reputation. 
XXXX. First Advantage consumer reports is willfully violating the law by reporting information to my report that I did not consent to or authorize and that is a violation of my right to privacy. Texas XXXX courts do not report evictions to credit reporting agency ; therefore, you access someone elses information and placed it on to my consumer report is unethical and against the law.

a. 15 USC 1681 ( a ) ( 4 ) Congressional Findings and statement of purpose. a. Accuracy and fairness of credit reporting ( 4 ) there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer right to privacy.

b. 15 USC 1681 ( b ) ( 2 ) Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX Resolution-Send a corrective report to the consumer and issue a letter stating the inaccuracy of the information supplied via report ID XXXX belonged to XXXX XXXX XXXX who is not related or the person whom the XXXX XXXX XXXX XXXX XXXX application was for. 
Re : Adverse Determination Letter -Unit App ID XXXX To whom it may concern : On XX/XX/2022 I XXXX XXXX XXXX hereinafter protected consumer ) received a adverse determination denial letter in the mail stating that XXXX XXXX ( hereinafter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX hereinafter Landlord ) that a rental application couldnt be approved. The reason stated Evictions Records Match : Reasons and sources for the recommendation can be obtained by writing to First Advantage XXXX XXXX XXXX at the address below. ( Please reference unit app ID # XXXX ) See exhibit A. 

This letter is direct violation to federal law. Denying me the protected consumer for my natural given right as a natural person in the United States of America. Pursuant to 18 U.S. Code 1028 ( a ) ( 7 ) denying me for a credit card based on information obtained from someone else is deceptive and violation of the above-mentioned laws.

In accordance with 15 U.S Code 1681 ( a ) ( k ) your letter is an adverse action per your writing adverse determinations only apply to insurance and employment. By stating We regret to inform you that your application was declined due to either insufficient or unacceptable information contained in your consumer report. The Federal Fair Credit Reporting Act ( FCRA ) requires that you must be notified when information in a consumer report leads to an unfavorable response to your rental application based on the gathered information. You have denied me the protected consumer my granted right to access the right to housing based on inaccuracies reported by the Credit Reporting Agency.

Pursuant to the Equal Credit Opportunity Act the simple resolution to this would be to remove the information belong to a party other than myself, refund me the application fees and damages based on the mental anguish and embarrassment suffered by your discrepancies. see exhibit B.

I have attached a copy of the violations of federal on the original copy of the letter. I look forward to the resolution of the removal of the inaccuracy and refunding of the application fees {$250.00}, plus XXXX suffered in damages. 

Sincerely, XXXX XXXX XXXX : Adverse Decision Letter Consumer Report Copy of Violations Invoice

Company response to consumer: Closed with explanation