Consumer complaint received 2021-11-23
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
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: Was not notified of investigation status or results

Complaint:
I was a part of several XXXX data breaches and my phone number and personal information was sold to third parties. Via the data reporting and furnishing service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on several accounts reporting to the bureaus. I also was given an anonymous tip from a military XXXX, that XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged thousands on my credit cards to bring harm to my independence this person likes control and is a dangerous XXXX 

Unfortunately, we are in a national security crisis and a lot of criminals are hurting people during this time. Several creditors randomly and without notification, closed accounts. I am a victim of identity theft. I asked to be opted out and to investigate fraud. I was unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctor 's appointments. I have been followed me and my childrens lives are still in danger. My internet services were hacked and I had to pay XXXXX to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect me and my children only to find out later XXXX XXXX XXXX  was selling my information without my knowledge to unknown third parties. 

The following accounts were impacted by the fraud. XXXX, XXXX, XXXX. These creditors all of a sudden lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed several reports with the USPS inspector general as my mail was stolen several times containing credit reports and bank statements. I filed reports with the IRS, FTC, XXXX Attorney General, and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct a full investigation. 

For example, XXXX XXXX  XXXX XXXX owns part of XXXX XXXX XXXX ) is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX closed the account ; with a date of last activity- XX/XX/XXXX ; and a charge-off date of XX/XX/XXXX. However, XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? It came to no surprise that XXXX XXXX XXXX was one of the biggest lenders to XXXX as XXXX XXXXXXXX XXXX has always conducted illegal and deceptive practices. Everyone knows, XXXX XXXXXXXX XXXX, stole hundreds of billions of dollars and is managed, controlled by organized criminals who violate the law every second of each day. XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and so many other large corporations participate in good ole boy, organized, unethical behavior. XXXX against women ( 18 U.S.C.A. 22652266 [ 2000 ] ), ( 18 U.S.C.A. 2261A [ 1996 ] ) - is a crime. It is unlawful to stalk a person anywhere in the United States to include using mail, E-Mail, or the Internet which is punishable from five years to life in prison. Violation of USC 18 Section 241, 242 has harsher penalties. 

My information was compromised in XX/XX/XXXX, XX/XX/XXXX. I was apart of two data breaches with XXXX which I never was compensated for damages. My information was stolen via USPS and my mail was stolen several times to include my XXXX information. I filed reports with the USPS inspector general. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my legal rights. 

XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with the XXXX. 
XXXX sold me a debt protection plan and I spent hundreds of dollars on the plan. After the fraud happened, XXXX closed the account, charged off the account under the debt protection plan, filed an insurance claim, took a tax write-off - then sold the account not honoring the debt protection service I paid for. Lastly, I sent a notice regarding my rights and the protection of my data. I asserted my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt-out '' of disclosing my personally identifiable information with non-affiliated third-party companies or individuals, opt-out disclosing my creditworthiness to any affiliate, opt-out disclosing any of my transaction and experience information to any affiliate, opt-out of disclosing any information about me in connection with marketing agreements and not to include my social security number on any correspondence. I was not opted out which was a violation of the Consumer Privacy Act as there was no authorization to Sell My Info to anyone. In addition, all the data errors have prevented me from obtaining loans, mortgages approval.

Company response to consumer: Closed with explanation