Consumer complaint received 2022-05-14
Company: Advanced Resolution Services Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Advanced Resolutions Services state that have verified a bankruptcy that is showing on my report. ARS is reporting a bankruptcy from a third party vender that has not verified the said account. ARS is in violation of multiple FCRA consumer laws. ARS states that they sent over a request to XXXX who states that a bankruptcy was verified through public records ( XXXX  ) This obtained information from a website and has not VERIFIED it's accuracy with any US Bankruptcy Court . This is also a violation. I have contacted the US Bankruptcy court and they have no record of ARS  or XXXX contacting them to verify any records. XXXX uses and automated system to search for and report court information to ARS and other credit bureaus without any verification. XXXX also states that they are " not a credit reporting agency and do not report to credit bureaus or third party vendors. ARS states that during their investigation they received information from XXXX. Using automated dispute codes through XXXX XXXX or any other automated system does not meet the requirement 's set fourth by the FCRA for verification and accuracy. ARS has not sent me the details of the investigation, method used, documents from any court verifying any information. Also PER the XXXX website, it does not guarantee that any information obtained from its website is either true or accurate. The Courts clearly state that they do not verify any bankruptcies or report to credit bureaus or third party vendors. How was this verified through the US Bankruptcy court for reporting? Who was the original data furnisher 's and were they contacted? to verify what is being reported up to date and verified. ARS is reporting a unauthorized public record that was not verified. ARS states that a electronic was disclosure to release or obtain such information. This does not meet XXXX XXXX compliance as I have not signed such documentation or received documents stating such. The following FCRA consumer laws have been violated ; US Code 15-168111 ( 5 ), US Code 623 ( a ) ( 7 ) 15usc1681s-2, US Code privacy act of 1974 amended, 5 USC 552a no written permission, US Code 42.56.070 ( 8 ), US Code 31 USC 3711 ( e ), US Code 15- 1681 ( d ) FCR-605B 15 1681c-2, FCRA 611 ( a ), RCW 42.56.080 and Trade secrets infringement. ARS has been requested to provide factual evidence and data on the
investigation they claim to have done. Obtaining public personal information without verifying it and voluntary reporting is illegal. There has been no permissible use to obtain and report such information. ARS was asked what method of their investigation was used. They stated that personal identifier 's were sent over to verify. If this is true, who received this information? what was their name, date, and title,? contact information on who conducted the investigation, how was their investigation done and the results that were sent to ARS. What personal information was sent or received to retrieve personal information from a public website. How was my information protected? was there any automated dispute codes used, sent or received to or from ARS  and XXXX. Who from the US Bankruptcy Court clerk or trustee was contacted? What is their name? contact information? documents sent or received from them. Was ALL the information obtained verified and accurate? did the ORINGINAL data furnisher accept being liable for inaccuracies and can confirm that XXXX  or XXXX has verified any and all data being reported with them and that any accounts that may be listed are accurate?

Company response to consumer: Closed with explanation