Consumer complaint received 2022-06-25
Company: Advanced Resolution Services Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 - I sent a letter requesting validation of a Bankruptcy Account that XXXX had listed on my XXXX. 

On XXXX I received notice that XXXX validated my debt through a third party consumer reporting agency XXXX who provided them with a copy of a XXXX report pulled from the internet. 

On XX/XX/21 - XXXX sent a letter to XXXX that the XXXX report provided by XXXX did not constitute proper debt validation for this account for the following reasons. 

XXXXXXXX XXXX is an online database. Accounts posted by XXXX have not been verified for accuracy nor does XXXX validate any accounts it publishes for Credit or Consumer Reporting Agencies or Bureaus. 

XXXX. XXXX is not a party associated with this debt and has no authority to validate it. The only legal validation of the debt would have to be provided by The United States Bankruptcy Court - Central District of California ( the original furnisher of this account ). 

Email correspondence from XXXX regarding the matter as well as a published statement from the XXXX courts. I disputed their investigation findings requesting proof of validation from the original furnisher of the account. 

On XX/XX/21 - I received correspondence back from XXXX that they were re-investigating my dispute and included a copy of my report reflecting the Bankruptcy still in their records. 

On XX/XX/21 - I received a final notice from XXXX that they were not going to investigate the matter further and considered it closed. 

XXXX failed to provide proper debt validation from the original furnisher of this Bankruptcy account. Knowing this and continuing to keep it on my report is a direct and willful violation of my FCRA rightsXXXX XXXX has violated my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) ) by collecting, assembling and furnishing for a fee to third parties information about my character, reputation, and mode of living which is inaccurate and a violation of my right to privacy pursuant to federal law. 

XXXX has infringed upon my consumer protection rights and has violated 15 U.S.C. 1681b ( a ) ( 2 ) by not getting written instructions from the consumer Plaintiff to collect, assemble and furnish for a fee to third parties information, which is inaccurate, about my character, reputation, and mode of living. 

XXXX shout be held civil liable for willful noncompliance and knowingly violating 15 U.S.C. 1681n. 

XXXX should be held civil liable for negligent noncompliance and knowingly violating 15 U.S.C. 1681o. 

XXXX should be held criminally liable for willful and knowing violations of 15 U.S.C. 1611 ( l ). 

If this account is not removed from my XXXX Consumer report I will file a lawsuit against t for the above violations to start with and a handful of others requesting that the disputed information from my credit file be deleted as well as compensatory, compensatory treble and punitive damages as well court costs and fees.

Company response to consumer: Closed with explanation