Consumer complaint received 2021-12-03
Company: Advanced Resolution Services Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021, Advanced Resolution Services, ( ARS ) received a dispute from me in reference to an alleged XXXX XXXX Bankruptcy that is erroneously placed on my report that is on file with them Tracking ID : XXXX. In response to my dispute of this ARS responded with the attached letter stating that the information had been " verified as accurate '' by XXXX XXXX XXXX ( XXXX ). In response to this, I then sent a letter to XXXX requesting their method of verification, which is my right under FCRA Section 611. I asked for specific information pertaining to how the investigation was completed and who they referenced from the specified courthouse to obtain my information and citing several violations to my Rights under FCRA ( letter attached ). Instead of, providing the information I requested, XXXX responded with the attached letter, putting the responsibility on me " the consumer '', to contact the data source directly to resolve the issue, which they referenced as the US Bankruptcy court. In the letter they sent me, they reference themselves as the " furnisher '' and under FCRA " the furnisher '' has an obligation to only provide verified information that they know to be 100 % accurate to CRAs. XXXX has failed to adequately perform their obligation here and it is their responsibility to verify and validate information before furnishing it to other parties, not mine. XXXX has grossly violated my rights not only under FCRA Section 611 by not providing their method of verification but have continued violate my rights under FCRA Section 623 in reference to their obligations as furnishers. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I am requesting immediate remedy in terms of how my rights are being violated now and previously based on the violations in previous paperwork attached to this complaint. I am further requesting that this complaint not be closed with explanation and that all parties respond here in reference to this complaint. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute, including but not limited to : Name of the courthouse ; Persons name you verified the bankruptcy with ; Address ; Telephone number ; and Documentation furnished by the court, via a court employee, which would be the original creditor, used to verify the dispute. 

Additionally, I want to reference here as I referenced in my letter to XXXX that also they have violated my FCRA rights : 15 USC 1681 ( a ) ( 4 ) you have violated my right to privacy by going about fishing for erroneous negative information to put onto my credit file and additionally furnishing a 3rd party with information revealing alleged assets ( please see attached paperwork that was furnished by you to XXXX XXXX XXXX 15 USC 1681 ( b ) ( 2 ) you do not have permissible purpose, nor do you have written instruction to furnish any potential information about me or provide any documents defaming my character to any credit reporting agency.

- 15 USC 1681e ( B ) you are required to follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. 

I addressed all this in my letter to XXXX as well as asked for their Method of Verification, but instead of addressing my concerns or providing me with what I asked for they sent a seemingly templated response ( see attached ).

Company response to consumer: Closed with explanation