Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. XXXX TO First Advantage , Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Credit Bureau XXXX Credit File No : XXXX Report : XXXX  BUREAU : XXXX Amount Due : XXXX XXXX XXXX, Account Held Jointly with ex-Spouse XXXX XXXX XXXX OPEN ACCOUNT Current Account with XXXX XXXX never late OPENEDXX/XX/XXXX MOST OWED : {$1200.00} XXXX  XXXX XXXX Account opened inXX/XX/XXXX CLOSEDXX/XX/XXXX PAST DUE $ XXXX-STATUS AS OF XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX  OPEN ACCOUNT- XXXX XXXX Account current account never late ACCT INFO DSP BY XXXX XXXX XXXX/ATTORNEY VERIF 'DXX/XX/XXXX BALANCE : {$1000.00} INDIVIDUAL ACCOUNT- balance in dispute OPENED XX/XX/XXXXMOST OWED : {$1000.00} XXXX XXXX XXXX XXXX TX- Dispute Joint account with ex-spouse CLOSEDXX/XX/XXXX PAST DUE $ XXXX-STATUS AS OFXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPEN ACCOUNT-PLACED FOR COLLECTION AGENCY/ATTORNEY VERIF 'DXX/XX/XXXX BALANCE : {$30.00} INDIVIDUAL ACCOUNT- Account Billed to XXXX XXXX -XXXX Member ID XXXX OPENED XX/XX/XXXX MOST OWED : {$80.00} MEDICALPAST DUE {$30.00} STATUS AS OF XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN ACCOUNT ACCT INFO DSP BY XXXX  DEBT BUYER VERIF 'D XX/XX/XXXX BALANCE : {$5600.00} -Terms incorrect -Listed XXXX XXXX XXXX returned and sold INDIVIDUAL ACCOUNT OPENED XX/XX/XXXXMOST OWED : {$5600.00} XXXX XXXX XXXX XXXX PAST DUE {$0.00} STATUS AS OF XX/XX/XXXX COLLECTION XXXX XXXX XXXX OPEN ACCOUNT PLACED FOR COLLECTION AGENCY/ATTORNEY VERIF 'D XX/XX/XXXX BALANCE : {$940.00} INDIVIDUAL ACCOUNT OPENED XX/XX/XXXX MOST OWED : {$940.00} XXXX XXXX XXXX PAST DUE {$940.00} STATUS AS OFXX/XX/XXXX COLLECTION XXXX Equipment- ReturnedXX/XX/XXXX- DSP balance XXXX OPEN ACCOUNT PLACED FOR COLLECTION DEBT BUYER VERIF 'D XX/XX/XXXX BALANCE : {$750.00} INDIVIDUAL ACCOUNT OPENED XX/XX/XXXX MOST OWED : {$750.00} XXXX XXXX XXXX PAST DUE {$0.00} STATUS AS OFXX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX OPEN ACCOUNT PLACED FOR COLLECTION DEBT BUYER VERIF 'DXX/XX/XXXX BALANCE : {$1900.00} INDIVIDUAL ACCOUNT OPENEDXX/XX/XXXXMOST OWED : {$1900.00} XXXX XXXX XXXX PAST DUE {$0.00} STATUS AS OF XX/XX/XXXX COLLECTION XXXX XXXX XXXX OPEN ACCOUNT ACCT INFO DSP BY XXXX XXXX XXXX/ATTORNEY VERIF 'D XX/XX/XXXX BALANCE : {$190.00} INDIVIDUAL ACCOUNT OPENED XX/XX/XXXX MOST OWED : {$190.00} XXXX XXXX XXXX PAST DUE {$190.00} STATUS AS OF XX/XX/XXXX COLLECTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THE FOLLOWING ACCOUNT INFORMATION IS PRINTED IN ORDER BY MORE NEGATIVE MANNER OF PAYMENT ( MOP ) AND DATE MOST RECENTLY UPDATED. XXXX XXXX XXXX XXXX INSTALLMENT ACCOUNT UNPAID BLNC CHRGD OFF AUTOMOBILE VERIF 'DXX/XX/XXXXBALANCE : {$21000.00} INDIVIDUAL ACCOUNT OPENED XX/XX/XXXX MOST OWED : {$16000.00} PAY TERMS : 48 MONTHLY {$550.00} CLOSED XX/XX/XXXXPAST DUE : {$12000.00} STATUS AS OFXX/XX/XXXXCHARGE-OFF XXXX XXXX XXXX XXXX LINE OF CREDIT ACCOUNT TRANSFERD TO RECOVERY LINE OF CREDIT VERIF 'DXX/XX/XXXX BALANCE : {$0.00} INDIVIDUAL ACCOUNT OPENEDXX/XX/XXXX MOST OWED : {$1000.00} CREDIT LIMIT : {$1000.00} CLOSED XX/XX/XXXX PAST DUE : {$0.00} STATUS AS OF XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX  INSTALLMENT ACCOUNT PURCH BY ANOTHER LENDER AUTOMOBILE VERIF 'D XX/XX/XXXXBALANCE : {$0.00} INDIVIDUAL ACCOUNT OPENED XX/XX/XXXX MOST OWED : {$30000.00} PAY TERMS : 72 MONTHLY {$610.00} CLOSEDXX/XX/XXXX PAST DUE : {$0.00} STATUS AS OFXX/XX/XXXXCHARGE-OFF XXXX XXXX XXXX MORTGAGE ACCOUNT ACCT INFO DSP BY XXXX XXXX XXXX XXXX XXXX You are in receipt of notice under the authority of the Fair Debt Collection Practices Act regarding Credit XXXX. Be advised that it is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe, but this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. that your claim is disputed and validation is requested In order for me to make arrangements to pay an obligation I may owe, please validate the debt by complying in good faith with this request for VALIDATION and notice that I DISPUTE part of or all of the alleged debt. Please furnish a copy of the original contract redacting my social security number to prevent identify theft and state under penalty of perjury that your client is the bona fide party in interest of the contract and will provide the original for my own and a judges inspection should there be a trial to contest these matters.
1 Please produce the account and general ledger statement showing the full accounting of the alleged obligation, that you are now attempting to collect. 2 Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding this alleged debt. <P/> 3 Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original contracting party 4 Please verify under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 5 Please provide verification from the stated creditor that you are authorized to act for them, 6 Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of intrastate communications in a scheme of fraud by advancing a writing that you know is false with the intent
ion that others rely on the written communication to the determent of XXXX XXXX XXXX.
At this time, I am also informing you that if your office has reported invalidated information to any of the 3 major Credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any of XXXX credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character If your office is able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing information to a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would like to request in writing that no telephone contact be made by your office to my home. If your office attempts telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPD.
It would be advisable for you to assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records and any information obtained shall be used for that purpose Disputing the debt Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX