Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Advanced Resolution Services Inc. (NC)

I chose the " missing information '' option because there was not option to fit my situation. I have requested a copy of my consumer report as well as a security freeze from Advanced Resolution Service after finding out that this company compiles information on consumers. 

On XX/XX/XXXX I mailed a copy of my drivers license, Social Security card and a recent utility bill to verify my identity, Social Security number and address along with the letter requesting the freeze and copy of my report. 

In response I received a letter dated XX/XX/XXXX demanding income information they are not entitled to. Their letter requested " Proof of your identity - Please send a XXXX, paystub or tax return showing your full social security number '' On XX/XX/ I mailed another letter refusing to send financial documents and asserting the my drivers license was sufficient proof of my identity and the copy of my Social Security card was sufficient proof of my social security number ( and in fact is the only legally valid verification of a Social Security number. ) Today,XX/XX/XXXX, I received a telephone call that I did not answer as it was from an odd 6 digit number ( XXXX ). A voicemail was left by a female who did not give her name stating she was calling from Advanced Resolution Service. She stated that they had received my second request for a copy of my report and a security freeze, and stated " in order to process your request we do need a copy of a XXXX, pay stub, or tax form showing your full Social Security number. We do not need your financial information, you can cross that part off, we just need an official document showing the use of your Social Security number. '' First, they have no right to request this, there is no way to cross off all sensitive information they are not required to from these documents, and financial records are not " official documents. '' The only reason I can think of for demanding financial documents as Social Security number verification is because they show place of employment, salary, family composition and much much more. More information for their data mining operation? None of these documents are even acceptable verification of a Social Security number by any stretch of the imagination. 

And do they flat-out deny reports to everyone who is XXXX or retired? None of those people have XXXX forms, check stubs, or tax forms. Highly illegal to discriminate against the elderly and XXXX in this manner. 

So, lets just say that I am retired and XXXX and/or have never worked a day in my life. Maybe I'm a recent college graduate, just starting out and not employed yet. None of their business. They have no cause to demand proof of employment in order to comply with the law. This is exactly what they are doing by refusing to acknowledge official government documents that verity Social Security number and instead demanding financial documents, which are not official documents, for that same purpose.