Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Clarity Services INC . 

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : Late30Days Late60Days Late30Days Account Status : Closed Closed Closed Account Type : Revolving Revolving Revolving Balance Owed : {$14000.00} {$15000.00} {$14000.00} Closed Date : -- -- -- Credit Limit : XXXX XXXX XXXX Creditor Remarks : DISPUTE RESOLVED - SUBSCRIBER DISAGREES ACCOUNT DELINQUENT 60 DAYS PAST DUE DATE -- Creditor Type : XXXX  XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$15000.00} {$15000.00} {$15000.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$370.00} {$370.00} {$370.00} Payment Frequency : -- -- -- Payment Status : Late30Days Late60Days Late30Days Term Length : -- -- -- Loan Type : CreditCard CreditCard CreditCard XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Description : JointContractual Liability JointContractual Liability XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Page 1 of 8 Account Rating : CollectionOrCharg eOff CollectionOrCharg eOff Account Status : Closed Closed Account Type : Revolving Revolving Balance Owed : {$10000.00} {$10000.00} Closed Date : -- -- Credit Limit : XXXX XXXX Creditor Remarks : PROFIT AND LOSS WRITEOFF UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Finance Finance Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : {$10000.00} -- Last Payment : -- -- Last Verified : XXXX XXXX Past Due Amount : -- -- Payment Amount : {$0.00} -- Payment Frequency : -- -- Payment Status : CollectionOrCharg eOff CollectionOrCharg eOff Term Length : -- -- Loan Type : CreditCard CreditCard XXXX XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : AsAgreed Account Status : Open Account Type : Revolving Balance Owed : {$2000.00} Closed Date : -- Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Page 2 of 8 Creditor Remarks : CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Creditor Type : XXXX XXXX Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : Y High Balance : {$15000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$100.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : -- Loan Type : CreditCard XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Description : Individual Individual Account Rating : AsAgreed AsAgreed Account Status : Open Open Account Type : Revolving Revolving Balance Owed : {$290.00} {$280.00} Closed Date : -- -- Credit Limit : XXXX XXXX Creditor Remarks : DISPUTE RESOLVED REPORTED BY GRANTOR CURRENT ACCOUNT/WAS 30 DAYS PAST DUE DATE Creditor Type : Banking Banking Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Page 3 of 8 High Balance : {$360.00} {$360.00} Last Payment : -- -- Last Verified : XXXX XXXX Past Due Amount : -- -- Payment Amount : {$0.00} {$25.00} Payment Frequency : -- -- Payment Status : AsAgreed AsAgreed Term Length : -- -- Loan Type : CreditCard CreditCard XXXX XXXX XXXX Experian XXXX Account # : XXXX Account Description : Individual Account Rating : AsAgreed Account Status : Closed Account Type : Revolving Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : ACCOUNT CLOSED BY CREDIT GRANTOR Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$5100.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : AsAgreed Term Length : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Page 4 of 8 Loan Type : -- XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX Account Description : Individual Individual Account Rating : AsAgreed TooNew Account Status : Closed Closed Account Type : Installment Installment Balance Owed : {$0.00} {$0.00} Closed Date : -- -- Credit Limit : XXXX XXXX Creditor Remarks : CLOSED -- Creditor Type : Banking Banking Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : N N High Balance : {$1000.00} {$1000.00} Last Payment : -- -- Last Verified : XXXX XXXX Past Due Amount : -- -- Payment Amount : {$0.00} -- Payment Frequency : -- -- Payment Status : AsAgreed TooNew Term Length : -- -- Loan Type : -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : AsAgreed AsAgreed AsAgreed Account Status : Closed Closed Closed Account Type : Installment Installment Installment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX, XXXX Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Credit Limit : XXXX -- -- Creditor Remarks : CLOSED -- FIXED RATE Creditor Type : Banking Banking Banking Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : N N N High Balance : {$720.00} {$720.00} {$720.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$0.00} -- {$0.00} Payment Frequency : -- -- -- Payment Status : AsAgreed AsAgreed AsAgreed Term Length : -- XXXX -- Loan Type : Secured Secured Secured Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX Account Description : Individual Individual Account Rating : AsAgreed TooNew Account Status : Closed Closed Account Type : Installment Installment Balance Owed : {$0.00} {$0.00} Closed Date : -- -- Credit Limit : XXXX XXXX Creditor Remarks : CLOSED -- Creditor Type : Banking Banking Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX Account Description : Individual Individual Account Rating : AsAgreed TooNew Account Status : Closed Closed Account Type : Installment Installment Balance Owed : {$0.00} {$0.00} Closed Date : -- -- Credit Limit : XXXX XXXX Creditor Remarks : CLOSED -- Creditor Type : Banking Banking Date Opened : XXXX XXXX Date Reported : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : N N High Balance : {$1000.00} {$1000.00} Last Payment : -- -- Last Verified : XXXX XXXX Past Due Amount : -- -- Payment Amount : {$0.00} -- Payment Frequency : -- -- Payment Status : AsAgreed TooNew Term Length : -- -- Loan Type : -- -- XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : AsAgreed AsAgreed AsAgreed Account Status : Closed Closed Closed Account Type : Installment Installment Installment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Page 5 of 8 Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Credit Limit : XXXX -- -- Creditor Remarks : CLOSED -- FIXED RATE Creditor Type : Banking Banking Banking Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : N N N High Balance : {$720.00} {$720.00} {$720.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$0.00} -- {$0.00} Payment Frequency : -- -- -- Payment Status : AsAgreed AsAgreed AsAgreed Term Length : -- XXXX -- Loan Type : Secured Secured Secured Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, AZ XXXX SSN : XXXX DOB : XX/XX/1976 Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Page 6 of 8 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX