Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
Summary of the problem I am disputing inaccurate, incomplete, and/or misclassified information in this companys specialty consumer file products that materially harms my credit and business-banking eligibility. Despite a written dispute and reinvestigation request ( sent on XX/XX/XXXX ) with ID and proof of address, the company has not corrected the data, has not provided an adequate Method of Verification ( MOV ), and continues to publish conflicting or unverifiable items. 

This complaint seeks enforcement of the Fair Credit Reporting Act ( FCRA ), including accuracy ( 607 ( b ), 1681e ( b ) ), disclosures ( 609 ( a ) ), reinvestigation ( 611 ), security freeze/alerts ( 605A ), and, where identity-theft indicators exist, blocking ( 605B / 1681c-2 ). It also addresses improper reinsertion ( 611 ( a ) ( 5 ) ( B ) ). 

What happened ( facts ) On XX/XX/XXXX I sent a Master FCRA Dispute, Banking-File Cleanup, ID-Theft Block & Verification Demand to this company ( and other specialty bureaus ) requesting : PII corrections ( keep only my current legal name/address ; suppress outdated name/address/phone/employer variants ). 

Reinvestigation and MOV for tradelines/inquiries that conflict with the national CRAs and across specialty files. 

Identity-theft block ( 605B ) where mixed-file indicators appear ( e.g., contradictory last-activity dates, mismatched identifiers ). 

Security freeze & permanent opt-out confirmation. 

Proof of certification & 5-day notice for any items reinserted after prior deletion ( 611 ( a ) ( 5 ) ( B ) ).

My evidence shows material cross-bureau conflicts, including status/balance/limit/date inconsistencies and missing/contradictory payment strings ( examples from the national CRAs included in my packet ) : XXXX XXXX XXXX Revolving ) : XXXX and past-due on XXXX vs. XXXX {$0.00} and stale reporting on XXXX. 

XXXX XXXX XXXX ( Unsecured & Auto Installments ) : XXXX XXXX codes in XX/XX/XXXX vs. XXXX XXXX {$0.00} with last activity XX/XX/XXXX. 

XXXX ( Synchrony Revolving ) : Charge-off progressions on XXXX  vs. mostly XXXX  strings on XXXX XXXX XXXX XXXX XXXX without XXXX XXXX 

XXXX ( Revolving ) : XXXX XXXX XXXX vs. XXXX Open/Current with stale reporting. 

XXXX XXXX ( Installment Sales Contract ) : CO with incomplete/contradictory histories and date misalignments risking re-aging. 

Banking/alt-credit & public-record screens used by lenders ( XXXX XXXX XXXX XXXX XXXX/MicroBilt ) may store or echo mismatched identifiers or stale/incorrect summaries, causing automatic denials. 

The companys response ( or lack thereof ) failed to supply MOV ( furnisher/member code, contract/ledger, DOFD, verification method, reviewer/date ) and did not correct the conflicting items.

Why this violates the law 607 ( b ) / 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

611 / 1681i Inadequate reinvestigation and failure to provide MOV describing procedures and furnisher details.

611 ( a ) ( 5 ) ( B ) Any reinsertion requires furnisher certification and 5-day written notice.

605B / 1681c-2 With identity-theft indicators and documentation, the company must block disputed information within 4 business days.

605A Failure to honor security freeze/opt-out requests and provide PIN/procedures for temporary lifts.

( I understand some entities label their products commercial. When personal identifiers are processed or files are used to underwrite consumers, FCRA duties apply. ) maries where applicable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation