Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Correct Disputed Information Complaint Against : 1. MRS BPO LLC - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX I am filing this complaint against MRS BPO LLC and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Both entities have failed to properly investigate and correct inaccurate or unverifiable information on my credit report.

I disputed an account reported by MRS BPO LLC with XXXX, and despite my dispute, both entities failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ). The account remains on my credit report without proper validation, violating my rights under federal law.

In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that a consumer reporting agency may not merely " parrot '' information received from the furnisher during a dispute investigation. The agency must conduct its own independent and reasonable investigation. XXXX violated this standard by relying solely on the response from MRS BPO LLC without seeking original or verifiable documentation, such as a signed contract or Forward flow agreement.

FCRA Violations Committed by MRS BPO LLC and XXXX : 1. **Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) & 1681i ( a ) ) ** - XXXX failed to conduct an independent reinvestigation. 
- XXXX simply parroted the response from MRS BPO LLC. This is unlawful per the ruling in **Cushman v. Trans Union Corp.** - MRS BPO LLC did not provide proper documentation to verify the account.

2. Reporting Inaccurate or Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) - MRS BPO LLC furnished unverifiable or inaccurate data. 
- XXXX failed to ensure maximum possible accuracy before confirming the disputed account. 
- If MRS BPO LLC can not provide a signed contract, Forward Flow Agreement, or detailed payment history, the account must be removed.

3. **Failure to Provide Proper Debt Validation ( 15 U.S.C. 1692g, FDCPA Violation by MRS BPO LLC ) ** - MRS BPO LLC failed to provide proper validation upon request. 
- No signed contract, XXXX XXXX XXXX of XXXX, or itemized billing was produced. 


Requested Resolution : Immediate Deletion of the Account from XXXX Credit Report** Written Confirmation of Investigation Findings Independent and Verifiable Proof of the Debt Legal Compliance with FCRA Compensation for FCRA Violations** including damages for willful noncompliance under 15 U.S.C. 1681n Final Statement : MRS BPO LLC and XXXX  have violated the FCRA by failing to properly validate the debt and by continuing to report inaccurate, unverifiable information. XXXX  parroting of the furnishers claims is directly contradicted by the federal precedent set in Cushman v. Trans Union, which affirms a duty to investigate disputes with diligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief