Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft fraud.

These are all fraudulent credit card accounts and installments, and I did not apply for them, open them, close them, or make any charges on them.

Additionally, someone was able to obtain my personal bank information and was able to access and make payments which I had to get refunded after a lengthy time. I am requesting that the fraudulent credit cards, fraudulent hard inquiries, fraudulent installments, and fraudulent addresses below be permanently deleted from the companies and my credit reports to correct my credit report and permanently deleted from the company histories.

Someone used my personal information and took my identity to create the following fraudulently : - Fraudulent credit card accounts with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Multiple fraudulent addresses. 

They also used my personal bank information to make payments to these credit cards. 

I am unclear how they were attained, but potential scenarios include : leaving my personal bag unattended at the airport, leaving my bag at work one day, leaving my wallet at XXXX  XXXX day, working in public locations such as cafes, libraries, my e-mail was hacked a few years ago, and my personal information is open to the public using my XXXX. 

I would like all of these fraudulent identity theft credit card accounts, hard inquiries, installments, and addresses listed below permanently removed, deleted from the companies ( or lenders or creditors ) histories and from the primary and secondary credit bureaus and NEVER re-inserted or re-added to the companies ( or lenders or creditors ) histories nor the primary and secondary credit bureaus. Please block the companies permanently from ever re-adding them or re-inserting them. 

I would also like to receive a written letter stating that the below items are permanently deleted, permanently absolved, and will never be reinserted or re-added. 

I also demand that my current address, employer and any employers, e-mail, and phone number be deleted for security reasons. 

I also demand that my social security number and date of birth to not be displayed on my credit file for security reasons. 

Delete Credit Card Accounts : The following credit card accounts are not mine. I request that they be deleted. ( Of note, I was only able to obtain the last XXXX numbers of the account numbers from the companies and credit bureaus ). Please delete the following credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Accounts I request you stop creating new credit card accounts and generating new account numbers for these fraudulent credit cards in addition to removing all of these fraudulent credit cards effective immediately. 

Delete Hard Inquiries. 
The following hard inquiries are not mine. I request that they be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Hard Inquiries for Credit Cards Delete Installments : The following installments are not mine. I request that they be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance of {$960.00} Delete Addresses : I have not lived at or used the following addresses. Please delete them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For security reasons, please also delete the following from your company : - My current address - My current employer and any employers - Me e-mail - My phone number For security reasons, please do not display : - My date of birth - My social security number Per the Fair Credit Reporting Act Section Act 15 USC Section 1681c-2 ( a ) and the Fair Credit Reporting Act Section Act 15 USC Section 1681c-2 ( b ), the credit bureaus and the companies/ creditors/ lenders must permanently delete, block, and never re-add, re-insert the above fraudulent items, information, inquiries, and credit cards. The credit bureaus and the companies/ creditors/ lenders must not rescind or remove the blocks or deletions as all of these are fraudulent items as a result of identity theft. 

Per the Fair Credit Reporting Act 15 USC Section 1681i ( a ), you must delete these items and notify me of these permanent deletions within 30 days in writing.

Per the Fair Credit Reporting Act 15 USC Section 1681 ( a ( ) 4 ), I am a federally protected customer and I have the right to privacy. Not granting me my rights is a violation of the Fair Credit Reporting Act 15 USC. 

Please reach out to me within 3 days from the date of this letter. 

Please also send me a complete full copy of my credit report with these deleted items within 14 days from the date of this letter. 

Please also freeze and lock my credit report. Thank you. 

I have included a full copy of my passport, a recent bank statement showing my address, FTC Identity Theft Affidavit, and police report. 

Thank you Please mail me a full updated copy of my credit report after you delete these fraudulent accounts and information. Thank you.

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