Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting 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: Backgrounds Online
State: WA

Complaint narrative:
Date : XX/XX/XXXX Addressed To : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Accurate Background, XXXX XXXX.<XXXX  Department XXXXXXXX XXXX XXXXXXXX Backgrounds  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Remediation of Inaccurate/Unverifiable Data and Data Security Failures Compliance with FCRA , WFCRA, and XXXX  XXXX XXXX  Account Holder/Consumer Information : Full Legal Name : XXXX XXXX XXXX Date of Birth XXXX XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX XXXX STATE ID : XXXX Social Security Number XXXX I. Statement of Complaint and Demand for Dual Action This letter serves as a formal complaint and a demand for immediate corrective action under the Fair Credit Reporting Act ( FCRA ) and the Washington Fair Credit Reporting Act ( WFCRA ). 

As a XXXX XXXX in XXXX  State, I am experiencing harm due to two distinct but related failures concerning my personal identifying information ( PII ) : Data Security Failure : My identity is continually being bought and sold on the internet ( the " dark web '' ), demonstrating a critical failure by data custodians to secure my sensitive information. 

Identity Verifiability Failure : When authorized parties ( employers and creditors ) attempt to verify my identity, they encounter unnecessary roadblocks due to outdated, incomplete, or insufficiently verifiable data in my file. 

This systemic failure to protect and accurately report my identity is unacceptable and must be resolved. I demand the following actions be taken immediately : Ensure Maximum Accuracy & Verifiability : Conduct a complete re-investigation and update of my file to ensure my PII is current, complete, and highly verifiable, thereby satisfying the FCRAs mandate for maximum possible accuracy.

Information Blocking ( if applicable ) : If the dark web activity has resulted in fraudulent entries, immediately block all information on my consumer report ( s ) that resulted from identity theft, as required under 15 U.S.C. 1681c-2.

Enhanced Security and Vigilance : Implement enhanced, demonstrable security measures to prevent the future sale or exposure of my PII on the dark web or any unsecure venue.

Written Response : Provide a written response detailing the specific, mandatory steps taken to resolve this complaint within the federally mandated timeframe of 30 days.

II. Legal Compliance Requirements Your organization is required to comply with the following laws and regulations : Federal Law ( FCRA ) : Requires all Consumer Reporting Agencies ( CRAs ) and Furnishers to maintain reasonable procedures to assure maximum possible accuracy of information ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable re-investigation of disputed items ( 15 U.S.C. 1681i ). 

Washington State Law ( WFCRA ) & XXXX XXXX XXXX : The WFCRA grants additional protections to XXXX  XXXX consumers. Furthermore, state laws concerning vulnerable adults ( XXXX  XXXX ) impose an elevated duty of care regarding the financial protection and security of this population. The continued compromise and lack of verifiability violate this duty. 

I demand that all listed legal obligations are met and that the identified information is corrected, updated for verifiability, and secured immediately. Failure to comply with the FCRA, WFCRA and CRA will result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation