Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am filing a formal complaint against MicroBilt Corporation for serious violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) due to inaccurate reporting, failure to verify information, and the inclusion of personal data that does not belong to me. 
On XX/XX/XXXX, I r

eceived a MicroBilt Connect Report containing major inaccuracies and identity mix-ups. This report included multiple unrelated phone numbers, conflicting addresses, incorrect date ranges, and unverifiable data that have nothing to do with my credit or identity history. The report also reflected that my personal data had been used by others or mixed with another consumer file. Specific inaccuracies : My name is XXXX XXXX XXXX, but the report shows XXXX, XXXX XXXX, XXXX XXXX XXXX, and other incorrect variations.

The file lists at least six different phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX several of which do not belong to me and appear to be associated with other individuals.

The address history section lists XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with other addresses I have never lived at.

The report incorrectly lists activity between XXXX, including references to bank account changes, trade line summaries, and positive inquiry history, even though I do not have any accounts or trade lines through MicroBilt nor have I authorized any such report.

There is also mention of SSN verification with an issue begin date of XX/XX/XXXX and issue end date XXXX/XXXX/XXXX, which are nonsensical and impossible dates.

These entries are factually impossible and demonstrate that MicroBilts system either merged multiple consumer files or pulled inaccurate data from unknown sources. MicroBilt is a consumer reporting agency under the FCRA and is therefore legally required to maintain maximum possible accuracy and to investigate any disputed information promptly. They have failed to do both.

My previous actions : I contacted MicroBilt via phone after reviewing the Connect Report, and I was told to send disputes by mail. I subsequently sent a full dispute packet including my Social Security card, ID, and utility bill to verify my identity.

I have not received any written response or acknowledgment of my dispute, which violates FCRA 611 ( a ) ( 1 ) ( A ) ( 30-day reinvestigation requirement ).

MicroBilt continues to report false data and to store inaccurate records under my name and Social Security number, which were compromised in a data breach in XXXX. 
Ongoing harm : Because of MicroBilts false reporting and identity errors, I have been denied credit and funding opportunities, experienced data-mismatch issues with other bureaus, and suffered unnecessary emotional distress. The presence of unrelated phone numbers and accounts tied to my SSN also raises serious identity theft and privacy concerns.

Requested action / relief : Immediate deletion of all inaccurate information and the entire MicroBilt Connect Report associated with my SSN.

A complete investigation to determine how and why incorrect data from other individuals was linked to my file.

Written confirmation of deletion and correction sent to me within 15 days.

A full explanation of the source data and method of verification used to produce the inaccurate report.

Permanent suppression of all erroneous data associated with my SSN and name.

MicroBilts mishandling of my personal data constitutes willful noncompliance under FCRA 616 and 617. Their negligence has damaged my creditworthiness and caused measurable hardship, including financial delays and stress during ongoing funding applications.

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