Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
b'Subject: Notice of COPYRIGHT INFRINGEMENT  and Lawful Demand for Permanent Opt-Out & Cessation of Unauthorized Surveillance & Data Profiling\XXXX XXXX XXXX XXXX XXXX XXXX the living man, hereby confirm that I am a victim of Identify Theft and Data Breaches, and that I have not knowingly, intentionally, nor voluntarily opted into any listing, data or reporting services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and MICROBILT including their subsidiaries. Furthermore, the agencies described herein are guilty of COPYRIGHT INFRINGEMENT for unauthorized use of my copyrighted intellectual property. The intellectual property described as XXXX XXXX XXXX XXXX and any and all derivatives thereof have been copyrighted since the XXXX  day of XXXX  in the year of XXXX  at XXXX This copyright is evidenced by Copyright Number XXXX which can be found in the database of XXXX The Secretary of State for the State of New Jersey, XXXX XXXX was given notice of this copyright as evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX  which was received by her office in XXXX  of XXXX. Any and all use of this intellectual property is subject to my express written consent in regards to how my property can be used in the public. On and for the record, I consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and MICROBILT et al using my intellectual property for under the strict condition that only information that I explicitly express and consent to being reported is reported and all information that I do not consent to being reported must be deleted because XXXX XXXX XXXX XXXX XXXX XXXX XXXX and MICROBILT never received my consent to utilize my intellectual property and has been selling inaccurate information attached to my copyrighted intellectual property which has caused financial harm. The reporting of inaccurate information is also Defamation of Character which has caused financial harm and hardship and I reserve my right to equitable compensation for all damages described herein. \n\nThe purpose of this notice is to issue a formal demand to permanently remove any and all personal information that I do not consent to being reported from all databases and records. This includes, but is not limited to, all forms of data collection, processing, profiling, aggregation, scoring, distribution, and sale.\n\nI have never provided informed or express written consent to the organizations above or any of the subsidiaries to collect, process, or trade on my personal, financial, or behavioral data. Furthermore, it is a violation of the Privacy Act of 1974 et al to sell or store my personal information without my express written wed ink autographed consent. Therefore, any such activities are being done without my authorization and constitute a violation of my privacy and autonomy.\n\nThis is not simply a voluntary opt-out under federal consumer law. It is a lawful demand based on my rights as a copyright holder and my rights protected by the constitution, as affirmed by the U.S. Supreme Court:\n\nGriswold v. Connecticut, 381 U.S. 479 (1965): Established that individuals have a protected right to privacy derived from the Bill of Rights. \n\nKatz v. United States, 389 U.S. 347 (1967): Affirmed that the Fourth Amendment protects people, not places  and that a reasonable expectation of privacy must be respected in both physical and digital contexts. \n\nCarpenter v. United States, 138 S. Ct. 2206 (2018): Ruled that warrantless access to digital records (e.g., location and behavioral data) is unconstitutional.\n\nOlmstead v. United States, 277 U.S. 438 (1928) (Brandeis dissent): The right to be let alone is the most comprehensive of rights and the right most valued by civilized men. \n\n\nEvidence of my copyright can be found at this weblinkXXXX

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