Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Clarity Services , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : IMMEDIATE DEMAND FOR COMPLIANCE FAILURE TO INVESTIGATE & VIOLATIONS OF FEDERAL LAW TO WHOM IT MAY CONCERN, This is a final, legally binding demand that Clarity Services , Inc. immediately comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable federal and state laws. Your refusal to process my disputeon the false premise that my request " does not appear to have been sent directly by me or to be authorized by me '' is both factually incorrect and a blatant violation of federal law. 

MY IDENTITY WAS PROPERLY VERIFIED YOUR RESPONSE IS A LEGAL VIOLATION Your claim that my dispute was not submitted by me is patently false. My full name, email address, and identifying information were clearly included in the dispute submitted via the Consumer Financial Protection Bureau ( CFPB ) portal, which was sent directly by me. Additionally, your company pulled my credit report, meaning you have already verified my identity through my name and the last XXXX digits of my Social Security number. Your refusal to process my dispute is a willful and negligent violation of multiple federal statutes and case law precedents. 

VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 et seq.

Clarity Services , Inc. has committed multiple violations of the FCRA, exposing itself to substantial legal liability : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate : You are legally required to conduct a reasonable reinvestigation within 30 days of receiving my dispute. Your unlawful refusal to investigate, based on a knowingly false claim about my identity, constitutes a clear violation of this provision.

15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy : As a credit reporting agency, you have an affirmative duty to maintain maximum possible accuracy in the consumer reports you generate. By failing to process my dispute, you are knowingly allowing inaccurate and potentially harmful information to remain on my report, violating your statutory obligations.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) Unauthorized Use of My Credit Information : Since you pulled my credit report, you confirmed my identity, which contradicts your claim that my dispute was unauthorized. If you continue to deny my request, I will pursue legal action against Clarity Services , Inc. for improper use of my consumer report.

15 U.S.C. 1681n & 1681o Willful and Negligent Noncompliance : Your intentional and reckless failure to investigate my dispute makes you liable for statutory damages, punitive damages, and attorneys fees under these provisions. 


CASE LAW SUPPORTING YOUR LIABILITY TransUnion LLC v. Ramirez, 594 U.S. ___ ( 2021 ) : The U.S. Supreme Court ruled that inaccurate reporting causes concrete harm, exposing credit reporting agencies to legal consequences. Your failure to correct my report places you in direct violation of this precedent.

Soutter v. Equifax Information Services , LLC, 498 Fed. Appx. 260 ( 4th Cir. 2012 ) : The court ruled that failure to reasonably investigate disputes regarding inaccurate data violates the FCRA, making the agency liable for damages.

Cowans v. Equifax Information Services, LLC, No. 20-3368 ( 7th Cir. 2021 ) : Consumer reporting agencies must conduct reasonable and thorough investigations, and failure to correct errors promptly is actionable under federal law.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : The FCRA imposes strict liability for noncompliance, meaning that your failure to act exposes Clarity Services , Inc. to legal damages.

VIOLATIONS OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ) 12 U.S.C. 5536 Under the Consumer Financial Protection Act, it is unlawful for a credit reporting agency to engage in unfair, deceptive, or abusive acts or practices ( UDAAP ). Your false claim that my dispute was unauthorized is a deceptive act that misleads consumers and obstructs their rights under federal law. 

VIOLATIONS OF THE GRAMM-LEACH-BLILEY ACT ( GLBA ) 15 U.S.C. 6801 et seq.

Your failure to explicitly confirm that my personal information will not be used for any purpose other than identity verification violates the GLBA, which mandates that financial institutions safeguard consumer data from unauthorized access and misuse. 

DEMAND FOR IMMEDIATE ACTION I am making the following non-negotiable legal demands : 1. IMMEDIATE REINVESTIGATION You must immediately conduct a proper reinvestigation into the disputed information on my credit report. You have 30 days from the date of my original dispute to comply, per FCRA 1681i ( a ) ( 1 ) ( A ).

2. FORMAL WRITTEN STATEMENT You must provide written confirmation that my personal information will not be used for any purpose other than verifying my identity.

3. FULL ACCOUNTABILITY If you fail to comply, I will take legal action without further notice, including but not limited to : Filing formal complaints with the CFPB, FTC, State Attorney Generals Office, and Better Business Bureau.

Initiating civil litigation against Clarity Services , Inc. for willful and negligent violations of the FCRA, CFPA, and GLBA.

Seeking statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees under FCRA 1681n.

FINAL WARNING NO FURTHER NOTICE WILL BE GIVEN This is your final opportunity to comply before I escalate this matter to federal and state regulatory agencies and pursue legal action. Your failure to respond with full compliance will be seen as intentional noncompliance, and I will proceed accordingly. 

I expect a written response with confirmation of compliance within 30 days from the date of this letter. 

Sincerely, XXXX XXXX -- - XXXX XXXX XXXX [ Date : XX/XX/XXXX ] Clarity Services , Inc.

Re : Formal Dispute of Consumer Report Information & Immediate Demand for Data Privacy Assurance To Whom It May Concern, This letter serves as a formal dispute regarding any and all information Clarity Services , Inc. may have associated with my name. Additionally, I am demanding a legally binding written assurance that my personal dataincluding but not limited to my Social Security number, identification documents, and any information you collectwill not be sold, transferred, shared, or used for any purpose beyond strict identity verification, in full compliance with all applicable federal and state laws. 

LEGAL BASIS FOR THIS DEMAND Clarity Services XXXX Inc. is bound by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which imposes strict requirements on consumer reporting agencies regarding the handling, dissemination, and security of consumer information. Any unauthorized distribution of my personal data is a clear violation of these legal obligations and would constitute willful noncompliance under 15 U.S.C. 1681n, which carries statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. 

Furthermore, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809, mandates financial institutionsincluding credit reporting agenciesto implement stringent safeguards protecting consumer data from unauthorized access and misuse. Failure to comply with these requirements exposes Clarity Services , Inc. to enforcement actions by the Federal Trade Commission ( FTC ) under 15 U.S.C. 6805.

Additionally, case law such as TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ) reaffirms that a consumer reporting agencys mishandling or unauthorized disclosure of consumer data is grounds for substantial legal liability. Further, Spokeo , Inc. v. Robins, 136 S. Ct. 1540 ( 2016 ) establishes that willful noncompliance with federal consumer protection lawseven absent direct financial harmis sufficient for legal action and damages.

MY FORMAL DEMANDS 1. IMMEDIATE CONFIRMATION IN WRITING that my personal data will not be sold, shared, transferred, or used for any purpose outside of identity verification. I demand explicit assurance that Clarity Services , Inc. is in full compliance with the FCRA, GLBA, and all applicable privacy laws.

2. FULL DISCLOSURE of any and all entities to which my personal information may have been previously disseminated. Under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to a full disclosure of my consumer file, including any parties that have accessed or received my data.

3. PERMANENT DELETION REQUEST : If Clarity Services , Inc. has no legitimate reason to retain my personal data under 15 U.S.C. 1681b, I demand its immediate deletion and written confirmation that all records associated with me have been permanently removed from your databases.

4. IMMEDIATE RESPONSE WITHIN 30 DAYS : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to investigate and respond to consumer disputes within 30 days. Failure to comply will result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX 



NOTICE OF LEGAL CONSEQUENCES Should Clarity Services , Inc. fail to comply with my requests or fail to provide a legally sufficient response, I will have no choice but to pursue all available legal remedies. This includes, but is not limited to : Filing a formal complaint with the CFPB Lodging a privacy violation complaint with the FTC Seeking monetary damages in federal court under 15 U.S.C. 1681n for willful violations Demanding a full regulatory investigation into Clarity Services , Inc.s data handling practices Let this serve as your final opportunity to rectify any errors, provide the requested assurances, and avoid further legal consequences. Failure to respond adequately will result in immediate escalation. 
I expect your full compliance and a written response no later than [ Insert Deadline 30 Days from Date of Letter ]. Any failure to meet this deadline will be considered willful noncompliance, and I will proceed with legal action accordingly. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation