Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Disputed Inaccurate Information and Request for Security Freeze & Permanent Opt-Out Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts USDEPTOFED Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name USDEPTOFED. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX. 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference. 

Requested Actions : Conduct a thorough investigation of the disputed accounts. 

Provide a written statement detailing the investigation results and actions taken. 

Remove the inaccurate accounts from my consumer reports. 

Send me updated copies of my corrected consumer reports. 

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. 

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.

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