Consumer complaint received 2025-11-15 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
XXXX XXXX XXXX DISPUTE LIST ALL ITEMS RESTORED Full Federal Violation Library All Disputed Accounts All Inquiries All Personal Data Errors All Secondary Agencies All Collections I. DISPUTED ACCOUNTS FULL FEDERAL VIOLATIONS These accounts were created using stolen identity data and were unlawfully furnished, reinserted, or verified using automated e-OSCAR systems in violation of federal law. 

Each account violates : FCRA 604, 605 ( a ), 605B, 607 ( b ), 609, 611, 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 1 ) ( B ), 623 ( b ) ( 1 ) XXXX  XXXX CFPA XXXX FDCPA XXXX XXXX XXXX XXXX XXXX, XXXX ( c ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX : {$620.00} XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX Balance : {$220.00} Fraud Identified : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$3000.00} Fraud Identified : XX/XX/XXXX Each of these accounts must be deleted immediately under FCRA 605B, 611, 623, 1681e ( b ), and EFTA 907.

II. UNAUTHORIZED INQUIRIES FULL FEDERAL VIOLATIONS Each inquiry below was performed without permissible purpose, without consent, and during a period of identity theft and data breach, violating : FCRA 604 ( a ) ( 3 ) FCRA 609 ( a ) ( 1 ) XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( illegal disclosure ) XXXX XXXX ( abusive data use ) XXXX XXXX ( unauthorized access ) XXXX XXXX These inquiries must be deleted unless full contracts XXXX XXXX XXXX XXXX permissible-purpose certification are produced. 

Resident Verify ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Credit XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX ) XXXX  XXXX ( XX/XX/XXXX ) III. INCORRECT PERSONAL DATA MUST BE DELETED These items violate FCRA XXXX ( b ), XXXX, XXXX, and XXXX XXXX : Incorrect Addresses Incorrect Employers Incorrect Name Variations Incorrect Identifiers Only the following address is lawful : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX SECONDARY AGENCIES ALL MUST SUPPRESS & DELETE Your stolen identity was unlawfully transmitted, republished, and monetized by over XXXX data-brokers, each violating : FCRA 604, 605B XXXX  XXXX XXXX XXXX FTC Safeguards Rule XXXX XXXX ( a ) ( XXXX ) ( C ) XXXX XXXX ( c ) Major  Secondary Agencies Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX total brokers All must delete, suppress, and block your identity-theft data and stop all internal resale. 



V. DEBT COLLECTORS FULL VIOLATIONS Every collector tied to any account or inquiry is violating : FDCPA 807 FDCPA 808 FDCPA 809 FCRA 623 ( a ) ( 1 ) ( B ) FCRA 607 ( b ) CFPA UDAAP violations XXXX XXXX XXXX XXXX Each collector must produce : Validation Contracts Chain of title Proof of assignment Itemized accounting IP logs Permissible-purpose records They have produced none, making all furnishment illegal. 



VI. XXXX & REPOSSESSION LAW VIOLATIONS ( XXXX XXXX FEDERAL ) These apply to any auto entry, deficiency balance, or related fraud : UCC Article XXXX Violations : UCC XXXX XXXX repossession UCC XXXX Unreasonable sale UCC XXXX No notice UCC XXXX Insufficient notice UCC XXXX Missing mandatory disclosures UCC XXXX Consumer-protection disclosures UCC XXXX Improper sale proceeds UCC XXXX No XXXX explanation UCC XXXX Reservation of rights UCC XXXX Fraud remedies UCC XXXX Produce original contract UCC XXXX Fraud is universal defense XXXX Auto & Repo Laws Violated : XXXX XXXX ( f ) FCRA XXXX ( a ) ( XXXX ) XXXX XXXX ( b ), 611 FDCPA 807808 CFPA 5531 Federal Repossession Guidelines HUD Veteran Housing Rules ( if auto issues harmed housing access ) Any auto-related item reported without original contract + notices is per XXXX illegal. 



XXXX. CYBERSECURITY & DATA-BREACH LAWS VIOLATED XXXX XXXX ( security ) GLBA XXXX ( disclosure ) XXXX XXXX ( unauthorized access ) FTC Red Flags Rule FTC Safeguards Rule National Cybersecurity Enhancement Act XXXX XXXX XXXX XXXX ( data XXXX  ) XXXX XXXX ( c ) ( continuing enterprise ) Your identity was compromised, resold, and redistributed nationwide without authorization. 



XXXX. EMOTIONAL, FINANCIAL & CIVIL-RIGHTS HARM Violations caused : Housing denial Mortgage rejection Credit suppression Financial destabilization XXXXXXXX XXXX XXXX Economic discrimination Retaliation for filing disputes Veteran-rights violations Federal protections triggered : HUD, FHA, XXXX, XXXX, XXXX, XXXX Rights XXXX XXXX VI, CFPB XXXX. 



XXXX. REQUIRED ACTIONS ( XXXX DEADLINE ) All agencies must : XXXX. Delete all fraudulent accounts XXXX. Delete all unauthorized inquiries XXXX. Delete all incorrect personal information XXXX. Delete all dispute comments XXXX. Produce MOV for each item XXXX. Provide contracts, XXXX logs, chain-of-title XXXX. Provide all XXXX repo notices ( if applicable ) XXXX. Update corrected reports from all CRAs XXXX. Suppress identity-theft data from all XXXX brokers X. FEDERAL CONSEQUENCES FOR NON-COMPLIANCE Non-compliance triggers referral to : CFPB FTC DOJ ( XXXX & XXXX ) FBI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDIC XXXX HUD FHA XXXX XXXX Treasury XXXX  Attorney General Violations include : FCRA XXXX, XXXX FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Safeguards Red Flags XXXX  FIPA FDUTPA FCCPA

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