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Report: #1491196

Complaint Review: Clarity Services Inc. - Clearwater Florida

  • Submitted:
  • Updated:
  • Reported By: Richard — Fort Worth Texas United States
  • Clarity Services Inc. P.O. Box 5717 Clearwater, Florida United States

Clarity Services Inc. Clarity Services, Inc. P.O. Box 5717 Clearwater, FL 33758 1-866-390-3118 This company made a hard pull on my credit without my permission. Clearwater Florida

*Author of original report: More coverup

*Consumer Comment: No Other Choice?

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Clarity Services Inc. Clarity Services, Inc. P.O. Box 5717 Clearwater, FL 33758 1-866-390-3118 This company made a hard pull on my credit without my permission. They have been deceptive about it when I reported it to the Consumer Financial Protection Bureau. They reported the hard pull on 12/22/2019.

I am still not sure what relationship Experian has with the company but the hard pull said-CLARITY SERVICES INC Inquired on 12/22/2019 PO BOX 5717 CLEARWATER , FL 33758 (866) 390-3118 Line of credit on behalf of LEAD BANK (8440). This inquiry is scheduled to continue on record until Jan 2022. When I emailed them and asked them why they pulled my credit they emailed me back with a generic email and said Dear Consumer, Thank you for contacting Clarity Services Inc., A part of Experian.





Clarity Services, Inc. is a credit bureau that provides information to lenders, who use that information in whole or in part, to decide whether or not to offer credit or services to consumers. Please understand that Clarity Services, Inc. does not offer credit, did not deny your loan, and cannot tell you the reason for denial.

If you are contacting Clarity because you received an adverse action notice and would like to know what information is on your credit file, click here for instructions on how to submit a request for a copy of your Clarity Report. They still have not answerd why they pulled a hard pull on my credit. At this point I have advised them I am going to sue them as I have no other choice.

I suggest anyone else who this company pulled your credit without your permission do the same. United States

This report was posted on Ripoff Report on 02/02/2020 12:00 PM and is a permanent record located here: https://www.ripoffreport.com/report/clarity-services/clearwater-florida-po-box-fl-1491196. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
1Author
1Consumer
0Employee/Owner

#2 Author of original report

More coverup

AUTHOR: Richard - (United States)

POSTED: Monday, February 03, 2020

Robert,

Not sure where you get your fact source from but you should get it from somewhere else. You are ignorant about this case.

Supporting quotes are taken from 

UNITED STATES OF AMERICA

CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING. It is available here-https://files.consumerfinance.gov/f/201512_cfpb_consent-order_clarity-services-inc-timothy-ranney.pdf

The facts are these-

Robert said-I never understand why people think companies are just randomly pulling their credit to put an inquiry on their Credit Report.

Response-In 2015 Clarity Services was fined 8 million dollars for doing just that. I could list the entire ruling but it rather lengthy. Here is just a few lines-

 Clarity appeared to be acting as a reseller when it obtained these

Consumer Reports. In fact, Clarity was not acting as a reseller; rather,

Respondents' prospective client did not request these Consumer Reports

and neither Clarity nor the client had a permissible purpose to obtain

them.

  1. Because Respondents pulled these Consumer Reports, however, the

consumers' credit files reflected an inquiry. 18. When the prospective client learned of this and asked Respondents about the unauthorized Consumer Report pulls, Respondents requested that the third-party CRA. delete the inquiries showing Respondents' unauthorized

pulls of information from the consumers' reports.”(CFPB.)

Robert said- Just how were they deceptive? They probably stated something such as "We got a request for this person. Using the information provided and we sent the company requesting it the results". Which is 100% correct from their perspective.  If that is not the response, then what was it?

Response-Again, your ignorance prevails. The fact is I made the complaint and no investigation was started. No information was provided. No action was taken. I went as far as making a complaint with the CFPB and received the same generic email and they stated to the CFPB that they had responded to me in order to have it closed. A generic email asking me to provide documentation that I did not give permission for my credit to be pulled is not a coherent response to a complaint.

How do you provide proof that you did not authorize your credit to be pulled? Clarity is actually the company that pulled the credit so one would assume they know why and could provide that documentation if it existed which it doesn’t. Not investigating and answering consumer complaints is what they do.

But we don’t have to guess about this because they have already been fined for doing just that. Again, you’re ignorant and just ranting. I am not even sure why you would guess other than you work for them and are trying to make it seem as they have done no wrong.

See the below from their fine-

“23. For example, even when a consumer identified specific

reason why the consumer thought the item was inaccurate or incomplete,

Clarity would not reinvestigate unless the consumer provided specific

documentation. 24. Similarly, Clarity would not reinvestigate a consumer's claims that specific

inquiries were inaccurate or incomplete on his or her Consumer Report or

consumer file regardless of the information the consumer provided. This

was Clarity's policy even though, as described above, it was making

inquiries on consumers' files without a permissible purpose.”(CFPB)

They still have not answerd why they pulled a hard pull on my credit.
Robert said- I'll give you that answer right now...SOMEONE requested it.

Response-Again, You are ignorant unless you work for them then you are lying. The credit pull tells me who requested it-Clarity Services. See the above supporting document. When a company pulls your credit that company is listed. It was Clarity. Why would you assume otherwise?


Robert said- And I am sure they are cowering in the corner. Seriously, why are you going to sue them? You sent them an anonymous UNSECURED email to them, as they have no idea if you are who you say you are(unless you were STUPID enough to send your personal ID and finanancial information to them). As a result of that email they sent you back an equally "generic" email.

ResponseHow do you know what I sent them? I am going to sue them for the same reasons they were fined for before. Obviously, their behavior has not changed. Are you stupid enough to think information is secure with a company like Clarity who sends out your private secure sensitive information to another willy nilly without a care in the world? Are you really? You must be the person in charge of sensitive information at Clarity.

Robert said-In looking at the bank that requested it, they appear to be a "Second Chance" bank that deals with Sub-Prime borrowers. If you know you have not applied for any sort of credit, any new account(such as a Credit Card, Checking Account, or even a payday loan), or even made an inqury to a company. Then you may have a case of ID Theft.

Response-Ignorance is bliss! Again, That is exactly one of the many things Clarity was already fined for and told to quit doing. They did not.

“16. Clarity appeared to be acting as a reseller when it obtained these

Consumer Reports. In fact, Clarity was not acting as a reseller; rather,

Respondents' prospective client did not request these Consumer Reports

and neither Clarity nor the client had a permissible purpose to obtain

them. 17. Because Respondents pulled these Consumer Reports, however, the

consumers' credit files reflected an inquiry.” (CFPB)

“IT IS ORDERED, under Sections 1053 and 1055 ofthe CFPA, that:

  1. Respondents and their officers, agents, servants, employees, and attorneys

who have actual notice of this Consent Order, whether acting directly or

indirectly, shall cease and desist from further violations of Sections 604(f),

607(a), and 611 ofthe FCRA, 15 U.S.C. §§ 1681b(f), 1681e(a), and 1681i,

and shall cease and desist from selling or reselling any Consumer Report.”(CFPB)

Robert said-You need to follow the process that the company you got the report from to dispute the inquiry, and I can tell you that it isn't sending emails. If they deny it then you need to contact Lead Bank. At the same time you may need to file a ID Theft Report and freeze your credit report(for free). That will make it tougher for anyone you have

Response-No actually, they are going to do what the law requires them to do either willingly or forced by a court. I don’t care which one. It is not optional.

Robert you either work for Clarity or need a life. I am not sure why anyone would come on a public form to defend a credit company not knowing the facts. Maybe out of your good heart? If you work for them I most definitely will find out and your rantings on here will show the continued behavior of Clarity.

 

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#1 Consumer Comment

No Other Choice?

AUTHOR: Robert - (United States)

POSTED: Monday, February 03, 2020

I never understand why people think companies are just randomly pulling their credit to put an inquiry on their Credit Report.

They have been deceptive about it when I reported it to the Consumer Financial Protection Bureau.
- Just how were they deceptive? They probably stated something such as "We got a request for this person. Using the information provided and we sent the company requesting it the results". Which is 100% correct from their perspective.  If that is not the response, then what was it?

They still have not answerd why they pulled a hard pull on my credit.
- I'll give you that answer right now...SOMEONE requested it.

At this point I have advised them I am going to sue them as I have no other choice.
- And I am sure they are cowering in the corner. Seriously, why are you going to sue them? You sent them an anonymous UNSECURED email to them, as they have no idea if you are who you say you are(unless you were STUPID enough to send your personal ID and finanancial information to them). As a result of that email they sent you back an equally "generic" email.

In looking at the bank that requested it, they appear to be a "Second Chance" bank that deals with Sub-Prime borrowers. If you know you have not applied for any sort of credit, any new account(such as a Credit Card, Checking Account, or even a payday loan), or even made an inqury to a company. Then you may have a case of ID Theft.

You need to follow the process that the company you got the report from to dispute the inquiry, and I can tell you that it isn't sending emails. If they deny it then you need to contact Lead Bank. At the same time you may need to file a ID Theft Report and freeze your credit report(for free). That will make it tougher for anyone you have not authorized to access your report.

Good Luck

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