Clarity Services Inc supposedly a CRA

[NeverQuietHere]

Ok, so I pulled my reports the other day and it looks like this dumb company pulled my report for 3 internet loan places on the same day. THREE different pulls. THREE different companies. I filed a complaint with the BBB in Florida, and these yahoos just emailed me at my email address instead of replying to the complaint via BBB. They sent a fraud form, a file disclosure form, and 3 other attachments. After reading their responses on the BBB, it looks like this is how they do things. They think that by emailing you this info, that they are in the clear.

 

This is what the email said:

Clarity Services, Inc. has been notified of your complaint with the Better Business Bureau and we are contacting you in an attempt to resolve this matter.

Clarity is a Consumer Reporting Agency like Experian, Equifax and TransUnion. As a consumer reporting agency, Clarity provides information to our customers, who use that information to decide whether or not to offer credit or services to consumers. Under the Fair Credit Reporting Act, you are entitled to a copy of your file with us—also called a “file disclosure” or “consumer disclosure.” We recommend obtaining a copy of your file disclosure from Clarity, as there may be additional information not contained in your Experian report. If you wish to obtain a copy of your file with Clarity, please complete all sections of the attached form, sign where indicated, and return a readable copy of your current driver’s license, state-issued ID, or other document that verifies your identity.

Additionally, your complaint indicates that you may be a victim of identity theft. If you do not believe that you initiated the listed inquiries there are additional actions that can be taken to protect your information, such as placing a fraud alert. Attached please find the Fraud Alert Request Form and a copy of your rights as a victim of identity theft.

Should you have any questions, please feel free to contact us by email, fax, phone, or mail. Our contact information can be found below. Additionally, if you would like us to call you please provide the number and someone from our staff will reach out to you.

Regards,

 

Consumer Specialist
consumers@clarityservices.com
1-866-390-3118
Fax: 727-712-9040

Ok, the stuff in bold and red is what gets me. if they are a CRA, why are they pulling my big 3 reports for payday loans? If they are indeed just like TU, Eq and Ex? They are not as far as I can tell and I have NEVER had TU, EQ or EXP pull each other's reports and list it under a payday loan company or any other entity for that matter. If Monkey Key and RBC Servicing LLC and Americash Loans LLC wanted my info, why wouldn't they have pulled Clarity's supposed reports? Why is Clarity pulling mine? This screams fraud to me.

Anyone had the same or similar issue? Like I said, they think that emailing the complaintee privately will be sufficient in closing out the case/Resolving it. There is no way in hell that I will allow that to be the case here. Btw, I did NOT authorize the pulls and have never sought loans from these companies.

Edited October 17, 2014 by NeverQuietHere

[cv91915]

The FCRA defines what constitutes a credit reporting agency. I don't know the definition cold, but that's where to look.

 

If you applied for a loan you gave the would-be lender permissible purpose to pull your credit. Sometimes they go through a third party, who aggregates info from multiple data sources. This happens all the time when you get mortgage... the mortgage originator goes to company like Factual Data or Credco, who pulls TUC, EFX and EXP and merges them together, sometimes from additional data sources as well (like the SDN database).

 

What's your actual beef here? Did you NOT apply for a loan?

Edited October 17, 2014 by cv91915