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Business Profile

Credit Reporting Agencies

Clarity Services Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for Clarity Services Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 85 total complaints in the last 3 years.
    • 40 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/15/2023

      Type:Service or Repair Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Clarity services is tampering with my credit file. They deleted my correct address and replaced it with a incorrect one on Experian. I called Experian and they said it was clarity that made them delete it. How can you delete my current proper address? I sent in id certified mail and Experian disregard it I sent clarity my ID and they disregarded It. I have tried to fix and they ignore.

      Business Response

      Date: 06/17/2024

      In response to this complaint, on 11/15/23 Clarity Services (Clarity), contacted the consumer to request the information necessary to process their dispute request. As of 6/14/24, the consumer has not provided Clarity with the information necessary to process their request.

      Customer Answer

      Date: 06/17/2024

      They have my address wrong and they know they have address incorrect. They removed my original address and added one that I do not or never lived at. They said it was removed by error when I spoke to a representative so just fix it. What information you need from me I can provide my lease and all the other accounts that they report as current has my correct and current address. This is just stall tactics and they do whatever they feel like doing with the consumer. You removed my correct address and I have to jump through hoops to have it fixed?

    • Initial Complaint

      Date:10/13/2023

      Type:Delivery Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm so disappointed with their customer service i received today, i was told that i would be able to dispute something that was on my files by a previous rep {she was very sweet and easy to understand}. I was sent my report and saw nothing unusual so i to called in today 10/13/2023 to get it disputed, i ran into ****** who was very hard to understand, laughed in my face, and got me really upset. He needs more training.

      Business Response

      Date: 06/17/2024

      In response to this complaint, on 10/13/23 Clarity Services (Clarity), contacted the consumer to request the information necessary to process their dispute request. As of 6/14/24, the consumer has not provided Clarity with the information necessary to process their request.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Upon reviewing my credit report, I found accounts and it's evident that several of my rights have been violated under United States Code Law, specifically TILA, 15 U.S. Code 1666(b) Billing Error and more. I observed multiple billing errors, as per 15 U.S. Code 1666(b)(4), which says that creditors must accurately reflect payments and credits on statements. Additionally, creditors cannot treat a payment as late for any purpose. The affected accounts are OPENSKY CBNK - 462192XXXXXXXXXX, ************* 515307XXXXXX, COMENITYBANK/NY&CO - 585637XXXXXXXXXX, FIRST PREMIER BANK - 517800XXXXXXXXXX, FIRST PREMIER BANK - 517800XXXXXXXXXX, *******/FINGERHUT - 636992XXXXXXXXXX, and OPPLOANS/CC BANK - LAI020XXXXX. Yet the CRAs and Data Furnishers claim that everything is complete and accurate, which is puzzling given the incorrect open dates and dates of last activity, among other discrepancies. According to 15 USC ****(5) they are supposed to modify accounts that isn't reporting correctly. The other ways that my rights have been violated are according to 15 U.S.C **** Section 602 A, and 15 U.S.C **** Section 604 A Section 2. These sections affirm my right to privacy and stipulate that a consumer reporting agency cannot furnish an account without my written instructions, which I have not provided. The credit reporting agencies (CRAs) are also reporting late payments on closed accounts, violating my rights under 15 U.S. Code ****e: Compliance Procedures and Accuracy of Report, and 15 U.S. Code ****s2: Responsibilities of furnishers. I have never given permission to share my information, a violation of 15 U.S. Code ****b - Permissible purposes. I composed this complaint independently, without third-party assistance.

      Business Response

      Date: 08/30/2023

      In response to this complaint, on 8/21/2023 Clarity Services (Clarity), mailed the consumer a copy of the disclosure along with dispute results.

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I meticulously reviewed my credit reports and uncovered troubling inaccuracies. Data ******************** some affiliated with major ************************* (CRAs), have collectively violated my consumer rights under the ***** Notably, ***************** - 526449XXXXXXXXXX consistently reported inaccurate information, causing distress for me and my family. Furthermore, my Experian Credit Report listed the same account, SYNOVUS/FIRST DIGITAL - 526449XXXXXXXXXX, inaccurately three times on my report every month. This repeated negligence ***** my credit and is against law. Another problematic entry, 1STPROGRESS/TSYS/VT - 544303XXXXXXXXXX, raises concerns about data accuracy. The violations include: FCRA violation under 15 U.S Code ****a(2)(B): Exclusions from a consumer report. Violation of 15 U.S Code ****b: Permissible purpose of consumer reports, as I never authorized the sharing of my information. Violation of 15 U.S. Code ****e(b): Compliance Procedures. Violation of 15 U.S. Code ****i(5): Reporting inaccurate accounts without providing verifiable proof of my requests. I emphasize my right to privacy, protected by 15 U.S.C Code **** Section 602 A and Section 604 A, Section 2, which states that a consumer reporting agency cannot furnish an account without my written instructions, I never provided. These violations also extend to a breach of United States Code Law under TILA, specifically 15 U.S. Code 1666(b) regarding billing errors. I conducted this extensive research independently, without third-party assistance. In light of these well-documented violations, I urgently request the removal of these inaccurate accounts from my credit reports.

      Business Response

      Date: 08/30/2023

      In response to this complaint, on 8/21/2023 Clarity Services (Clarity), mailed the consumer a copy of the disclosure along with dispute results.

    • Initial Complaint

      Date:08/20/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I checked my credit reports today and found this inaccurate account on my credit reports and noticed that the ************************ (Some Owned by the Major CRAs), and ************************* have violated my consumer protected rights according to the ***** The following Companies: *************************, LLC - *****, NATIONAL CREDIT SYSTEMS ***** #####**, COLUMBIA DEBT RECOVERY PRS0SRXXXXXXXXXXXXXX - and PROFESSIONAL CREDIT SERVICE - #######################**** have been repeatedly reporting inaccurate information and it's stressed me out and is causing my family to suffer as well in many ways. This has motivated me to research and annotate the violations against my consumer rights as follows: Violation of the **** under 15 U.S Code ****a(2)(B): Exclusions from a consumer report, 15 U.S Code ****b permissible purpose of consumer reports. I've Never given anyone my permission to share or report any of my information. All have violated 15 U.S. Code ****e(b): Compliance Procedures, and 15 U.S. Code ****i (5): Reporting inaccurate accounts and they can't be verified with proof that I have requested already. U.S.C Code **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions; I never gave anyone written instructions. 15 U.S. Code ****c - Requirements relating to information contained in consumer reports. 15 U.S.C ****c(a)(5) States: no consumer reporting agency may make any consumer report containing Any other adverse item of information. You've also violated the United States Code Law under TILA, 15 U.S. Code 1666(b) Billing error. All of this research was exhausting, but I did it all by myself, with No 3rd Party assistance. Delete these accounts now!

      Business Response

      Date: 08/30/2023

      In response to this complaint, on 8/20/2023 Clarity Services (Clarity), mailed the consumer a copy of the Clarity disclosure along with dispute results.

      Customer Answer

      Date: 09/15/2023


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      *****************************

       

    • Initial Complaint

      Date:08/20/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I need this inaccurate Personal Information deleted immediately. Incorrect Names: ***************************, *******************************. Incorrect Address: ***************************************************************************. Continuously reporting this incorrect personal information on my credit report is a violation of my consumer protected rights, and the ***** Monthly this inaccurate information is continuously reported. Therefore my rights are being violated monthly according to 15 U.S. Code ****e - Compliance Procedures, Accuracy of Report, and 15 U.S. Code ****s2 - Responsibilities of furnishers... This Negligent noncompliance of reporting inaccurate information on my credit reports must stop now. I've also never given you permission to give my information to anyone, which is a violation of 15 U.S. Code ****b - Permissible purposes...I wrote this complaint by myself.

      Business Response

      Date: 08/30/2023

      In response to this complaint, on 8/20/23 Clarity Services (Clarity), contacted the consumer to request the information necessary to process their dispute and disclosure request. As of 8/30/23, the consumer has not provided Clarity with the information necessary to process their request.

      Customer Answer

      Date: 09/14/2023

      I have already provided the required identification needed to process this complaint. This company has broken the law and violated my consumer protected rights, and I demand that my complaint be processed.

      ***************************

      Business Response

      Date: 12/03/2023

      In response to this complaint, on 8/20/23 Clarity Services (Clarity), contacted the consumer to request the information necessary to process their dispute and disclosure request. As of 8/30/23, the consumer has not provided Clarity with the information necessary to process their request.

    • Initial Complaint

      Date:08/15/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      During my review of accounts on my Experian credit report, I noticed significant inaccuracies that are in direct violation of my rights under the ***** Specifically, the account listed as SANTANDER/CHRYSLER CAP - 300001XXXXXXXXXXX should be removed due to its infringement on my consumer rights. This account was involved in a multistate investigation that uncovered deceptive lending practices by Santander, including misleading consumers about their rights, risks of partial payments, and loan extensions. The settlement resulted in consumer relief and loan forgiveness.As per 15 USC 1681(4), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for privacy. Furthermore, 15 USC 1681i(5) mandates the modification or deletion of inaccurately reported accounts. These inaccurate accounts have been persistently reported, violating my FCRA rights.*********'s actions also breach U. S. Code 1681s-2 Responsibilities of Furnishers of Information, as they knowingly provided inaccurate information to consumer reporting agencies. All these accounts have violated my consumer rights under 15 U.S.C. ****, which encompasses the Fair Debt Collection Practices Act (FDCPA), prohibiting abusive and unfair debt collection practices.The following accounts, CREDENCE RESOURCE MANAGE - 350018XXX and ************************* - 197506XX, similarly need to be deleted immediately. I have independently researched, drafted, and authored this complaint, without any assistance.

      Business Response

      Date: 08/30/2023

      In response to this complaint, on 8/23/2023 Clarity Services (Clarity), mailed the consumer a copy of the disclosure along with dispute results.

    • Initial Complaint

      Date:08/15/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Having reviewed my credit report, I've identified ongoing inaccuracies. I lack knowledge of these accounts and urgently request the immediate removal of this false and fraudulent information. These violations of my FCRA rights hinder my family's financial support and home security. My consumer rights were violated under 15 U.S. Code ****e and 15 U.S. Code ****s2 due to negligent noncompliance in reporting deceptive data on my credit reports. This necessitates ****************.The subsequent accounts highlight recurring rights violations and negligence in reporting inaccurate data. This also contradicts 15 U.S. Code ****b - Permissible purposes... I've never granted authorization for sharing my information with any entity. Accounts: ******************* - ****************, and PERSONIFY FINANCIAL - **************. 15 U.S. Code **** section 602 A. states my right to privacy. This complaint was entirely self-composed, without third-party involvement.

      Business Response

      Date: 06/17/2024

      In response to this complaint, on 8/15/2023 Clarity Services (Clarity), mailed the consumer a copy of the disclosure along with dispute results.

    • Initial Complaint

      Date:07/25/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In accordance with the Fair Credit Reporting act. This account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Eagle valley lending: # **** has violated my rights. Also I dont reconigize any hard inquires listed on this report they need to be deleted as well 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C ****c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

      Business Response

      Date: 08/01/2023

      In response to this complaint, on 7/26/23 Clarity Services (Clarity), contacted the consumer to request the information necessary to process their dispute. As of 8/1/23, the consumer has not provided Clarity with the information necessary to process their request.

    • Initial Complaint

      Date:06/16/2023

      Type:Billing Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I’ve contacted clarity services in writing and over the phone!! 26 tribal loans listed on my credit report…21 I believe are the SAME company!! They are illegal loans and have all been taken care of!! Yet they refuse to remove them!! I’ve contacted the Iowa attorney general about this who says a tribal entity can not enforce their laws in Iowa!! They’ve been sued multiple times for violating Iowa laws!!

      Business Response

      Date: 06/22/2023

      In response to this complaint, on 6/17/23 Clarity Services
      (“Clarity”), contacted the consumer to request the information necessary to
      process their dispute  request. As of
      6/22/2023, the consumer has not provided Clarity with the information
      necessary to process their dispute request.

      Customer Answer

      Date: 06/23/2023

      they have not tried to contact me by phone or email!  I have not received any communications, but I did send information via certified mail today

    Clarity Services Inc is NOT a BBB Accredited Business.

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