Clarity Services Credit Report Errors

The Kim Law Firm represents consumers harmed by inaccurate reporting from Clarity Services. Clarity Services is a specialty consumer reporting agency: lenders pull its reports to decide whether to approve you for subprime, payday, installment, and other short-term loans. When Clarity Services reports something about you that is wrong or is not yours, you can be denied credit or pushed into worse terms — and the Fair Credit Reporting Act gives you the right to force a correction and recover money for the harm it causes. This page explains who Clarity Services is, how to get your report and dispute it, and how we can help.

Who is Clarity Services?

Clarity Services, Inc. is a specialty consumer reporting agency owned by Experian that focuses on the subprime and alternative-lending market. Payday, installment, and other short-term lenders pull a Clarity report to decide whether to approve you, so the data Clarity holds about your past short-term loans and applications directly affects whether you are approved and on what terms.

Why a Clarity Services error matters

Because Clarity Services sells reports to lenders in the subprime and short-term-lending market, an error on your file can quietly cost you. A wrong entry can get you denied for a loan, approved only at a higher rate, or flagged as a bad risk based on data that is inaccurate or is not even yours. Many consumers have never heard of Clarity Services until a lender denies them because of it.

Is Clarity Services reporting inaccurate information about you?

The most damaging Clarity Services errors we see include:

• It is not your data (identity theft). A loan or application someone else made in your name can appear on your Clarity Services file.
• Someone else's file mixed with yours. If Clarity Services merges your file with another person who has a similar name or Social Security number, you may have a mixed file — one of the most damaging reporting errors.
• A loan you paid still showing as unpaid or in default. Short-term loans that were repaid, settled, or discharged can keep reporting a balance or default.
• Outdated or duplicate entries. The same loan reported twice, or negative information kept past the time the law allows.

Each of these is a potential violation of the Fair Credit Reporting Act, which can entitle you to have the item corrected or deleted and to recover damages, often at no cost to you.

Your rights under the Fair Credit Reporting Act

Clarity Services is a consumer reporting agency under the Fair Credit Reporting Act (15 U.S.C. § 1681). That means it must follow reasonable procedures to assure the maximum possible accuracy of what it reports (§ 1681e(b)), it must conduct a reasonable reinvestigation when you dispute an error (§ 1681i), and it must give you a free copy of your report on request. When it fails to fix an error after a proper dispute, it can be held accountable — and if the violation was willful, you may be entitled to additional damages.

How to get your Clarity Services report and dispute an error

Clarity Services is an Experian company. Request your free consumer report and file disputes through Clarity's consumer disclosure page at clarityservices.com (consumer support 1-866-390-3118). Send any written dispute by a method you can prove, and keep copies.

Then dispute every inaccuracy in writing, keep copies of everything you send and receive, and if the error is the result of identity theft, file a report at IdentityTheft.gov and include it. If Clarity Services does not correct the error after a proper dispute, you may have a claim under the FCRA.

Clarity Services and consumer-protection law

In 2015 the Consumer Financial Protection Bureau ordered Clarity Services and its owner to pay an $8 million penalty for Fair Credit Reporting Act violations, including obtaining consumer credit reports without a permissible purpose. Clarity is a nationwide specialty consumer reporting agency, which means it must give you a free report on request and reinvestigate your disputes. Source: Consumer Financial Protection Bureau. If a Clarity report is inaccurate, you have strong grounds to demand a correction.

Who we can help and who we can not

We represent consumers whose Clarity Services report contains inaccurate information — data that is not yours, a mixed file, a paid loan still reported as unpaid, or outdated entries. That is the kind of Fair Credit Reporting Act problem we handle. We are not the right firm if the information Clarity Services is reporting is accurate and you simply do not want it reported, or if you are looking for a way out of a loan you genuinely owe. Our focus is fixing inaccurate reporting and recovering damages for the harm it causes.

How The Kim Law Firm helps

If you disputed a Clarity Services error and it was not fixed — or the damage is already done — we can help. We hold consumer reporting agencies accountable under the FCRA: we demand that the error be corrected and we pursue compensation for the harm it caused. The FCRA lets us recover our fees from the agency that broke the law, so your case review is free and we work on a no-fee-unless-we-win basis. Start your free case review or call 855-996-6342 today.

Dealing with a different reporting agency? See our pages on the nationwide credit bureaus and our other consumer-reporting resources.

Frequently asked questions about Clarity Services

What is Clarity Services and why is it on my loan application? Clarity Services is a specialty consumer reporting agency that sells reports to lenders, mostly in the subprime and short-term-lending market. A lender pulled your Clarity Services report to decide whether to approve you.

How do I get my Clarity Services report? As an FCRA-regulated consumer reporting agency, Clarity Services must give you a free copy of your report on request through its consumer disclosure process. Review it for anything inaccurate or that is not yours.

Can I dispute and remove inaccurate Clarity Services information? Yes. Dispute it in writing with Clarity Services; anything it cannot verify must be corrected or deleted. If it fails to investigate, that failure can itself be an FCRA claim.

What does it cost to have my case reviewed? Nothing. The FCRA shifts attorney's fees to the agency that broke the law, so we offer a free case review and work on a no-fee-unless-we-win basis.