Consumer complaint received 2023-06-20
Company: CBC Companies, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I'M MAKING A COMPLAINT AGAINST INNOVIS. I'M CHALLENGING INNOVIS REPORTING AND IT IS IN VIOLATIONS OF THE FCRA LAWS. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME THE CONSUMER. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT INNOVIS IS DAMAGING AND RUINING MY CONSUMER REPORT AND STOPPING ME FROM OBTAINING A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A FAIR, SUITABLE, ACCURATE, TO ME CONSUMER REPORT. I'M LISTING THE FCRA CASE LAWS CUSHMAN V TRANSUNION, MILLER V EQUIFAX, YBARRA V EXPERIAN, STEVENSON V TRANSUNION THAT SUPPORT MY CLAIM TO DELETE ALL ITEMS I WILL LIST. THE FCRA LAWS AND CASE LAWS ARE WHY THESE ITEMS I LIST FROM MY CONSUMER REPORT NEED TO BE DELETED IMMEDIATELEY. AGAIN I WILL SHOW FCRA LAWS AND CASE LAWS THAT SUPPORT MY CASE FOR INNOVIS TO DELETE ITEMS I LIST. INNOVIS IS BEING ALLOWED TO BE IN WILLFUL NON COMPLIANCE AGAINST INNACCURATE REPORTING ON MY CONSUMER REPORT. FCRA LAWS 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT SHARING OF MY NON PUBLIC INFORMATION WITH 3RD PARTY UNAUTHORIZED FURNSHSERS ,15 USC 1681B ( 2 ). INNOVIS NEEDS TO COMPLY WITH THE FCRA BY DELETING THESE ITEMS THAT I LIST DUE TO BEING INACURATELY REPORTING ON MY INNOVIS CONSUMER REPORT. XXXX XXXX XXXX ACCT # XXXX IS REPORTING ( XXXX ) ACCOUNTS I DO NOT HAVE ( XXXX ) ACCOUNTS WITH XXXX XXXX XXXX DELETE BOTH THESE ACCOUNTS IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING LATE PAYMENTS ON MY CONSUMER REPORT WHICH IS OBVIOUSLY INCORRECT AND INACCURATE 15 USC 1666B TIMING OF PAYMENTS DELETE ALL LATE PAYMENTS ON THIS ACCOUNT. CHARGE OFFS UNDER THE IRS DEFINITION BASED ON IRS REGULATIONS 26 CFR 1.6050P-ISTATES THAT CHARGE OFFS ACCOUNTS ARE PROFIT LOSS WRITE OFFS AND CONSIDERED GROSS INCOME XXXX099 IRS FORMS ARE TO BE ISSUED AND ALL GROSS INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT IRS PUBLICATIONS AND FCRA STATE THIS DELETE THESE CHARGED OFF ACCOUNTS. THESE ACCOUNTS ARE IN FCRA VIOLATIONS. XXXX XXXX ACCT # XXXX, DELETE XXXX XXXX ACCT # XXXX, DELETE XXXX XXXX XXXX ACCT # XXXX, DELETE XXXX XXXX XXXX XXXX, DELETE XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX AGAIN DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS AND ACCORDING TO THE IRS 1099 FORMS ARE TO BE ISSUED AS IT IS CONSIDERED TAXABLE GROSS INCOME TO ME THE CONSUMER. THE FURNISHERS ACCOUNTING BOOKS ARE CLEARED BALANCE XXXX ACCORDING TO THE IRS. THESE FURNISHERS ALSO RECIEVED A DEFAULT INSURANCE PAYMENTS AND FOR THE FURNISHERS TO KEEP INCORRECTLY, INACCUARETELY, REPORTING LATE PAYMENTS, AND SHOWING BALANCES AND UTILIZATION IS INCORRECT, INNACCURATE VIOLATION REPORTING ACCCORDING TO THE FCRA AND THIS SHOWS THERE ATTEMPTING TO " GET DOUBLE UNJUST ENRICHMENT PAYMENTS " WHICH IS UNFAIR, UNLAWFUL. AFTER SHOWING THE FCRA LAWS BEING VIOLATED AND CASE LAWS. HOW CAN INNOVIS BOLDLY KEEP BEING ALLOWED TO REPORT THIS? THE FCRA CONSUMER LAWS ALONE I LISTED ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT I ALSO SHOWED FCRA CASE LAWS SUPPORTING MY CLAIM. IF INNOVIS WILL NOT COMPLY TO THE FCRA CONSUMER REPORTING LAWS I WILL BE FORCED TO SEEK FEDERAL COURTS HELP. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE, AND HOLD INNOVIS ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS AND CASE LAWS ESTABLISHED THAT INNOVIS IS GUILTY OF VIOLATING IN THERE REPORTING. FCRA LAWS THAT SUPPORT DELETION OF ITEMS LISTED 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AMD DELETE XXXX XXXX XXXX XXXX XXXX, AZ XXXX I DO NOT LIVE THERE AND HAVING THAT ON MY CONSUMER REPORT YOU INCREASE MY CHANCES OF IDENTITY THEFT DELETE THAT ADDRESS INNOVIS MUST COMPLY WITH THE FCRA ITS FEDERAL LAW.

Company response to consumer: Closed with explanation