Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (NJ)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have checked the credit report issued by your company, Innovis, on XX/XX/XXXX. 
Upon writing on Investigation Request, which was provided by your company, I further request the investigation on two matters at this moment. I have checked other credit report companies, XXXX, XXXX, and XXXX, even though all of them have some issues on my credit report which I am trying to correct. Compared to these reports, I would like you to explain these questions. 

First, I can not see the section of Personal Information, which, most likely, one of the important parts to identify the victim. Therefore, your company needs to add this section with plausible reason why you have not included this part. 

Second, I would like you explain why the section, XXXX XXXX  XXXX, with ending account # XXXX does not have any payment history ; even though this one is a major credit card of mine. And compared to other credit report companies which starting from the starting numbers, your company report uses ending four digits on all credit cards listed in your credit report. I am not sure the policy of credit report companies ; therefore, I would like you to discuss the policy of credit report companies in the United States to clearly explain and make understandable, which way is the right one, starting numbers or ending numbers of credit cards. Upon your explanation, I might ask other credit report companies their opinions regarding this issue. 

Third, you omit the payment history of this major credit card of mine. Would you explain why there was no payment history after acquiring my card on XX/XX/XXXX, even though you stated I paid {$3500.00} on XX/XX/XXXX? Some other credit report companies have some discrepancies on this matter ; therefore, I request the clear explanation to compare with other companies explanations to make satisfying answer by myself. 

Fourth, other credit report companies listed one more credit card which was closed, XXXX. Would you explain why this card was not listed? As far as I remember, I believe myself I had this card for a short period of time. If you state I have never had this card logically, I will reconsider myself the usage history in my past, and I gladly start to dispute with other credit report companies. Therefore, you need to provide satisfactory answer to dispute other credit report companies together. 

Fifth, on page 5, you listed inquires. As far as I understand, requests others can see might mean soft inquires. Same as above questions, other credit report companies listed the company names, which I might have received the credit card offers or not. In my memory, sometimes, even though a little bit, I believe I had some offers. Therefore, I feel your statement has some issues. Would you provide the explanation why you have never had the soft inquires? Also, your requests only you can see must be hard inquires. Since you listed your company, Innovis Consumer Assistance, addressed XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ), instead of the banks which I have accounts and others same as other credit report companies, should I consider you have your own way of listing? Does it happen because your company is a private company and do not have the responsibility to offer the readable and understandable credit report for the consumers? 

I expect your company, Innovis, will answer my questions listed above. 

Sincerely,