Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, Subject : Detailed Complaint and Resolution Request Concerning Innovis Introduction : This letter is to bring to your attention the significant difficulties I have faced with Innovis, particularly in the wake of a series of personal and health crises that began in XXXX. These events severely impacted my ability to manage my financial records and advocate for myself, leading to numerous inaccuracies and unauthorized activities on my credit report managed by Innovis. 

The Story : My ordeal started in XXXX, following an embezzlement incident at my company that resulted in my ousting as CEO. Shortly afterward, I suffered a minor aneurysm, which led to an extended period of mental and physical incapacitation. During this vulnerable time, I discovered inaccuracies and unauthorized transactions on my Innovis credit report, which added to the already overwhelming challenges I was facing. 

Difficulties in Navigation : Attempting to navigate Innovis 's dispute resolution process was a herculean task, exacerbated by my health condition. The primary hurdles I encountered included : Complex and Inaccessible Dispute Process : The process for disputing inaccuracies on my credit report was convoluted and lacked transparency, making it difficult for someone in my condition to effectively manage. 

Lack of Mental Health Accommodations : Innovis did not provide any specialized support or accommodations for individuals with mental health conditions, significantly hindering my ability to communicate my situation and advocate for the necessary corrections. 

Inadequate Communication and Record-Keeping : My efforts to dispute the inaccuracies were met with fragmented and inconsistent responses. There seemed to be no comprehensive tracking of my previous communications, rendering each attempt to address the issues as if it were the first. 

The XXXX : The impact of these unresolved inaccuracies on my Innovis credit report has been devastating. The financial ramifications are clear, including damaged creditworthiness and lost financial opportunities. However, the emotional and psychological toll, compounded by the lack of understanding and accommodation from Innovis, has been equally significant. 

Resolution Request : In light of these circumstances, I am seeking the following resolutions from Innovis : Immediate and Comprehensive Audit : An urgent review and correction of all inaccuracies and unauthorized transactions on my credit report since XX/XX/XXXX, taking into account my period of medical XXXX. 

XXXX XXXX : A request for compensation of at least XXXX XXXX dollars for the damages suffered due to these report inaccuracies, reflecting both the financial losses and the emotional distress experienced. 

Systemic Reforms : I advocate for Innovis to implement a more accessible and accommodating dispute resolution process, with specific provisions for consumers with mental health challenges. Additionally, improvements in communication and record-keeping practices are necessary to ensure that consumer disputes are handled efficiently and empathetically.

Consumer Education and Support : The development of resources to assist consumers, especially those facing significant stress or health challenges, in navigating their credit disputes, ensuring they have the knowledge and support needed to advocate for their rights effectively. 

Conclusion : My experience with Innovis highlights a critical need for systemic change to ensure that all consumers, particularly those with health-related vulnerabilities, are treated fairly and with compassion. I urge the CFPB to assist in facilitating these necessary corrections and compensations and to encourage Innovis to adopt practices that better support consumer rights and well-being. 


Thank you for your attention to this matter. I look forward to a prompt and constructive response. 

Sincerely, XXXX XXXX