Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Name : XXXX XXXX XXXX Address Line : XXXX XXXX XXXX XXXX, NJ XXXX Document Date : XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION Please accept this formal letter as my first request XXXX investigate XXXX remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe XXXX  be inaccurate data, which I dispute, XXXX this letter is an appeal for your assistance. As a consumer reporting agency XXXX XXXX. $ XXXX ( f ), you are governed by the Fair Credit Reporting Act ( XXXX '' ). XXXX XXXX. 
XXXX, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility XXXX ensure that all information contained within consumer files is accurate XXXX free from errors. Your company is regularly engaged in the business of assembling, evaluating, XXXX  disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in XXXX XXXX. {$1600.00} ( d ), XXXX third parties. 
According XXXX federal law, you are required XXXX  comply with the requirements imposed under the FCRA, XXXX XXXX. XXXX et seq., including but not limited XXXX : XXXX ) follow reasonable procedures XXXX assure maximum possible accuracy of the information in the consumer report, as required by XXXX XXXX. XXXX ( b ). This section imposes a high XXXX  often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at * XXXX ( E.D XXXX XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of XXXX ( b ), XXXX explaining that " assure ' means XXXX make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' XXXX 'possible ' means something falling within the bounds of what XXXX be done, occur or be conceived. '' ( quoting XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by XXXX XXXX. XXXX ; XXXX ) should not provide consumer files XXXX companies without determining that these companies had a permissible purpose XXXX obtain consumer files pursuant XXXX XXXX XXXX. XXXX ; XXXX ) provide consumer file pursuant to XXXX XXXX. XXXX ; XXXX ) et seq. 
Accordingly, I request your company XXXX  provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my consumer report. See. Exhibit A. 
Upon completion of your investigation, please send a detailed description of the procedures used XXXX determine the accuracy of the accounts/items XXXX am disputing, as well as the name XXXX  contact information of the agent conducting the said investigation in case further communication is necessary. 
I know that your company will need some sort of verification XXXX prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX NJ XXXX PHONE NUMBER : XXXX EMAIL : XXXX XXXX

Company response to consumer: Closed with explanation