Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
Innovis Consumer Assistance

To whom it may concern:
Below is information Ive identified on my credit report that needs to be deleted from your records immediatelyXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account #: XXXX XXXX XXXX  Account Description: Individual Individual Individual
Account Rating: Late30Days Late60Days Late30Days
Account Status: Closed Closed Closed
Account Type: Revolving Revolving Revolving
Balance Owed: XXXX XXXX XXXX
Closed Date: -- -- --
Credit Limit: XXXX XXXX XXXX  Creditor Remarks:
DISPUTE RESOLVED -
SUBSCRIBER DISAGREES
ACCOUNT DELINQUENT 60
DAYS PAST DUE DATE --
Creditor Type: XXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity: XXXX XXXX XXXX  Dispute Status: N N N
High Balance: XXXX XXXX XXXX
Last Payment: -- -- --
Last Verified: XXXX XXXX XXXX
Past Due Amount: -- -- --
Payment Amount: XXXX XXXX XXXX
Payment Frequency: -- -- --
Payment Status: Late30Days Late60Days Late30Days
Term Length: -- -- --
Loan Type: CreditCard CreditCard CreditCard
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account #: XXXX XXXX  Account Description: JointContractualLiability JointContractualLiability
Account Rating: CollectionOrChargeOff CollectionOrChargeOff
Account Status: Closed Closed
Account Type: Revolving Revolving
Balance Owed: XXXX XXXX
Closed Date: -- --
Credit Limit: XXXX XXXX
Creditor Remarks:
PROFIT AND LOSS
WRITEOFF
UNPAID BALANCE REPORTED
AS A LOSS BY CREDIT
GRANTOR
Creditor Type: Finance Finance
Date Opened: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Innovis Consumer AssistanceXXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX
Page 2 of 7
AccounXXXX XXXX XXXX XXXX  Account Description: Individual Individual
Account Rating: AsAgreed AsAgreed
Account Status: Open Open
Account Type: Revolving Revolving
Balance Owed: XXXX XXXX  Closed Date: -- --
Credit Limit: XXXX XXXX
Creditor Remarks:
DISPUTE RESOLVED
REPORTED BY GRANTOR
CURRENT ACCOUNT/WAS
30 DAYS PAST DUE DATE
Creditor Type: Banking Banking
Date Opened: XXXX XXXX
Date Reported: XXXX XXXX
Date of Last Activity: XXXX XXXX
Dispute Status: N N
High Balance: XXXX XXXX
Last Payment: -- --
Last Verified: XXXX XXXX
Past Due Amount: -- --
Payment Amount: XXXX XXXX
Payment Frequency: -- --
Payment Status: AsAgreed AsAgreed
Term Length: -- --
Loan Type: CreditCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description: Individual Individual Individual
Account Rating: Late30Days Late60Days Late30Days
Account Status: Closed Closed Closed
Account Type: Revolving Revolving Revolving
Balance Owed: XXXX XXXX XXXX
Closed Date: -- -- --
Credit Limit: XXXX XXXX XXXX  Creditor Remarks:
DISPUTE RESOLVED -
SUBSCRIBER DISAGREES
ACCOUNT DELINQUENT 60
DAYS PAST DUE DATE --
Creditor Type: FinancXXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX  Date Reported: XXXX XXXX XXXX
Date of Last Activity: XXXX XXXX XXXX
Dispute Status: N N N
High Balance: XXXX XXXX XXXX
Last Payment: -- -- --
Last Verified: XXXX XXXX XXXX
Past Due Amount: -- -- --
Payment Amount: XXXX XXXX XXXX  Payment Frequency: -- -- --
Payment Status: Late30Days Late60Days Late30Days
Term Length: -- -- --
Loan Type: CreditCard CreditCard CreditCard
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account Description: JointContractualLiability JointContractualLiability
Account Rating: CollectionOrChargeOff CollectionOrChargeOff
Account Status: Closed Closed
Account Type: Revolving Revolving
Balance Owed: XXXX XXXX  Closed Date: -- --
Credit Limit: XXXX XXXX
Creditor Remarks:
PROFIT AND LOSS
WRITEOFF
UNPAID BALANCE REPORTED
AS A LOSS BY CREDIT
GRANTOR
Creditor Type: Finance Finance
Date Opened: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX
Page 1 of 7
Date Reported: XXXX XXXX
Date of Last Activity: XXXX XXXX  Dispute Status: N N
High Balance: XXXX --
Last Payment: -- --
Last Verified: XXXX XXXXXXXX
Past Due Amount: -- --
Payment Amount: $0.00 --
Payment Frequency: -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- --
Loan Type: CreditCard CreditCard
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description: Individual
Account Rating: AsAgreed
Account Status: Open
Account Type: Revolving
Balance Owed: XXXX
Closed Date: --
Credit Limit: XXXX  Creditor Remarks:
CONSUMER DISPUTES -
REINVESTIGATION IN
PROGRESS
Creditor Type: XXXX  Date Opened: XXXX  Date ReportedXXXX XXXX
Date of Last Activity: XXXX  Dispute Status: Y
High Balance: XXXX
Last Payment: --
Last Verified: XXXX
Past Due Amount: --
Payment Amount: XXXX
Payment Frequency: --
Payment Status: AsAgreed
Term Length: --
Loan Type: CreditCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Innovis Consumer Assistance
XXXX XXXX XXXX XXXX XXXX XXXX  Page 2 of 7
Account #: XXXX XXXX  Account Description: Individual Individual
Account Rating: AsAgreed AsAgreed
Account Status: Open Open
Account Type: Revolving Revolving
Balance Owed: XXXX XXXX
Closed Date: -- --
Credit Limit: XXXX XXXX
Creditor Remarks:
DISPUTE RESOLVED
REPORTED BY GRANTOR
CURRENT ACCOUNT/WAS
30 DAYS PAST DUE DATE
Creditor Type: Banking Banking
Date Opened: XXXX XXXX  Date Reported: XXXX XXXX
Date of Last Activity: XXXX XXXX
Dispute Status: N N
High Balance: XXXX XXXX
Last Payment: -- --
Last Verified: XXXX XXXX
Past Due Amount: -- --
Payment Amount: XXXX XXXX
Payment Frequency: -- --
Payment Status: AsAgreed AsAgreed
Term Length: -- --
Loan Type: CreditCard CreditCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description: Individual
Account Rating: AsAgreed
Account Status: Closed
Account Type: Revolving
Balance Owed: XXXX
Closed Date: --
Credit Limit: XXXX
Creditor Remarks:
ACCOUNT CLOSED BY
CREDIT GRANTOR
Creditor Type: Finance
Date Opened: XXXX  Date ReportedXXXX XXXX
Date of Last Activity: XXXX  Dispute Status: N
High Balance: XXXX
Last Payment: -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Innovis Consumer Assistance
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past Due Amount: --
Payment Amount: XXXX
Payment Frequency: --
Payment Status: AsAgreed
Term Length: --
Loan Type: --
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description: Individual Individual
Account Rating: AsAgreed TooNew
Account Status: Closed Closed
Account Type: Installment Installment
Balance Owed: XXXX XXXX
Closed Date: -- --
Credit LimiXXXX XXXX XXXX  Creditor Remarks: CLOSED --
Creditor Type: Banking Banking
Date Opened: XXXX XXXX
Date Reported: XXXX XXXX
Date of Last Activity: XXXX XXXX
Dispute Status: N N
High Balance: XXXX XXXX
Last Payment: -- --
Last Verified: XXXX XXXX
Past Due Amount: -- --
Payment Amount: $0.00 --
Payment Frequency: -- --
Payment Status: AsAgreed TooNew
Term Length: -- --
Loan Type: -- --
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account Description: Individual Individual Individual
Account Rating: AsAgreed AsAgreed AsAgreed
Account Status: Closed Closed Closed
Account Type: Installment Installment Installment
Balance Owed: XXXX XXXX XXXX  Closed Date: -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Innovis Consumer Assistance
XXXX XXXX XXXX XXXX XXXX XXXX
Page 4 of 7
Credit Limit: XXXX -- --
Creditor Remarks: CLOSED -- FIXED RATE
Creditor Type: Banking Banking Banking
Date OpenedXXXX XXXX XXXX XXXX  Date Reported: XXXX XXXX XXXX
Date of Last Activity: XXXX XXXX XXXX  Dispute Status: N N N
High Balance: XXXX XXXX XXXX  Last Payment: -- -- --
Last Verified: XXXX XXXX XXXX  Past Due Amount: -- -- --
Payment Amount: XXXX XXXX XXXX
Payment Frequency: -- -- --
Payment Status: AsAgreed AsAgreed AsAgreed
Term Length: -- 24 --
Loan Type: Secured Secured Secured
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [15 USC
1681e] (b), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure
maximum possible accuracy of the information concerning the individual to whom the report relates.
You are in violation of the FCRA, [15 USC 1681b] (a)(2): (a) In general. Subject to subsection (c), any consumer reporting agency
may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the
consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and
confidential records and certainly not the information you're reporting.
My rights were violated, especially my right to privacy, according to [15 USC 1681] (a)(4) There is a need to ensure that consumer
reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so
will require that I take appropriate legal action.
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft,
according to [18 USC 1028A] (a)(1). You have knowingly transferred, possessed, and used, without lawful authority, a means of
identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681(n) civil liability, and I demand compensation for every
violation listed below;
1 Permissible purpose $1000
2 Defamation of character XXXX  3 Damaged reputation XXXX
4 Damaged credit worthiness XXXX
5 Damaged mode of living XXXX
6
Infringed on right to privacy XXXX
Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my
consumer report and all your systems.
Sincerely
XXXX XXXX

Company response to consumer: Closed with explanation