Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am formally disputing fraudulent and inaccurate information currently reported on my credit file with Innovis. I have verified that these accounts do not appear on XXXX, XXXX, or XXXX, yet they are still listed under my Innovis report. These accounts were opened without my knowledge or consent, constituting identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information in my credit report. Additionally, creditors are required to validate debts within XXXX days of reporting them, which has not been done. This failure to comply violates federal consumer protection laws. 

Key Issues and Legal Violations : Failure to Notify : Creditors must provide written notification of debts within XXXX days per 15 U.S.C. 1692g, which did not occur. 
Failure to Ensure Accuracy : The FCRA 607 ( b ) requires credit bureaus to ensure maximum accuracy. The presence of false information violates this statute.

Failure to Investigate : Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. I have disputed these accounts multiple times without resolution.

Failure to Reinvestigate : Per FCRA 611 ( a ) ( 6 ), if a dispute remains unresolved, credit bureaus must reinvestigate upon request. My requests have been ignored. 
Failure to Safeguard Personal Information : The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) mandates data protection. These accounts indicate a breach of security. 
Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft. Reporting fraudulent accounts without proper validation violates this law.

Failure to Provide Identity Theft Resources : Under 15 U.S.C. 1681g ( e ), credit bureaus must assist identity theft victims, including implementing fraud alerts. This has not been done.

State Law Violations : Florida statutes criminalize identity theft and mandate consumer protections, which have been ignored.

Fraudulent Accounts and Information on My Credit Report : Fraudulent Account : XXXX XXXX XXXX - Account # ... XXXX ( This account does not belong to me and was opened fraudulently. ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Employer : XXXX XXXX Demands for Resolution : Immediate Removal : Delete and block all fraudulent accounts, inquiries, and personal information from my credit report. 
Written Confirmation : Provide a formal response confirming the removal, along with an updated copy of my credit report. 
XXXX XXXX XXXX : Implement fraud alerts and provide me with all identity theft protection resources as required by law. 
Investigation and Accountability : XXXX a full investigation into how these fraudulent accounts were added and provide me with a written report of your findings. 
Enclosures to Support My Dispute : Copy of my government-issued ID Copy of my Social Security card Police reports related to identity theft Proof of my current address Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief