Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( XXXX  ) to immediately take enforcement action against Innovis and XXXX for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( XXXX  ) and related federal laws. This delay constitutes additional violations. 
Violations Committed : XXXX U.S.C. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX U.S.C. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX U.S.C. XXXX ) : Failure to safeguard consumer information XXXX U.S.C. XXXX : Identity theft and misuse of personal data XXXX U.S.C. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards Illinois XXXX XXXX Violations : Violations of the Illinois Identity Theft Enforcement Act ( XXXX ILCS XXXX ) and the Illinois Consumer XXXX and Deceptive Business Practices Act ( XXXX ILCS XXXX et seq. ), which prohibit deceptive business practices and protect against identity theft and fraudulent reporting. 

Fraudulent and Inaccurate Accounts to Be Removed : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX * * Laws Violated : XXXX U.S.C. XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account XXXX : XXXX * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request immediate removal of all late payments. 
XXXX Account XXXX : XXXX * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX U.S.C. XXXX, XXXX Compliance Violations Request : I request immediate removal of all late payments. 
Additional Fraudulent Inquiries The following unauthorized inquiries must be removed immediately : XXXX, XXXX, XXXX OF IL # XXXX, XXXX CARD, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX A FEDERAL SAVINGS XXXX, XXXX, XXXX, LL, XXXX, XXXX  INSTALLMENT, XXXX XXXX. BEST B, and others. 

Incorrect Addresses Please remove the following addresses, which are not associated with me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL Incorrect Employers The following employer entries are inaccurate and should be removed : XXXX UNITED STATES XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief