Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and Innovis for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 
Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.

FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools.

Metro2/CDIA Violations : Noncompliance with established industry reporting standards.

Florida Criminal Statutes : Violations relating to identity theft and consumer fraud.

FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. 
Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Michigan Consumer Protection Act ( MCPA ) MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ) Michigan Collection Practices Act MCL 445.252 ( e ), MCL 445.252 ( f ) Michigan Identity Theft Protection Act MCL 445.65, MCL 445.67 DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, MCL 445.903 ( 1 ) ( n ), MCL 445.903 ( 1 ) ( s ), MCL 445.903 ( 1 ) ( cc ), MCL 445.252 ( e ), MCL 445.252 ( f ), and MCL 445.65, MCL 445.67 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
NATYCRSYS ( ORIGINAL CREDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and XXXX violations Michigan XXXX XXXX XXXX XXXX XXXX ) MCL XXXX XXXX XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection Practices Act XXXX XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity Theft Protection XXXX MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcount Number : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
XXXX XXXX XXXX XXXXmber : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX and accuracy violations Michigan XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ) Michigan Collection XXXX Act MCL XXXX ( XXXX ), MCL XXXX ( f ) Michigan Identity XXXX Protection Act MCL XXXX, MCL XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Michigan law. 
Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX : Immediate removal of these unauthorized inquiries under FCRA XXXX, XXXX, XXXX XXXX a ), Michigan XXXX XXXX XXXX ( XXXX ) MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), Michigan Collection Practices Act MCL XXXX ( XXXX XXXX, MCL XXXX ( f ), and Michigan Identity Theft Protection Act MCL XXXX, XXXX XXXX due to lack of permissible purpose, absence of written authorization, and violation of consumer protection laws. Provide full documentation of permissible purpose and signed consumer consent for each inquiry. 


Unfamiliar or Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion of these inaccurate addresses under FCRA XXXX XXXX b ), XXXX ( a ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX as they constitute false and misleading information, harming the accuracy and integrity of my credit file. 

Incorrect Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Demand : Immediate correction or removal of this employer information under FCRA XXXX ( b ), XXXX ( a ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX for reporting inaccurate employment details without verification or consent. 


Incorrect Names : XXXX XXXX Demand : Immediate removal of these incorrect names under FCRA XXXX ( b ), XXXX ( a ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( XXXX ), MCL XXXX ( XXXX ) ( cc ), MCL XXXX ( XXXX ), MCL XXXX ( f ), and MCL XXXX, MCL XXXX as they are materially inaccurate and could cause identity confusion or fraudulent association. 
Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Immediate deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information, including addresses, employers, and names.

Provision of updated credit reports from all three bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations.

Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief