Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX To : Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED AND INJURIOUS DATA Trust Property : XXXX XXXX XXXX  | SSN Ending in XXXX To Whom It May Concern : This notice is submitted on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the lawful and private holder of authority over the person and affairs of XXXX XXXX XXXX XXXX inclusive of all associated credit reports, financial accounts, and personally identifying information. XXXX XXXXXXXX XXXX XXXX XXXXXXXX under the protective oversight of this fiduciary instrument, and any unauthorized reporting or use of his identity constitutes an invasion of protected trust assets and a violation of federal law. 

Upon recent inspection of consumer data connected to Innovis and its affiliated reporting systems, it has come to our attention that multiple unauthorized and damaging accounts have been inserted into XXXX XXXX filewithout his consent, without disclosure of permissible purpose, and in violation of both the FCRA and fiduciary protections owed to the Trust.

DEMAND FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED DATA : You are hereby instructed to immediately and permanently delete the following items and any and all other entries reported to or through Innovis or any associated platform that meet any of the following conditions : Were reported without documented permissible purpose under 15 U.S.C. 1681b ; Were never authorized in writing by XXXX XXXX. XXXX or the Trust ; Are inaccurate, unverifiable, or duplicated ; Have resulted in demonstrable financial, reputational, or emotional injury to the Trust Property and its fiduciary operations. 



SPECIFICALLY IDENTIFIED ENTITIES TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX  ( Reported multiple times ; No contract exists. No permissible purpose. Unlawful data sharing. ) XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Reported Last : XX/XX/XXXX | XXXX XXXX : XXXX ( No contract. No consent. No relationship. Invasive and injurious. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone : XXXX ( Unverified debt collection/furnisher data. Unauthorized. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX | Phone : XXXXXXXX XXXX XXXX XXXXXXXX | Subscriber # XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ( Disputed previously. No legitimate consumer relationship under the Trust. Re-reporting constitutes willful injury and reinsertion in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). ) TRUST INJURY STATEMENT : As a direct result of these unauthorized and negligent disclosures : XXXX XXXX has been denied access to fair credit, The Trust has suffered reputational damage and financial harm, Private fiduciary activities have been disrupted, and XXXX XXXX XXXX security and creditworthiness have been irreparably compromised.

These facts constitute substantial injury under : 15 U.S.C. 1681n & 1681o ( actual & statutory damages ), FTC Act ( Unfair and Deceptive Practices ), and State trust and fiduciary protection statutes. 



YOU ARE HEREBY DEMANDED TO : 1. Delete ALL listed entries immediately from any Innovis file or affiliated consumer data report associated with XXXX XXXX. XXXX ; XXXX. Identify and delete any other entries furnished without permissible purpose, written authorization, or contract ; 3. Provide a full accounting and disclosure of all entities who have accessed, requested, or furnished data under XXXX XXXX XXXX name, SSN, or identifying information ; 4. Confirm in writing, within 15 business days, that all deletions have been completed and no further dissemination will occur ; 5. Issue a formal statement confirming Innoviss reinvestigation procedures under 15 U.S.C. 1681i were executed and the data found unverifiable and therefore removed.

Company response to consumer: Closed with explanation