Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) 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 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / XXXX  Violations : Noncompliance with industry reporting standards XXXX XXXX XXXX  ( XXXX ) : Violations related to identity theft and consumer fraud Fraudulent Accounts and Specific Violations XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA 15 U.S.C. 1681 FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) Gramm-Leach-Bliley Act Identity Theft ( 18 U.S.C. 1028 ) FTC Requirements ( 15 U.S.C. 1681g ( e ) ) Nevada Law ; XXXX XXXX & XXXX  Guidelines Request : Immediate removal and permanent blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Same violations and request as above. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Same violations and request as above. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Same violations and request as above. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Same violations and request as above. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Same violations and request as above. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Same violations as above Request : XXXX removal of all late payments. 

XXXX XXXX Account Number : XXXX * * * * Same violations as above Request : Immediate removal of all late payments. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Same violations as above Request : Immediate removal of all late payments. 

Fraudulent Inquiries ( Not Associated with Me ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others Request : Please remove these inquiries from my file. 

Incorrect Addresses ( Not Associated with Me ) XXXX XXXX XXXX, XXXX XXXX, NV XXXX Request : Please remove this address from my file. 

Incorrect Employers ( Never Affiliated With Me ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request : Please remove these employers from my file. 

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 ( addresses, employers ) Require written confirmation from Innovis and XXXX, including updated credit reports Ensure identity theft protections ( fraud alerts, recovery tools ) are implemented Initiate investigation and sanctions for failure to comply with FCRA deadlines Fine or discipline bureaus for willful neglect of legal obligations Supporting Documentation Previously Submitted : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> 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 explanation