Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
This complaint is filed due to extensive violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Identity Theft and Assumption Deterrence Act, XXXX XXXX Compliance Standards XXXX and North Carolina Identity Theft Statutes by the above-named consumer reporting agencies. All XXXX bureaus have failed to prevent, detect, or remediate the fraudulent accounts and unauthorized inquiries reported under my identity. 

Despite documented disputes with attachments ( including police reports ), these agencies continue to maintain or reinsert fraudulent datathus committing gross consumer protection violations that have resulted in irreparable harm to my credit, financial standing, and personal well-being. 

XXXX. Legal Violations Committed by All Bureaus : Federal Statutes Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days 1681i ( a ) ( 6 ) : Failure to reinvestigate after unsatisfactory resolution 1681g : Failure to provide full file disclosure 1681g ( e ) : Failure to provide identity theft victim resources 1681c-2 : Failure to block identity theft-related data upon notice Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g 1692g ( a ) : No debt validation within 5 days of reporting 1692g ( b ) : Continued reporting without verification Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 Data protection failures in maintaining security and privacy of my consumer file Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Identity misuse leading to criminal and civil exposure without consumer redress XXXX XXXX Reporting Standards Inconsistent, outdated, and reinserted data violating industry standards for credit reporting integrity State Law Violations North Carolina XXXX XXXX XXXX XXXX These fraudulent accounts constitute felony identity theft and civil violations under state protections XXXX. Fraudulent Accounts Across All Bureaus : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681, 607 ( b ), 611 ( a ) ; FDCPA 1692g ; XXXX XXXX Compliance Action Requested : Permanent deletion and blocking from all systems XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681, 607 ( b ), 611 ( a ) ; XXXX XXXX Action Requested XXXX Full deletion of all derogatory data and correction of credit file XXXX. Unauthorized Inquiries ( Identified Across All Reports ) : These inquiries were made without my authorization, consent, or knowledge, and must be treated as fraudulent under the FCRA and GLBA : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remedy and Enforcement Requested from CFPB : XXXX. Complete Removal and Permanent Blocking Enforce the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries under FCRA 1681c-2 and Metro 2 obligations. 

XXXX. Written Confirmation and Credit Report Corrections Require all five bureaus to issue a signed, written confirmation of removal and provide corrected credit reports within 14 days. 

XXXX. Identity Theft Redress and Protection Mandate full implementation of identity theft alerts, fraud flags, security freezes, and support tools per FCRA 605A and GLBA mandates. 

XXXX. Bureau Investigations and Penalties Request formal regulatory investigations of the reporting systems at XXXX XXXX XXXX Innovis, and XXXX for systemic XXXX XXXX reporting noncompliance and repeated reinsertion of removed items. 

XXXX. Documents Provided : Government-issued identification Social Security card Police reports proving identity theft Utility bill as proof of address Copies of all dispute letters sent to each bureau XXXX XXXX Final Statement and Declaration : I, XXXX XXXX XXXX, submit this formal complaint under penalty of perjury and with complete supporting documentation. My rights as a consumer have been repeatedly violated by all named credit reporting agencies, and I respectfully request the Consumer Financial Protection Bureau to intervene and enforce all applicable provisions of federal and state law. 

Signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation