Consumer complaint received 2025-06-24 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 formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis and XXXX 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 XXXX XXXX  : 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. 

XXXX Violations : Noncompliance with established industry reporting standards. 

Nevada Deceptive Trade Practices Act ( NRS 598.0915 ; NRS 598.0923 ) : NRS 598.0915 ( 15 ) : Knowingly misrepresenting the legal rights, obligations, or remedies of a party.

NRS 598.0923 ( 2 ) : Failing to disclose a material fact in connection with a consumer transaction.

NRS 598.0923 ( 3 ) : Violating state or federal law in the course of business.

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 : 1. DPT EDXXXX Account Number : XXXX, XXXX & 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 ) XXXX 2 : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXXXXXX XXXX XXXX XXXX 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 ) XXXX XXXX : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX Account Number : XXXX & 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 ) XXXX XXXX XXXX  Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX 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 ) XXXX XXXX : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 

XXXX. 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 ) XXXX XXXX : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 

XXXX. 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 ) XXXX XXXX XXXX Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate removal of late payments under FCRA 1681c-2 7. XXXX : 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 ) XXXX XXXX : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) This bankruptcy reporting contains multiple inconsistencies and potential violations under both federal law and Nevada Revised Statutes. First, XXXX  lists a different " Date Filed/Reported '' ( XX/XX/year> ) from XXXX  and XXXX  ( XX/XX/year> ), which is a discrepancy that may misrepresent the actual filing datepotentially violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires accurate and up-to-date reporting. Additionally, XXXX  fails to include a " Closing Date '' while XXXX and XXXX  list XX/XX/year>, which again violates FCRA XXXX ( b ) and XXXX cause undue harm by implying the bankruptcy is still open. The " Reference # '' listed on XXXX  ( XXXX ) materially differs from the ones listed by XXXX  ( XXXX ) and XXXX ( XXXX ), which constitutes inconsistent reporting and may suggest a separate or altered proceeding. Furthermore, the " Court '' listed on XXXX  is simply " Federal, '' which lacks specificity compared to " U.S. Bankruptcy Court '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' reported by XXXX  and XXXX, respectively. This vague description may mislead creditors or third parties and violate the FCRA 's requirement for clarity and completeness. Under Nevada law, specifically NRS 598C.150, any consumer reporting agency doing business in Nevada is required to adopt reasonable procedures to assure maximum possible accuracy. These reporting discrepancies also violate NRS 598C.140, which mirrors federal law and ensures a consumers right to dispute inaccurate information. The inconsistencies across bureaus and lack of proper updates and matching information demonstrate negligent reporting and failure to ensure accuracy, timeliness, and completeness in compliance with both the FCRA and Nevada consumer protection statutes. 

Unfamiliar or Incorrect Addresses XXXXXXXX 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  Incorrect Employers XXXX XXXXXXXX XXXX XXXX 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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