Consumer complaint received 2025-06-16 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: IL

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 XXXX  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 : XXXX XXXX. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX XXXX. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information XXXX XXXX. XXXX : Identity theft and misuse of personal data XXXX XXXX. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards Illinois XXXX XXXX and Deceptive Business Practices Act ( XXXX ILCS XXXX et seq. ) : Unfair or deceptive business and reporting practices Illinois XXXX XXXX XXXX XXXX ( XXXX ILCS XXXX et seq. ) : Failure to properly safeguard and handle personal information in identity theft cases XXXX and XXXX Accounts to Be Removed XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) XXXX  : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting XXXX violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX MISSOURI ) Account Number : XXXX 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 : Reporting XXXX violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX & XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX XXXXccount 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX  XXXX XXXX  N.A. ) 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting XXXX violations IL XXXX : XXXX XXXX  XXXX, XXXX, XXXX DEMAND : Immediate removal of late payments under FCRA XXXX Fraudulent Inquiries to Remove XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief from the CFPB : Enforce immediate removal and blocking XXXX all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
XXXX or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security XXXX 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 XXXX, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief