Consumer complaint received 2025-07-08 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 ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools XXXX Violations : Noncompliance with established industry reporting standards Nevada Deceptive Trade Practices Act ( NDTPA ), NRS 598.0903 598.0999 : Violations relating to identity theft, deceptive reporting, and failure to protect consumer rights Nevada Identity Theft Law, NRS 205.463 205.4657 : Criminal identity theft violations 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 : XXXX. XXXX XXXX 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 XXXX XXXX  : Reporting format violations Nevada Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( 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 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 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 CARD 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 : 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 XXXXeporting 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 XXXX ( ORIGINAL CREDITOR : XXXX XXXX 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 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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. XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 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. 
XXXXXXXX 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  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. 
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 XXXX XXXXporting 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 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. 
XXXX. XXXX Account 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 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 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 ( XXXX 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  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 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 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. 
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  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. 
XXXX. XXXX MTR 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 ( XXXX XXXX XXXX XXXX : Reporting format violations Nevada Law : NRS 598.0915 ( 15 ), NRS 598.0923 ( 2 ), NRS 598.0923 ( 3 ) DEMAND : Immediate removal and permanent blocking OF ALL LATE PAYMENTS pursuant to 15 U.S.C. 1681c-2 and 1681i ( a ) ( 1 ) ( A ). 
Fraudulent Inquiries to Remove Entities : 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 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