Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Subject : Notice of Dispute Demand for Removal of All Inaccurate, Incomplete, and Unverified Accounts To Whom It May Concern, This letter serves as my formal notice of dispute regarding multiple inaccurate, incomplete, and unverifiable accounts reported on my Innovis credit report. Upon careful review, I have identified numerous errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

Additionally, I have determined that the information on my report is incomplete, does not accurately reflect my account details, and contains incorrect late payment records that must be investigated and corrected or removed immediately. 

XXXX XXXX ( Account ending in XXXX ) : Reported as a repossession and incorrectly showing late payments in 2023 even though the account was redeemed or reinstated. 
Account is listed as current with a {$0.00} balance, conflicting with reported late payments. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure accurate and consistent reporting, and 15 U.S.C. 1681i Failure to properly investigate disputes and verify information. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Listed as charge-off with a past-due balance ( {$1600.00} ). 
Lacks proper validation and payment history, making the account incomplete. 
Violation : 15 U.S.C. 1681e ( b ) Reporting incomplete and unverifiable data. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Listed as charge-off with a past-due balance ( {$11000.00} ). 
Missing proper payment history, and the last payment date ( XX/XX/year> ) conflicts with the charge-off status. 
Violation : 15 U.S.C. 1681e ( b ) Failure to ensure data completeness and accuracy. 

XXXX XXXX ( Account ending in XXXX ) : Listed as collection despite being closed on XX/XX/year>. 
Past-due balance of {$2500.00} lacks details about payment history prior to closure. 
Errors in dates and reporting timelines suggest outdated information. 
Violations : 15 U.S.C. 1681c Reporting outdated information beyond permissible time limits, and 15 U.S.C. 1681e ( b ) Failure to report complete and accurate details.

The accounts and errors listed above violate multiple provisions of the FCRA, including : 15 U.S.C. 1681i Requires a complete and thorough reinvestigation within 30 days and mandates removal of unverified or inaccurate data.

15 U.S.C. 1681e ( b ) Requires agencies to ensure maximum accuracy and completeness of reported information.

15 U.S.C. 1681c Prohibits reporting outdated or obsolete negative information beyond 7 years for most accounts. 
If these accounts are not removed and corrected within 30 days as required by law, I will pursue legal action in federal court for violations of the FCRA and seek statutory damages, punitive damages, and attorney fees for non-compliance. 

Please confirm in writing that these accounts have been removed or corrected, including the removal of all incorrect late payment history, and provide documentation verifying the actions taken. You may send your response to the address or email listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation