Consumer complaint received 2025-07-31 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:
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. Florida Criminal Statutes : Violations relating to identity theft and consumer fraud. 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 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681cXXXX. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681cXXXX. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681cXXXX. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681cXXXX. XXXX XXXX Account 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681cXXXX. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat. 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. BANKRUPTCY : XXXX  XXXX BANKRUPTCY 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 ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) This bankruptcy is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Florida law. XXXX  lists the filing date as XX/XX/XXXX, while XXXX  and XXXX  list XX/XX/XXXX, and XXXX  fails to report a closing date while the other bureaus report XX/XX/XXXX, creating inconsistent and incomplete reporting in violation of FCRA 1681e ( b ) and 1681i ( a ), which require maximum possible accuracy and proper reinvestigation of disputed information. Furthermore, all bureaus report {$0.00} for asset, liability, and exempt amounts, which is materially misleading and fails to accurately reflect the case disposition. Such discrepancies constitute furnishing information that is known, or should be known, to be inaccurate in violation of Florida Statute 559.72 ( 9 ). Because this XXXX  XXXX bankruptcy was fully discharged and closed on XX/XX/XXXX, the current reporting is obsolete, incomplete, and materially misleading, and I am demanding its immediate deletion under FCRA XXXX ( a ) and Florida Statute 559.77. Fraudulent Hard Inquiry : LC BANK Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification. Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA XXXX due to identity theft and lack of verification. Incorrect Names : 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