Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
XXXXI am formally requesting that the Consumer Financial Protection Bureau (CFPB) immediately enforce corrective action against Innovis and LexisNexis for persistent and repeated violations of federal law. Over XXXX  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 THE BUREAUS: 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. Metro2/CDIA Violations: Noncompliance with established industry reporting standards. Colorado 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: 1. 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 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 2. XXXX  Account Number: XXXXXXXX  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 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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)  Metro 2 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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)  Metro 2 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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)  Metro 2 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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)  Metro 2 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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)  Metro 2 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate deletion and permanent blocking of this tradeline under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) & 5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103  Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Colorado law. 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 formatting and accuracy violations  Colorado Consumer Credit Reporting Act (CCCRA): Colo. Rev. Stat.  5-18-101 et seq., including  5-18-106(1), 5-18-107(1)(a)  Rosenthal Fair Debt Collection Practices Act (RFDCPA)  Cal. Civ. Code  1788.13(e), 1788.17  Colorado Fair Debt Collection Practices Act (CFDCPA): Colo. Rev. Stat.  5-16-101 et seq., including  5-16-102, 5-16-103  Colorado Consumer Protection Act (CCPA): Colo. Rev. Stat.  6-1-101 et seq., including  6-1-105(1)(a), 6-1-105(1)(b) DEMAND: Immediate removal of all late payments under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1) &  5-18-107(1)(a)), and Colorado Fair Debt Collection Practices Act (CFDCPA)  Colo. Rev. Stat.  5-16-101 et seq. due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106  Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. Additional Inaccuracies to Remove Incorrect or Unfamiliar Addresses:  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 Demand: Immediate deletion and permanent blocking of these addresses under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft and lack of verification. Incorrect Employer Listing:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand: Immediate deletion and permanent blocking of these employers under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft and lack of verification. Incorrect Name Listing:  KHALIL IBRAHIMSOBHI ALMONSHID  AL,MONSHID,KHALIL  MONSHID,KHALIL,IAL Demand: Immediate deletion and permanent blocking of these names under FCRA  1681c-2, Colorado Consumer Credit Reporting Act (CCCRA)  Colo. Rev. Stat.  5-18-106(1), and Colo. Rev. Stat.  5-18-107(1)(a) due to identity theft, lack of verification. 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