Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Case Summary : Bankruptcy Reporting Violations Involving XXXX XXXX XXXX XXXX XXXX - XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX, XXXX XXXX TX - XXXX : XXXX XXXX - **Phone Number : ** XXXX - **Bankruptcy Case : ** Filed in the U.S. Bankruptcy Court, Northern District of Texas XXXX XXXX Division XXXX XXXX XXXX XXXX ** XXXX XXXX XXXXXXXX XXXX ; specify as applicable ] - **Location of Filing : ** XXXX, TX XXXX XXXX XXXX **Issues of Concern** On XXXX XXXX, XXXX, I sent a letter to the U.S. Bankruptcy Court in XXXX, Texas, requesting verification regarding the release or reporting of my personal information to any credit bureaus or third parties. I sought clarity on whether any personal data had been disclosed, and if so, to provide details on the nature of that information and the entities involved. 

# # # **Bankruptcy Court Letter** I received a response from the bankruptcy court stating that they **do not release any personal information to credit bureaus**. This indicates that any bankruptcy-related data that has been reported to the bureaus is inaccurate and unauthorized. According to **15 U.S.C . 1681c ( a ) ( 1 ) **, the credit bureaus are prohibited from reporting any information related to bankruptcies older than XXXX years. Therefore, any bankruptcy information disclosed by the credit bureaus without my consent must be removed immediately. 

# # # **Violations** - **Unauthorized Reporting : ** Bankruptcy information associated with my profile has been illegally obtained, sold, and reported to various credit bureaus without my consent. 

- **Privacy Violations : ** The unauthorized disclosure of bankruptcy details infringes upon my rights under the **Fair Credit Reporting Act ( FCRA ) ** ( 15 U.S.C. 1681 ) and **15 U.S.C. 6802** ( Gramm-Leach-Bliley Act ), which prohibits sharing personal financial information without consent. 

- **Failure to Provide XXXX Form : ** If debts were discharged in bankruptcy, creditors were required to issue a XXXX form for any canceled debt. Failure to provide this documentation constitutes a violation of tax reporting obligations. 

# # # **Penalties and Accountability** Entities involved in the unauthorized reporting and sharing of my bankruptcy information could face several penalties, including : - **Civil Penalties : ** Under the FCRA, individuals may be entitled to damages for violations, including compensation for actual damages, statutory damages, and legal fees. 
- **Regulatory Actions : ** Agencies like the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission ( FTC ) can impose fines and corrective measures on creditors and credit bureaus that violate consumer rights. 
- **Legal Action : ** I reserve the right to pursue legal action against any party that has contributed to the unauthorized disclosure of my personal bankruptcy information. 

# # # **Resolution Request** I request the following actions to be taken immediately : 1. **Immediate Removal : ** All unauthorized and inaccurate bankruptcy information must be removed from credit reports held by all reporting agencies. 
2. **Restoration of My Credit Score : ** My credit score should be restored to reflect my true creditworthiness, ideally to XXXX. 
3. **Access to My Credit Reports : ** I should be granted free access to my full three-bureau credit report moving forward to ensure accuracy and prevent unauthorized reporting. 
4. **Prohibition Against Re-Reporting : ** No party may re-report or update any of the information regarding the accounts in question moving forward under any circumstances. 
5. **Compensation for Harm Done : ** I expect to receive compensation for the harm done to my creditworthiness due to these violations. 

# # # **Conclusion** The violations of my consumer rights regarding the unauthorized reporting of bankruptcy information are serious and warrant immediate action. I demand that all entities involved rectify these issues and remove all inaccurate information without delay. 

**Contact Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation