Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Innovis and XXXX for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards North Carolina Identity Theft Protection Act ( XXXX XXXX XXXX. XXXX to XXXX ) : Failure to protect personal identifying information and respond properly to identity theft North Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ) : Engaging in unfair or deceptive acts in commerce, including inaccurate or misleading consumer reporting Fraudulent and Inaccurate Accounts to Be Removed 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 XXXX  : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations XXXX XXXX XXXX XXXX XXXX XXXX. XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX XXXX. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations NC Law : XXXX XXXX XXXX. XXXX DEMAND : XXXX deletion and blocking under FCRA XXXX XXXX. 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 NC Law : N.C. Gen. Stat. 75-1.1 The bankruptcy entry listed under this account contains numerous violations of the Fair Credit Reporting Act ( FCRA ) and North Carolina state consumer protection laws. First, the date filed is reported inconsistently : TransUnion and Experian list it as XX/XX/XXXX, while XXXX  reports XX/XX/XXXX, in violation of FCRA XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
Additionally, the reference numbers reported across the bureaus do not match ( XXXX, XXXX, and XXXX ) XXXX violating FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates that information must be verifiable when disputed. XXXX  is also missing the closing date altogether, violating FCRA XXXX ( a ) ( XXXX ), which guarantees a consumers right to complete and accurate file disclosure. 
The court names are reported inconsistently as wellTransUnion lists " XXXX Bankruptcy XXXX, '' XXXX  lists " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  vaguely lists only " Federal '' again violating FCRA 607 ( b ) and 15 U.S. Code 1681e ( b ), which requires reasonable procedures to ensure accuracy. These inconsistencies could also point to a possible mixed file or fragmented reporting, which is a serious error under FCRA 607 ( b ).

Furthermore, this inaccurate reporting constitutes a deceptive and unfair practice under the North Carolina XXXX and Deceptive Trade Practices Act ( XXXX ), XXXX XXXX XXXX. XXXX, which prohibits misrepresentation and inaccuracy in consumer reporting. 
As a result, I am requesting that this account either be corrected to reflect fully accurate, consistent, and verifiable information across all bureaus, or be deleted entirely from my credit file in compliance with federal and state laws. 


Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations.

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief