Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
Complaint summary ( what happened ) I am filing a complaint about inaccurate and identity-theftrelated information in my consumer reports, and the failure of multiple credit reporting agencies ( CRAs ) and furnishers to investigate and correct these issues per the Fair Credit Reporting Act ( FCRA ). 

I was impacted by multiple large data breaches ( e.g., XXXX  XXXX ; XXXX  XXXX ; XXXX XXXX ). Since then, my reports show mixed-file errors, conflicting tradeline data across bureaus, unauthorized hard inquiries, and items that were deleted but later reinserted without proper notice. Despite prior disputes ( by mail and via online portals ) and submission of an FTC Identity Theft Report and police report, I have not received a complete Method of Verification ( MOV ) or full corrections. 

Companies involved Primary CRAs ( reporting errors and reinvestigation failures ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX, XXXX Secondary/alternative CRAs ( security freeze/opt-out + accuracy ) : Innovis  XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers referenced below include ( examples ) : XXXX  XXXX, XXXX XXXXXXXX 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, U.S. Dept . of Education, XXXX XXXX XXXX and others. 

Whats wrong and why its a problem Identity-theft & data-breach exposure My identifiers were exposed in several breaches. Since then Ive seen identity-theft indicators : address/SSN variants not belonging to me, authorized-user accounts reported as primary, contradictory payment strings vs. status codes, and unauthorized hard pulls. 

Cross-bureau inconsistencies ( maximum accuracy not assured ) The same tradelines show different statuses, balances, limits, past-due amounts, payment histories, and last-updated dates across XXXX, XXXX, and XXXX. This fails the maximum possible accuracy requirement and harms credit decisions. 

Examples ( abbreviated ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report Open with {$300.00} limit ; XXXX  reports Derogatory with {$0.00} limit ; balances/past-due differ ; payment strings dont match. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open with late-30 ; XXXX Derogatory and High Credit {$0.00} ( others {$1100.00} ). 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Past-due {$1100.00} XXXX XXXX XXXX vs {$470.00} XXXX XXXX XXXX  ; XXXX vs XXXX ; terms and activity dates conflict. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows continuous charge-off months while XXXX  shows largely OK then XXXX ; XXXX also shows {$0.00} limit on a revolving account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid/paid-collection vs XXXX Late-120/collection after payment. 

Preferred Credit ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows continuous CO while XXXX shows many OK months in the same periods. 

US Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$2700.00} vs XXXX  {$2800.00} ; XXXX missing. 

XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows one version ; XXXX show another with different product/status ( CO vs Late-120 ) and mismatched strings/dates. 

Late-payment strings & coding defects Several tradelines show XXXX markers without complete monthly strings, or they pair OK histories with charge-off/collection statuses. This is misleadingespecially with identity-theft at issue. 

Unauthorized / identity-theft hard inquiries I did not authorize the following hard pulls and did not apply for credit with these entities on these dates : XXXX  XXXX ( XX/XX/XXXX ) on all three bureaus XXXX XXXX XXXX XXXX XXXX Bank of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Card ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Card ( XX/XX/XXXX ) XXXX  & XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  For any retained inquiry, I requested full MOV : permissible-purpose code, furnisher contact, signed application or valid e-signature with timestamp and IP/device logs, member codes, and whether verification was manual or automated. I received no complete MOV. 

Improper reinsertion without notice Items previously deleted reappeared without furnisher certification and without the required 5-day written notice. 

Failure to provide complete MOV and source data The CRAs have not provided complete MOV or the records relied upon ( including furnisher member codes and original creditor documents ), despite repeated, timely requests. 

Laws and rights involved ( for CFPB triage ) 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681i Reinvestigation ; MOV duties 1681i ( a ) ( 5 ) ( B ) Duties on reinsertion 1681g ( a ) ( 2 ) Source information disclosures 1681c-2 Identity-theft blocking ( and related 605B references ) 604 ( 1681b ) Permissible purposes for inquiries What Ive already done Filed disputes with each CRA ( mail + online ), enclosing ID, proof of address, FTC Identity Theft Report , and police report. 

Requested complete MOV and blocking of identity-theft items. 

Asked secondary/alternative CRAs to place security freezes and permanent opt-outs. 

I either received incomplete responses, meets FCRA boilerplate, or no corrections.

Company response to consumer: Closed with non-monetary relief