Consumer complaint received 2025-04-22 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 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 ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards Florida Criminal Statutes : Violations related to identity theft and consumer fraud Fraudulent Accounts and Violations : Fraudulent Accounts and Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) Account Number : XXXX * * * * Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX FIRST XXXX XXXX XXXX  ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXI ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX  Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : XXXX U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX  Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX  LLC Account Number : CLRPJRXXXXXXXXXXXXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX  XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( ORIGNAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : RXXXX XXXX XXXX XXXX ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Laws Violated : XXXX5 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), Metro2 Compliance Violations Request : I request removal and blocking of this account. 
XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request immediate removal of all late payments. 
XXXX Account Number : XXXX and XXXX Laws Violated : XXXX5 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request immediate removal of all late payments. 
XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request immediate removal of all late payments. 
XXXX XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request immediate removal of all late payments. 
XXXX XXXX Account Number : XXXX Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), 15 U.S.C. 1692g, Metro2 Compliance Violations Request : I request immediate removal of all late payments. 
Additional Fraudulent Inquiries The following unauthorized inquiries must be removed immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others XXXX 
Incorrect Addresses Please remove the following addresses, which are not associated with me : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL Incorrect Employers The following employer entries are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Innovis and XXXX, 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/year> 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