Consumer complaint received 2025-03-31 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 filing this complaint against Innovis for their flagrant violations of federal law in reporting the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite my disputes in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and the submission of an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, Innovis has failed to remove this account, perpetuating significant harm and violating multiple laws. 

Inaccuracies in Reporting Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as per my FTC Identity Theft Report. Innovis continues to report this account as mine, with a {$260.00} balance past due as of XX/XX/XXXX. 
Re-aging Violation : The account was closed in XX/XX/XXXX, yet Innovis reports a {$260.00} balance as past due in XX/XX/XXXX, which constitutes illegal re-aging by making the debt appear more recent. 
Incorrect Payment History : The account shows late payments ( 30, 60, 180 days ) in XXXX, which I did not make as I never opened or used this account. 
Failures in Verification Process Innovis has failed to uphold their legal obligations in the verification process : I disputed this account multiple times, yet Innovis has not removed it or provided any evidence of verification. 
Innovis has not disclosed how they verified this account with XXXX XXXX XXXX, despite my requests for this information. 
Innovis failure to block this information after receiving my FTC Identity Theft Report demonstrates a willful disregard for their duties. 
Legal Violations Innovis actions violate several federal laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Innovis failed to conduct a reasonable reinvestigation within 30 days of my disputes.

15 U.S. Code 1681i ( a ) ( 5 ) : Innovis failed to delete unverifiable information, as this account is fraudulent.

15 U.S. Code 1681i ( a ) ( 6 ) : Innovis failed to provide a description of the reinvestigation process despite my requests.

15 U.S. Code 1681c-2 : Innovis failed to block information resulting from identity theft after receiving my FTC Identity Theft Report.

15 U.S. Code 1681c : Innovis engaged in illegal re-aging by updating the balance in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. 
Fair Credit Billing Act ( FCBA ) : Innovis has failed to correct billing errors, such as the incorrect {$260.00} balance, despite my disputes.

Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect balance and re-aged status, Innovis misrepresents the terms of credit, violating TILAs requirement for accurate disclosure.

Consumer Financial Protection Act ( CFPA ) : Innovis actions constitute an unfair and deceptive practice by refusing to remove this account and engaging in re-aging.

Harm Caused Innovis negligence has caused me significant harm : My credit score has been severely impacted, limiting my access to credit and increasing borrowing costs.

I have suffered emotional distress, including anxiety and frustration, due to Innovis refusal to address this fraud. 
I have spent countless hours disputing this account, diverting time and resources from my daily life.I urge the CFPB to act swiftly to protect my rights.

Company response to consumer: Closed with non-monetary relief