Consumer complaint received 2025-11-14 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:
Innovis Data Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Subject : Formal FCRA Dispute Identity Theft, Reinsertion, and Reporting Violations Dear Innovis Dispute Department , I am writing to formally dispute multiple accounts appearing on my Innovis credit report dated XX/XX/XXXX that are either the result of identity theft or contain reporting inaccuracies. 
I have provided Innovis with proper identity theft documentation since XXXX, yet fraudulent accounts remain on file or have been reinserted without notice, which constitutes a violation of FCRA 605B and 611 ( a ) ( 5 ) ( B ) ( C ). 
Disputed and Error Accounts Fraudulent Accounts ( Identity Theft ) XXXX. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX  Balance {$730.00} Charged Off Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Balance {$26000.00} Charged Off Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  Balance {$11000.00} Charged Off Opened XX/XX/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 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  These accounts are fraudulent and were not authorized by me. Innovis has failed to permanently delete or block them despite previous identity theft disputes, violating 605B and 611. 
Legitimate Accounts with Reporting Errors 7. XXXX XXXX  Account XXXX. XXXXXXXX XXXX XXXX XXXX  Balance {$3200.00} Open Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX Balance {$2800.00} Open Opened XX/XX/XXXXXXXX XXXX XXXX Balances and payment history are inconsistent with other bureaus and require correction. 
9. XXXXXXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXXXXXX Balance {$710.00} Charged Off Still shows inaccurate dispute remarks post-resolution. 
10. XXXX XXXX XXXXXXXX Account XXXX. XXXXXXXX XXXX XXXXXXXX Balance {$3500.00} Charged Off Charge-off and payment dates differ from other bureaus. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Balance {$1300.00} Charged Off Incorrect delinquency and past-due information. 
12. XXXX XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX Balance {$270.00} Charged Off Still marked as Reinvestigation in Process despite prior disputes. 
Applicable FCRA Violations 605B : Failure to block identity-theft information after receipt of documentation.

611 ( a ) ( 5 ) ( B ) ( C ) : Unauthorized reinsertion without notice or certification.

607 ( b ) : Failure to maintain maximum possible accuracy.

623 ( a ) ( 2 ) : Furnishers failed to correct inaccurate data.

616617 : Civil liability for negligent or willful noncompliance. 
Requested Actions 1. Permanently delete all fraudulent XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts. 
2. Correct reporting inaccuracies for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
3. Provide written confirmation and a corrected report within 30 days, as required by 611 ( a ) ( 6 ).

4. Certify that no deleted fraudulent accounts will be reinserted without compliance with 611 ( a ) ( 5 ) ( B ) ( C ).

Continued noncompliance will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney Generals Office. 
Enclosures 1. Copy of U.S. Passport ( proof of identity ) 2. Copy of Social Security Card 3. Copy of Utility Bill / Bank Statement ( proof of address ) 4. Copy of FTC Identity Theft Report / Police Report 5. Copy of Current Innovis Credit Report ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief