Consumer complaint received 2025-08-02 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: MN

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis and XXXX for persistent and repeated violations of federal law. Over thirty ( 30 ) days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal lawsconstituting further violations. Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30day timeframe. FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. 15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe. GrammLeachBliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information. 18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data. 15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. XXXX Violations : Noncompliance with established industry reporting standards. Minnesota Uniform Deceptive Trade Practices Act ( MUDTPA ), Minn. Stat. 325D.4348 : Minnesota law prohibits unfair or deceptive trade practices, including deceptive credit reporting or mishandling of consumer data ( [ e.g. Minn. Stat. 325D.44 ] ) Minnesota Identity Theft Statute, Minn. Stat. 609.527 : Illegal possession, use, or transfer of personal identifying information with intent to commit fraud or obtain credit or services under false identity geraldmillerlawyer.com FDCPA XXXX XXXX. XXXX ( b ) : Failure to respond to validation requests within 30 days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. 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 GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations MN Law : Minn. Stat . 325F.69, 325D.44 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 2. XXXX Account Number : XXXX Violations : Same violations as listed above Additional : Improper reinsertion and refusal to validate after dispute DEMAND : Immediate deletion and blocking under FCRA 1681c-2. Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. Immediate deletion of all unauthorized hard inquiries. Correction of all inaccurate personal information, including addresses, employers, and names. Provision of updated credit reports from all three bureaus confirming these corrections. Implementation of statutory identity theft protections, including fraud alerts. Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief