Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Final Dispute Letter to Innovis XXXX Assistance Date : XX/XX/XXXX To : Innovis XXXX Assistance XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate and Unsupported Information on Credit Report Dear Innovis Dispute Department , I am writing to formally dispute several items on my Innovis credit report that are inaccurate, unverifiable, and incomplete. Additionally, I demand an explanation as to why Innovis is reporting the following accounts when they are not being reported by Experian, another major credit reporting agency. Innovis is legally obligated to ensure the accuracy of the information it furnishes, yet it appears that Innovis is circumventing the law by reporting unverified and harmful information. 

Furthermore, the address and phone number listed on my Innovis credit reportXXXX XXXX XXXX, XXXX, TX XXXX, and ( XXXX ) XXXX incorrect and should be removed immediately. These inaccuracies are harmful and misleading. I request that they be corrected or removed immediately, as they do not reflect my current or past information. Please refer to my Experian credit report for accurate and verified details regarding my address and contact information. 

Incorrect Address and Phone Number : The address XXXX XXXX XXXX, XXXX, TX XXXX, and phone number ( XXXX ) XXXX listed on my Innovis credit report are incorrect and must be removed immediately. 
These inaccuracies are misleading and harmful. Please refer to my Experian credit report for accurate and verified information about my address and contact details. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : Innovis appears to be preoccupied with furnishing incorrect and harmful information without proper validation or verification. This lack of due diligence is a direct violation of the FCRA, which mandates that all information reported be accurate, complete, and verifiable. 
Harm Caused by Innoviss Actions : The inaccurate reporting of these accounts, as well as the incorrect address and phone number, is directly harming my credit profile, lowering my credit score, and causing financial and emotional distress. 
Innovis has a legal obligation to prevent such harm by ensuring that all reported information is correct, validated, and compliant with federal and state laws. 
Legal Precedents Supporting My Dispute The case of XXXX XXXX XXXX XXXX XXXX ( XXXX ) highlights the obligations of credit reporting agencies under 1681i ( a ) of the FCRA to conduct a reasonable reinvestigation of disputed information. The court ruled that : CRAs Must Go Beyond the Original Source : A CRA can not simply rely on the original furnisher of the information ( e.g., creditors ) when a consumer disputes the accuracy of a report. Instead, they must verify the reliability of the source and conduct a thorough reinvestigation. 
Burden of Investigation Lies with the CRA : The FCRA places the responsibility of reinvestigation squarely on the CRA, not the consumer. A reinvestigation that merely parrots information from creditors is insufficient and violates the law. 
XXXX XXXX : The court emphasized that the scope of a CRAs reinvestigation depends on factors such as : The cost of verifying the accuracy of the source versus the potential harm to the consumer. 
Whether the CRA has been alerted to the possibility that the source of the information is unreliable. 
As in the XXXX case, Innovis must ensure that its reinvestigation procedures go beyond merely confirming information with the original creditors. If Innovis fails to meet this standard, it is in violation of the FCRA and subject to legal consequences, including damages for negligent or willful noncompliance. 

Requested Actions For each of the disputed accounts and inaccuracies, I request the following actions : Provide Verification Documentation : If Innovis maintains that the accounts and contact information are accurate, I request the following documentation : Proof of debt ownership and a full chain of title for each account. 
Itemized billing statements and payment history. 
A copy of the original agreement bearing my signature. 
Verification of the date of the last payment to confirm the account is within the statute of limitations. 
Documentation verifying the source of the incorrect address and phone number. 
Remove Inaccurate and Unverifiable Information : If Innovis can not verify the accuracy of the disputed accounts, address, and phone number, they must be deleted from my credit report immediately. 
Explain Discrepancies Between Innovis and Experian : Provide a detailed explanation as to why Innovis is reporting these accounts and incorrect contact information when Experian is not. 
Confirm Deletion in Writing : If any accounts or inaccuracies are removed, I request written confirmation of the deletion. 
Legal Obligations and Next Steps Under the FCRA and other applicable laws, Innovis is required to : Ensure Accuracy and Validation : Innovis must ensure that all reported information is accurate, complete, and verifiable. 
XXXX XXXX XXXX : Reinvestigate the disputed information within 30 days and provide a detailed report of your findings. 
Comply with XXXX XXXX, E-OSCAR, and Other Standards : Innovis must comply with XXXX XXXX compliance procedures, E-OSCAR dispute resolution protocols, and other industry standards to ensure proper handling of consumer disputes. 
Failure to comply with these obligations will result in further escalation. I have already notified the following agencies of XXXX harmful and inaccurate reporting practices : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General Additionally, I reserve the right to pursue legal action for damages caused by XXXX noncompliance. 

Supporting Documentation I have enclosed the following documents to support my dispute : Copy of My Innovis Credit Report ( highlighting the disputed accounts, address, and phone number ). 
Copy of MXXXX XXXX  Credit Report ( for comparison purposes, showing the absence of these accounts and inaccuracies ).

Copy of My ID and Proof of Address ( to verify my identity ).

Final Notice If you can not verify the accuracy of these accounts, address, and phone number or provide a valid explanation for the discrepancies between Innovis and Experian within 30 days, the disputed items must be removed from my credit report immediately. Please send all correspondence and updates to the address provided below.

Company response to consumer: Closed with non-monetary relief