Consumer complaint received 2025-04-17 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 ( XX/XX/XXXX ), and these consumer reporting agencies failed to comply with their statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. Their failure to investigate, correct, and communicate their findings constitutes further 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 15 U.S.C. 68016809 ( Gramm-Leach-Bliley Act ) : 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 ) XXXX / CDIA Guidelines : Failure to comply with industry-standard data reporting requirements Florida Statutes ( Identity Theft and Consumer Fraud ) : Multiple violations under state law Fraudulent and Inaccurate Accounts to Be Removed XXXX. XXXX XXXX XXXX  Account Number : XXXX Violations : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), 611 ( a ), XXXX violations Request : Immediate removal and permanent blocking of this account from Innovis and XXXX. 

XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Violations : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), XXXX violations Request : Immediate removal and permanent blocking of this account from Innovis and XXXX. 

XXXX. XXXX XXXX Account Numbers : XXXX and XXXX Violations : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), XXXX violations Request : Immediate removal and blocking of these accounts. 

XXXX. XXXX Account Numbers : XXXX & XXXX Violations : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), XXXX violations Request : Immediate removal and blocking of these accounts. 

XXXX. XXXX XXXX  Account Number : XXXX Violations : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ), XXXX violations Request : Immediate removal of all late payments and correction or deletion of this account. 

Unauthorized Hard Inquiries to Be Deleted Immediately XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer XXXX XXXX XXXX XXXX XXXX XXXX Other unauthorized inquiries not listed but found on my report Request : Immediate deletion of all inquiries that were not authorized by me. 

Inaccurate Personal Information to Be Corrected Incorrect Addresses to Be Deleted : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal and permanent blocking of all fraudulent accounts listed above. 

Compel deletion of all unauthorized hard inquiries. 

Mandate removal of inaccurate personal information, including false addresses and employers. 

Require written confirmation and updated reports from both Innovis and XXXX. 

Ensure that identity theft protections ( e.g., fraud alerts, extended fraud protections ) are implemented. 

Investigate and sanction Innovis and XXXX for their failure to meet FCRA deadlines and procedural requirements. 

Fine or discipline these agencies for willful disregard of their legal obligations. 

Supporting Documentation Previously Submitted to Innovis and XXXX : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX 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 all damaging, false, and fraudulent information from my credit reports maintained by Innovis and XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief