Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Here 's your revised letter with all Nevada state laws replaced with applicable Texas statutes, including references to the Texas Business & Commerce Code, Texas Penal Code, and the Texas Identity Theft Enforcement and Protection Act : To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis for persistent and repeated violations of federal and Texas state laws. Over 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 applicable Texas statutes, constituting further violations.

Violations Committed by the Bureaus Federal Law : 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 30-day 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.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to 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 victim assistance, fraud alerts, and recovery tools. 


XXXX Violations : Noncompliance with established industry credit reporting standards. 


FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to debt validation requests.

Texas State Law : Texas Business & Commerce Code 20.06 : Requires consumer reporting agencies to reinvestigate disputed information promptly.

Texas Business & Commerce Code 20.04 : Requires consumer reporting agencies to maintain reasonable procedures for maximum accuracy.

Texas Penal Code 32.51 : Prohibits fraudulent use or possession of identifying information ( identity theft ).

Texas Business & Commerce Code 521.051 521.053 : Texas Identity Theft Enforcement and Protection Act mandates safeguarding personal information and timely notification in the event of a breach.

Texas Deceptive Trade Practices Act ( DTPA ), Business & Commerce Code 17.46 ( b ) : Prohibits false, misleading, or deceptive acts or practices in business, including inaccurate credit reporting and failure to act on consumer disputes.

Texas Business & Commerce Code 20.12 : Authorizes consumers to place fraud alerts on their credit files and mandates credit bureaus to respond appropriately.

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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXXXXXX 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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX ( ORIGINAL CREDITOR : 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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX 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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
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  : Reporting format violations TX Law : Tex. Bus. & Com. Code 17.46 ( a ), 17.46 ( b ) ( 24 ), 17.50 ( a ) DEMAND : Immediate removal of late payments under FCRA 1681c-2 Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Deletion of all unauthorized hard inquiries.

Correction of all inaccurate personal information.

Provision of updated credit reports from all three bureaus.

Implementation of identity theft protections, including fraud alerts.

Comprehensive investigation and enforcement for failure to comply with FCRA, FDCPA, and Texas Business & Commerce Code requirements.

Fines or penalties under Texas law and federal law for willful negligence.

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 creditor Declaration : I affirm under penalty of perjury that all statements provided herein are accurate and truthful to the best of my knowledge. Due to the severe harm caused by these unlawful practices, I request immediate intervention from the CFPB and relevant Texas state authorities to enforce compliance, uphold my rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief