Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis is unlawfully withholding my full consumer file and failing to provide required disclosures under federal law. 

I previously filed CFPB complaint # XXXX, and Innovis responded by refusing to release my consumer file, stating my address was not verified. That response ignored the documentation I previously provided and violated my rights under the FCRA. 

In this new complaint, I am providing additional identifying documents not previously submitted, including : Exhibit A U.S. Passport ( Government-issued ID ) Exhibit B USPS Proof of Address Confirmation Exhibit C Social Security Verification ( first time submitted ) These documents satisfy identity verification requirements under FCRA 609 ( a ). Any further demand for verification or refusal to provide my file constitutes an unreasonable barrier under FCRA 610 ( a ). 

Innovis has confirmed they maintain consumer data in my name. I am now exercising my legal right to receive my complete Innovis consumer disclosure file and all underlying data records including : 1. All personal identifiers, including name variations, addresses, phone numbers, emails, and household associations 2. Complete address and phone history, with dates and sources 3. All data sources and furnishers, including third-party vendors, public records, commercial databases, credit header sources, screening networks, and data brokers 4. Permissible purpose for collection, retention, use, and distribution of my information under FCRA 604 5. Method of Verification for all data in my file under FCRA 611 ( a ) ( 7 ) 6. All inquiry and access logs, including each company that obtained my information and why 7. Identity, risk, authentication, or consumer attribute scoring models and results associated with my file 8. Public record or commercially acquired data linked to my identity 9. All data distribution records, including entities that received or accessed my file 10. All dispute results, investigation records, and verification responses 11. Retention source and deletion policy applied to my data Innovis is in violation of : FCRA 609 ( a ) Right to full consumer file disclosure FCRA 610 ( a ) Must provide disclosures without unreasonable barriers FCRA 611 ( a ) ( 7 ) Must provide Method of Verification when disputed FCRA 623 ( a ) Can not furnish, report, or distribute unverified personal data FCRA 604 Must have permissible purpose to maintain or share consumer data I demand the following resolution : Immediate electronic delivery of my full Innovis Consumer Disclosure file Complete source documentation for every data point in my file Method of Verification for all reported information Identification of all third parties that received or accessed my data Permanent deletion of any information that can not be verified with valid source proof Confirmation in writing of deleted data and entities that received correction notices Suspension of further data sharing until verification is completed My identity has been verified in this complaint. No further delay, deflection, or conditional response is lawful.

Company response to consumer: Closed with explanation