Consumer complaint received 2025-07-10 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 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 XXXX  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 laws, constituting further violations. 
Violations Committed by THE BUREAUS : XXXX XXXX. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. 
FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 
XXXX XXXX. XXXX : Failure to notify the consumer of alleged debts within the required timeframe. 
XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to adequately safeguard consumer personal information. 
XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 
XXXX XXXX. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 
XXXX Violations : Noncompliance with established industry reporting standards. 
Florida XXXX Statutes : Violations relating to identity theft and consumer fraud. 
FDCPA XXXX XXXX. XXXX ( b ) : Failure to respond to validation requests within XXXX  days. 
Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX XXXX  Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting XXXX violations FL XXXX : XXXX XXXX. XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX  XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting XXXX violations FL XXXX : XXXX XXXX. XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting format XXXX FL XXXX : XXXX XXXX. XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : XXXX format violations FL XXXX : XXXX XXXX. XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX  XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX  Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX  XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXXXXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX  Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting format violations FL XXXX : XXXX XXXX. XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX removal of late payments under FCRA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX removal of late payments under FCRA XXXX XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX removal of late payments under FCRA XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : XXXX removal of late payments under FCRA XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX & XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations FL XXXX : XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) DEMAND : Immediate removal of late payments under FCRA XXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, FL Incorrect XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Names : XXXX XXXX, XXXX XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 
XXXX 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 XXXX XXXX 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