Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Innovis XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : FORMAL FCRA DEMAND IDENTITY THEFT, NO PERMISSIBLE PURPOSE, UNAUTHORIZED DATA FURNISHING, MANDATORY BLOCKING & IMMEDIATE FULL FILE DELETION FTC Identity Theft Report XXXX XXXX XXXXXXXX To Whom It May Concern : This letter serves as a legally binding dispute, a mandatory deletion request, and a cease-processing notice under multiple sections of the Fair Credit Reporting Act ( FCRA ).

Innovis is currently maintaining, storing, processing, or distributing information associated with my identity without my knowledge, authorization, or consent. I have never authorized ANY entity to furnish data to Innovis, and no permissible purpose exists under FCRA XXXX ( a ) to justify the presence of ANY information in your system. 

I have filed an official FTC Identity Theft Report ( Report # XXXX ) confirming that my personal identifying information has been used, transmitted, or furnished without my authorization. 
Therefore, ALL information Innovis maintains is legally classified as : Unauthorized Unverifiable Obtained without consumer consent Identity-theft-related Illegally furnished under FCRA 623 ( a ) ( 1 ) ( A ) FEDERAL STATUTES REQUIRING IMMEDIATE ACTION FCRA 605B / 15 U.S.C. 1681c-2 MANDATORY BLOCKING Requires Innovis to block and delete ALL identity-theft-related information within four ( 4 ) business days. 

You now have both required items : ( XXXX ) My dispute ( XXXX ) My official FTC Identity Theft Report Therefore, the block is mandatory by law.

FCRA 604 ( a ) NO PERMISSIBLE PURPOSE No entity is authorized to access, furnish, or use my information through Innovis.

Any continued processing violates federal law.

FCRA 609 ( e ) DOCUMENT REQUEST REQUIREMENT You must provide copies of ALL documents, applications, or signatures used by any furnisher to place information in my Innovis file.

No such authorization exists therefore all data is unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) ILLEGAL FURNISHING Furnishers may not report any information they can not verify as authorized by the consumer.

This requires immediate deletion.

FCRA 611 ( a ) REINVESTIGATION DUTY Any unverifiable or unauthorized information MUST be deleted.

FCRA 603 ( q ) IDENTITY THEFT DEFINITION This situation meets the statutory definition of identity theft, which triggers mandatory consumer protections.

FCRA 602 ( a ) PRIVACY RIGHTS Innovis may not maintain consumer files without lawful purpose or consumer consent. 

MANDATORY ACTION REQUIRED Innovis must : Block and permanently delete my ENTIRE Innovis file, including all inquiries, accounts, and furnished data. 

Cease all processing, storing, or distributing of any data associated with my personal identifiers. 

Notify all furnishers that the information was deleted due to identity theft and lack of permissible purpose, as required by law. 

Provide written confirmation listing everything deleted and all parties notified. 

LEGAL LIABILITY NOTICE Failure to comply will result in immediate escalation and claims of : Willful noncompliance ( FCRA 616 ) Negligent noncompliance ( FCRA 617 ) Civil, statutory, and punitive damages Regulatory reporting to CFPB, FTC, and state AG offices You are now on formal notice.

DEADLINE Your deadline under FCRA 605B is four ( 4 ) business days.

You must send written confirmation of completion immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief