Consumer complaint received 2025-05-01 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: NV

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 ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional 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 Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : 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 ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards Nevada Revised Statutes ( NRS ) : Violations related to identity theft and consumer fraud, including : NRS 205.463 : Obtaining and using personal identifying information of another NRS 205.456 : False representation concerning identity NRS 598.0923 : Deceptive trade practices related to consumer reporting Fraudulent Accounts and Specific Violations XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA ( 15 U.S.C. 1681 ; 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 6 ) ) Gramm-Leach-Bliley Act Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resource Requirements ( 15 U.S.C. 1681g ( e ) ) Nevada state identity theft laws Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 

XXXX XXXX ( ORIGINAL CREDITOR : 08 XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Laws Violated : FCRA ( 15 U.S.C. 1681 ; 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 6 ) ) Gramm-Leach-Bliley Act Identity Theft and Assumption Deterrence Act FTC Identity Theft Resource Requirements Nevada state identity theft laws Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 

TARGET/TD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA ( 15 U.S.C. 1681 ; 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 6 ) ) Gramm-Leach-Bliley Act Identity Theft and Assumption Deterrence Act FTC Identity Theft Resource Requirements Nevada state identity theft laws Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 

XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX Laws Violated : FCRA ( 15 U.S.C. 1681 ; 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 6 ) ) Gramm-Leach-Bliley Act Identity Theft and Assumption Deterrence Act FTC Identity Theft Resource Requirements Nevada state identity theft laws Metro 2 Compliance & CDIA Guidelines Request : Immediate removal of all late payments. 

Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : [ XX/XX/XXXX - XX/XX/XXXX ] Reference # : [ XXXX - XXXX - XXXX XXXX ] XXXX Date : [ XX/XX/XXXX ] Court : [ XXXX XXXX  XXXX - XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX : FCRA ( 15 U.S.C. 1681 ; 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 6 ) ) Gramm-Leach-Bliley Act Identity Theft Act ( 18 U.S.C. 1028 ) FTC Identity Theft Resources ( 15 U.S.C. 1681g ( e ) ) Nevada state identity theft laws Metro 2 Compliance & CDIA Guidelines Request : Immediate removal and permanent blocking of this account. 

Fraudulent Inquiries ( Not Associated with Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these inquiries from my file. 

Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above.

Compel deletion of all unauthorized hard inquiries.

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

Require written confirmation from both Innovis and XXXX, including updated credit reports. 

Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 

Initiate investigation and sanctions for failure to comply with FCRA deadlines. 

Fine or discipline Innovis and XXXX for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : 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 damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief