Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX, XXXX, and XXXX  for persistent and repeated violations of federal and Maryland 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 Maryland Code, 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. 


XXXXCDIA Violations : Noncompliance with established industry credit reporting standards.

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

Maryland State Law : Maryland Commercial Law Code 13-301 : Prohibits unfair or deceptive trade practices including false or misleading credit reporting.

Maryland Commercial Law Code 14-1209 : Requires consumer reporting agencies to conduct proper reinvestigations of disputed information.

Maryland Commercial Law Code 14-3501 14-3508 ( Maryland Personal Information Protection Act, MPIPA ) : Requires businesses to safeguard personal information and notify consumers of security breaches.

Maryland Criminal Law Code 8-301 8-303 : Criminalizes identity theft and fraudulent use of personal identifying information.

Maryland Consumer Debt Collection Act ( MDCCA ), Commercial Law 14-201 14-204 : Prohibits abusive or deceptive debt collection practices.

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : 1.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 MD Law : Md. Code Com. Law 13-301 ( 1 ), 13-303, 13-408 DEMAND : Immediate deletion and blocking under FCRA 1681c-2.

2. 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 MD Law : Md. Code Com. Law 13-301 ( 1 ), 13-303, 13-408 DEMAND : Immediate deletion and blocking under FCRA 1681c-2.

3.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 MD Law : Md. Code Com. Law 13-301 ( 1 ), 13-303, 13-408 DEMAND : Immediate removal of late payments under FCRA 1681c-2 4. 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 MD Law : Md. Code Com. Law 13-301 ( 1 ), 13-303, 13-408 DEMAND : Immediate removal of late payments under FCRA 1681c-2 5. XXXXXXXX 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 MD Law : Md. Code Com. Law 13-301 ( 1 ), 13-303, 13-408 DEMAND : Immediate removal of late payments under FCRA 1681c-2 Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Maryland state law requirements.

Fines or penalties under Maryland 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 Maryland state authorities to enforce compliance, uphold my rights, and restore my credit integrity.

Company response to consumer: Closed with non-monetary relief