Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
his complaint is filed to demand immediate regulatory enforcement against the abovenamed Respondents for systemic, willful, and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

The violations include unlawful reinsertion of deleted accounts, false reporting of derogatory tradelines, failure to validate debts, unauthorized credit inquiries, suppression of my consumer files, and the illegal deletion of positive, paidoff auto loans. 

II. Affidavit of Facts Affidavit of XXXX XXXX XXXX I, XXXX XXXX XXXX, being duly sworn, depose and state as follows : Correct Identity My full legal name is XXXX XXXX XXXX. 

My current and only correct residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Any other names, aliases, or addresses appearing in my consumer files are fraudulent, inaccurate, and the direct result of identity theft. 

XXXX XXXX XXXX Fraudulent Identity Theft Account This account was the product of identity theft. 

It was previously disputed, investigated, and deleted from my credit files. 

It has since been unlawfully reinserted without the required notice under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was previously reported by XXXX XXXX, disputed, and deleted. 

It has now been reinserted under XXXX XXXX XXXX. 

No validation of debt has ever been provided. 

XXXX XXXX XXXX Account This account is being falsely reported as late. 

The vehicle was sold to XXXX XXXX, and the account was never late and is now paid in full. 

Unauthorized Hard Inquiries Multiple inquiries from XXXX Credit, XXXX XXXX, XXXX XXXX, XXXX, and others were made without my consent. 

These inquiries are the result of identity theft. 

Secondary Bureaus Suppressions and Freezes Innovis, XXXX, XXXX, XXXX, XXXX, and XXXX have placed unauthorized freezes, fraud alerts, and suppressions on my consumer files. 

These actions materially interfere with my rights under FCRA to access, dispute, and correct my consumer information. 

Illegal Deletion of Positive PaidOff Auto Loans XXXX XXXX XXXX ( Account No. XXXX ) : This was a legitimate, paidoff auto loan with a balance of {$43000.00}. It was deleted from my credit reports without cause. 

XXXX XXXX XXXX ( Account No. XXXX ) : This was another legitimate, paidoff auto loan with a balance of {$17000.00}. It too was illegally deleted from my credit reports. 

These deletions are unlawful under FCRA 607 ( b ) and 611 ( a ), as they removed accurate, favorable credit history that I rightfully earned.

I demand that both accounts be immediately rereported in full, with accurate payment history and Paid in Full status, as their removal constitutes willful suppression of positive credit data.

Sworn Statement : I affirm under penalty of perjury that the above facts are true, correct, and based on my personal knowledge. 

XXXX XXXX XXXX XXXX. Legal Violations FCRA 607 ( b ) : Failure to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( B ) : Unlawful reinsertion of previously deleted information without notice.

FCRA 605B : Failure to block identity theft accounts.

FCRA 604 ( a ) ( 3 ) : Unauthorized credit inquiries without permissible purpose.

FCRA 616617 : Civil liability for willful and negligent noncompliance.

FDCPA 807 ( 8 ) : False representation of the character or legal status of a debt.

FDCPA 809 ( b ) : Failure to validate debt before reporting.

TILA 131 : Failure to provide accurate disclosures at origination.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate, nor delete accurate, favorable tradelines.

IV. Harm Suffered Severe damage to creditworthiness and denial of credit opportunities.

Emotional distress and reputational harm.

Outofpocket expenses for certified mail, legal consultation, and identity theft remediation. 

Loss of positive credit history due to unlawful deletion of paidoff auto loans. 

Ongoing inability to access accurate consumer reports due to unlawful freezes and suppressions. 

V. Relief Requested I demand that the CFPB : Order the immediate deletion of the fraudulent XXXX XXXX XXXX identity theft account, the XXXX XXXX XXXX collection, and the false XXXX XXXX late payment. 

Order the permanent removal of all unauthorized hard inquiries.

Order all secondary bureaus to lift all freezes, suppressions, and restrictions immediately.

Order the rereporting of the two paidoff auto loans : XXXX XXXX XXXX ( Acct. No. XXXX, {$43000.00} paid in full ). 

XXXX XXXX XXXX ( Acct. No. XXXX, {$17000.00} paid in full ). These accounts must be restored to my credit files with full positive payment history. 

Impose civil monetary penalties against the Respondents for willful violations. 

Refer this matter to the FTC and State Attorneys General for further enforcement. 

Preserve my right to pursue private civil litigation for damages under FCRA 616617 and FDCPA 813.

VI. Conclusion The Respondents have engaged in a pattern of reckless disregard for federal law, including the illegal deletion of positive credit history and the unlawful reinsertion of fraudulent accounts. Their conduct demonstrates systemic noncompliance that warrants immediate regulatory intervention. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief