Consumer complaint received 2025-07-18 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: WA

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and Innovis for persistent and repeated violations of federal and XXXX  XXXX 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 XXXX  statutes, 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 30 days.

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.

Metro2/CDIA Violations : Noncompliance with industry credit reporting standards.

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


XXXX  XXXX XXXX : Revised Code of Washington ( XXXX ) XXXX : Credit reporting agencies must reinvestigate and correct inaccurate information within 30 days. 


XXXX XXXX : XXXX to ensure maximum accuracy in credit reports. 


XXXX XXXX : Identity theftprohibits fraudulent use or possession of identifying information. 


XXXX XXXX : Data breach notification requirementsfailure to notify consumer after a security breach. 


XXXX XXXX ( XXXX  XXXX XXXX Act - CPA ) : Prohibits unfair or deceptive acts in the conduct of trade or commerce, including inaccurate or misleading credit reporting. 


XXXX XXXX : Debt collectors may not report invalid debts and must cease collection efforts after a valid dispute. 



Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking XXXXXXXX XXXX Account Number : XXXX Violations : FCRA, FDCPA, GLBA, Metro 2 , and XXXXXXXX XXXX XXXX  XXXX XXXX ) Demand : Immediate deletion and blocking per FCRA 1681c-2. 
XXXX. XXXX Account XXXX Same violations apply.

Demand : Immediate removal of all late payments and erroneous data. 
XXXX. XXXX XXXX XXXX Account XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX XXXX Account XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX Account XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Same violations apply. 
Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 
XXXX. XXXX Account XXXX Same violations apply.

Demand : Immediate deletion and correction of reporting errors. 

Fraudulent Inquiries to Remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX  XXXX XXXX XXXX ( XXXX XXXX ). 
Application of fines or penalties under XXXX XXXX law and federal law for willful non-compliance and 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 creditors 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 XXXX  State authorities to enforce compliance, protect my rights, and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief