Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: UT

Complaint narrative:
This is a formal legal demand submitted via the Consumer Financial Protection Bureau complaint process. It is not an item dispute under FCRA 611 and is not to be handled via the e-OSCAR automated system. It requires direct compliance review by your legal and compliance departments. 

Pursuant to my rights under multiple federal and state laws, you are required to produce all data your company maintains, transmits, or uses about me, whether or not you classify it as part of a consumer file, including all suppressed, archived, and lender-facing datasets. 

Governing Laws and Obligations Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 603 ( d ) Consumer report includes any communication of information used to determine eligibility for credit, insurance, employment, or other permissible purposes. 

609 ( a ) ( 1 ) - ( 3 ) Full file disclosure, all sources of information, all recipients within the statutory periods.

607 ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy. 

611 ( a ) ( XXXX ) XXXX reinvestigation and full disclosure timelines. 

605 ( a ) Prohibition on reporting obsolete information.

605B Duty to block information resulting from identity theft.

Fair Credit Billing Act ( 15 U.S.C. 16661666j ) : Any reported account status derived from a billing error constitutes a violation if not corrected. 

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ) : Prohibition against communicating false credit information ; applicable to any data received from debt collectors and published by you. 

XXXX XXXX ( 15 U.S.C. 68016809 ) & Regulation P : Full disclosure of all nonpublic personal information, all affiliate and non-affiliate data-sharing, and safeguards compliance. 

FTC Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive acts or practices, including maintaining and furnishing inaccurate, outdated, or suppressed negative information to third parties. 

Right to Financial Privacy Act ( 12 U.S.C. 34013422 ) : Prohibits unauthorized access to and dissemination of financial records. 

Electronic Communications Privacy Act ( 18 U.S.C. 25102523 ) : Prohibits interception or disclosure of certain telecom and electronic records without consent. 

FTC Safeguards Rule ( 16 CFR Part 314 ) : Requires protection against unauthorized retention and use of consumer information, including stale data.

State Data Privacy Laws ( including but not limited to CCPA/CPRA, Virginia CDPA , Colorado Privacy Act, Connecticut DPA , Utah Consumer Privacy Act ) : Right to access, correct, and delete all personal data, not limited to FCRAs consumer file.

State Unfair and Deceptive Acts and Practices Statutes ( UDAP ) : Broad prohibition against deceptive suppression of derogatory data while still using it in scoring. 

Data Categories Demanded You must produce all of the following without omission or sanitization : Full consumer file under FCRA 609 ( a ) ( 1 ), including any lender-facing or phantom file used in scoring or risk assessment. 

All header/identifier data ( names, SSNs, DOBs, address history, employer history ), active or archived. 

All tradeline data ( open, closed, paid, charged-off, deleted, or suppressed ), including internal suppression codes and archived account records. 

All public record data ( bankruptcies, liens, judgments, evictions, foreclosures ), regardless of age, whether active, archived, or suppressed. 

All inquiry data ( hard, soft, internal risk/fraud inquiries, suppressed inquiries ). 

Complete third-party sourcing : the name, address, and data categories supplied by every entity from which you have obtained, or to which you have furnished, information about me, whether affiliated or unaffiliated, regardless of how you classify the source. 

All internal risk, fraud, or proprietary scoring models in which I am included, with complete adverse reason codes and scoring criteria. 

Complete dispute and suppression history, including results, internal notes, suppression codes, and reinsertion logs. 

Complete list of all recipients of any consumer report or related dataset about me within the last XXXX  years, with the permissible purpose claimed. 

Non-Compliance Warning Failure to produce all requested records, or producing only a partial/sanitized file, will constitute : Willful non-compliance under FCRA 616 and 617.

Unfair or deceptive acts under the FTC Act and applicable state UDAP statutes. 

Violation of GLBA disclosure obligations and data-safeguarding requirements. 

Potential violations of RFPA and ECPA if protected records are withheld or disclosed improperly. 

I reserve all rights to seek statutory damages, actual damages, attorneys fees, injunctive relief, and to refer evidence to the FTC, state XXXX XXXX, and appropriate federal law enforcement agencies. 

This demand is being logged for evidentiary purposes. Your full compliance within the applicable statutory timelines is required.

Company response to consumer: Closed with explanation