Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
RE : Unlawful Reporting of Bankruptcy Willful Noncompliance with FCRA, XXXX XXXX, and Other Consumer Protection Laws To Whom It May Concern, This letter serves as a formal notice and demand for the immediate deletion of the inaccurate, unverifiable, and unlawful reporting of a bankruptcy appearing on my consumer file. Your continued reporting of this derogatory information violates federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the XXXX XXXX reporting standards you are legally obligated to follow as a data furnisher. You have willfully failed to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) by allowing blatantly defective, incomplete, and unverifiable data to remain on my consumer report. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) explicitly prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Continuing to report this bankruptcy constitutes knowing and reckless disregard of the law. Bankruptcy - XXXX - I am demanding the immediate and permanent deletion of this XXXX bankruptcy record for false and unverifiable public record reporting in violation of 15 USC 1681i, 1681c, and 623 ( a ) ( 1 ) ( A ). This bankruptcy entry is being reported as? Discharged? with no verified liability, no creditor identifiers, and no certified record directly furnished by the XXXX Bankruptcy XXXX. The FCRA requires credit bureaus to verify all public records with certified documentation from the original source, not unverified data vendors or third-party aggregators.The court listed? XXXX. Bankruptcy XXXX, XXXX XXXX of Florida? does not report consumer information to any credit bureau or data furnisher. That means this record was obtained from a third-party data scraper with no verified chain of custody or authenticated documentation, making the reporting inherently unreliable and noncompliant with both FCRA and XXXX standards.Reporting unverifiable or incomplete bankruptcy data is a willful act of negligence under FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). The data you? re publishing contains no verified asset, liability, or court-certified docket, and yet it? s being displayed as a final? discharged? bankruptcy. This is materially misleading and damages my credit reputation.Given the XXXX XXXX  data breach, the likelihood of compromised or misattributed public record data is even greater. Continuing to report unverifiable public information after a known data compromise demonstrates reckless disregard for accuracy and consumer protection obligations. Bankruptcy - XXXX - I am demanding the immediate and permanent deletion of this outdated and unverifiable bankruptcy record for willful noncompliance under 15 USC 1681i, 1681c, and 623 ( a ) ( 1 ) ( A ). This XXXX bankruptcy is being reported long past the lawful reporting window and 1 of 3 without any certified verification directly from the XXXX Bankruptcy XXXX. The court itself has publicly stated that it does not furnish consumer data to credit bureaus? which means the bureaus are publishing this record through unverified third-party aggregators in direct violation of the Fair Credit Reporting Act and XXXX data accuracy standards.You are continuing to publish a record that can not be authenticated, that has no verifiable source documentation, and that is legally obsolete. This record is not supported by a certified docket, original filing signature, or chain of custody linking it to my file. Reporting unverified public data is a reckless act of negligence and a clear failure to maintain the? maximum possible accuracy? required under FCRA 607 ( b ) .Further, given the massive XXXX XXXX data breach, any unverified public record reporting poses a serious risk of identity confusion and false association. Continuing to verify or reinsert unverifiable data after notice of dispute constitutes willful and knowing noncompliance, subjecting the furnisher and the credit reporting agencies to liability under 616 and 617 of the FCRA. As you are fully aware, XXXX XXXX is the standardized format you are required to use when reporting consumer data. According to the Credit Reporting Resource Guide ( CRRG ) : 1. 2. 3. Bankruptcies must be reported with precise, verifiable source data directly from the court of record. Any reporting that lacks a complete court docket number, filing date, disposition, or final discharge documentation is noncompliant and must be suppressed or deleted immediately. Reporting a bankruptcy without a direct furnishing source that is continuously verified constitutes a willful violation of the XXXX XXXX standard and the FCRA. The bankruptcy data on my report fails to comply with these standards in the following ways : Missing or incomplete court reference numbers. Inconsistent or blank filing and closing dates. No documentation to establish actual validation of the filing. Improper status coding inconsistent with XXXX XXXX reporting requirements. By continuing to report data in this defective format, you are knowingly disseminating false and misleading information, which is a direct violation of 15 U.S.C. 1681e ( b ) and the CFPBs enforcement guidelines. Your actions are violating multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) : Failure to conduct a proper, lawful reinvestigation upon dispute. 1681s-2 ( a ) ( 1 ) : Furnishing information with actual knowledge of errors or defects. Fair Debt Collection Practices Act ( FDCPA ) : Reporting unverified, inaccurate bankruptcy data as a collection item constitutes false representation and deceptive practices. 15 U.S.C. 45 ( FTC Act ) : Engaging in unfair and deceptive acts and practices by reporting false public record information. You are hereby demanded to take the following actions within 15 calendar days from receipt of this letter : 2 of 3 1. Permanently delete all bankruptcy-related data from my consumer reports and all affiliated databases. 2. 3. Provide a full accounting and verification, including : The exact furnishing source of the bankruptcy data. The verification method and documents used to confirm its accuracy. The dates and parties to whom you have furnished this information. Send me a corrected copy of my consumer report showing the permanent deletion. Failure to comply will be considered willful noncompliance, and I will pursue all available legal remedies, including statutory damages, attorneys fees, and court costs. This is my final attempt to resolve this matter amicably. If you fail to comply, you will leave me with no choice but to escalate this issue through regulatory complaints, civil litigation, and direct reporting to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office for your blatant and willful violations

Company response to consumer: Closed with non-monetary relief