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: IN

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 XXXX XXXX for persistent and repeated violations of federal and Indiana 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 Indiana state 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 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. 


XXXX Violations : Noncompliance with established industry credit reporting standards. 


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

Indiana State Law : Indiana Deceptive Consumer Sales Act ( IC 24-5-0.5-3 ) : Prohibits deceptive acts in consumer sales including misrepresentation of creditworthiness or debt validity.

Indiana Identity Theft Law ( IC 35-43-5-3.5 ) : Prohibits the possession or use of another individuals personal identifying information without consent. Indiana Data Breach Notification Law ( IC 24-4.9 ) : Requires businesses to safeguard personal information and provide prompt notice of any breach.

Indiana Consumer Protection Act ( IC 24-5-0.5 ) : Provides remedies including civil penalties for deceptive acts affecting consumers. 



Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : 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 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 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 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  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 Indiana consumer protection laws.

Application of fines or penalties under Indiana state 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 Indiana state authorities to enforce compliance, uphold my rights, and restore my credit integrity.

Company response to consumer: Closed with non-monetary relief