Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I, XXXX XXXX, formally submit this complaint against Innovis and XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws. These violations have caused severe financial harm and distress, warranting immediate enforcement action by the CFPB. 

Violations Committed by Innovis and XXXX XXXX. Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) of FCRA ) Both bureaus have reported fraudulent and inaccurate accounts under my name, including but not limited to XXXX, XXXX XXXX XXXX, and XXXX XXXX, despite my formal dispute. 

They failed to ensure maximum accuracy as required by the FCRA, resulting in the continued presence of erroneous accounts, incorrect payment histories, and conflicting open dates.

2. Failure to Properly Investigate Disputes ( 611 ( a ) of FCRA ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. 

Innovis and XXXX have failed to conduct a proper reinvestigation into my disputes, ignoring multiple requests for correction. 

Despite exceeding the legally mandated timeline, the disputed fraudulent accounts remain unresolved.

3. Violation of Debt Validation Requirements ( 1692g of FDCPA ) Creditors and credit bureaus must provide debt validation within five days of reporting debts under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

No such validation was provided for the fraudulent accounts in question.

4. Failure to Protect Personal Information ( 6801 of the Gramm-Leach-Bliley Act - GLBA ) The continued reporting of inaccurate and fraudulent accounts suggests that my personal information was not properly safeguarded, as required by federal law. 

This constitutes a breach of security and consumer protection obligations.

5. Failure to Comply with Identity Theft Protections ( 15 U.S.C. 1681g ( e ) ) As a victim of identity theft, I am entitled to additional protections, including fraud alerts and the immediate removal of fraudulent accounts and inquiries. 

Despite my submission of supporting documents ( ID, Social Security card, police reports ), Innovis and XXXX have failed to take necessary corrective actions. 

6. Fraudulent Accounts Reported XXXX  Account Number : XXXX Issue : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification across bureaus. 

Laws Violated : 15 U.S.C. 1681, 1692g, 611 ( a ), FCRA 607 ( b ). 

XXXX XXXX XXXX Account Number : XXXX Issue : Collection account with balance discrepancies, open date variations, and lack of validation across bureaus. 

Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX Account XXXX : XXXX Issue : High credit amount discrepancies, conflicting open dates, and failure to validate across bureaus. 

Laws Violated : 15 U.S.C. 1681, 1692g, 611 ( a ), FCRA 607 ( b ). 

XXXX XXXX Account XXXX : XXXX Issue : Monthly payment discrepancies, differing open dates, and lack of proper validation. 

Laws Violated : 15 U.S.C. 1681, 1692g, 611 ( a ), FCRA 607 ( b ).

7. Unauthorized Credit Inquiries I discovered unauthorized credit inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and others. 

These inquiries were made without my authorization, violating 15 U.S.C. 1681b ( f ), which restricts access to consumer reports without permissible purpose.

8. Reporting of Incorrect and Fraudulent Addresses Innovis and XXXX have reported incorrect addresses under my profile, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me, and their presence suggests serious data integrity and security failures. 

Requested Relief Immediate Removal of Fraudulent Accounts and Inquiries XXXX, XXXX XXXX XXXX, XXXX XXXX, and any other fraudulent accounts must be permanently deleted from my credit report. 

All unauthorized credit inquiries must be removed. 

Correction of Personal Information My consumer file must be updated to remove all inaccurate addresses. 

Written Confirmation of Compliance Innovis and XXXX must provide a formal written response confirming that the fraudulent accounts and inquiries have been removed. 

Enforcement of Statutory Damages and Corrective Action Due to the negligence and willful noncompliance of these bureaus, I request that the CFPB initiate immediate enforcement action against Innovis and XXXX to ensure compliance with FCRA, FDCPA, GLBA, and identity theft protections. 

I also request consideration for statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o due to their willful and negligent violations.

Supporting Documents Enclosed : Copy of government-issued ID Copy of Social Security card Police reports regarding identity theft Proof of address This matter requires urgent intervention from the CFPB, as these credit bureaus are actively violating federal consumer protection laws, jeopardizing my financial well-being. I respectfully request swift action to ensure compliance and prevent further harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief