Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis and XXXX for persistent and repeated violations of federal law. Over XXXX 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 associated federal laws, constituting further violations. Violations Committed by THE BUREAUS : 15 U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX-day timeframe. FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 15 U.S.C. XXXXg : Failure to notify the consumer of alleged debts within the required timeframe. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to adequately safeguard consumer personal information. XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 15 U.S.C. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. Metro2/XXXX Violations : Noncompliance with established industry reporting standards. XXXX Criminal Statutes : Violations relating to identity theft and consumer fraud. FDCPA 15 U.S.C. XXXX ( b ) : Failure to respond to validation requests within XXXX days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX. ) Account Number : XXXX Violations : FCRA 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 ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) Account Number : XXXX Violations : FCRA 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 Metro 2 formatting and accuracy violations XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA 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 ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX. XXXX Account Number : XXXX Violations : FCRA 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 ) Metro 2 formatting and accuracy violations XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 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  Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX. XXXX XXXX XXXX ( XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX. ) Account Number : XXXX Violations : FCRA 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  Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 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 Metro 2 formatting and accuracy violations XXXX XXXX ( XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to XXXX theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX. XXXX OF XXXX Account Number : XXXX Violations : FCRA 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  ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA 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 ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Demand : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX due to identity theft and lack of verification, this account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 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  ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Demand : Immediate deletion and permanent removal of all late payments under FCRA XXXX due to inaccuracies and all violations on this account, this account must be corrected immediately, flagged under Dispute CXXXXe XXXX Late Payment History Dispute, ensuring the activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. XXXXXXXX XXXXCARD Account Number : XXXX Violations : FCRA 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 ) Metro 2 formatting and accuracy violations XXXX XXXX XXXX XXXX ), XXXX ( XXXX ) ( c ), XXXX ( XXXX ) Demand : Immediate deletion and permanent removal of all late payments under FCRA XXXX due to inaccuracies and all violations on this account, this account must be corrected immediately, flagged under Dispute Code XXXX Late Payment History Dispute, ensuring the activation of your structured automation logic for correction and deletion of unverifiable or incorrect late payment statuses. Fraudulent Hard Inquiry : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA XXXX XXXX to identity theft and lack of verification. Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL Demand : Immediate deletion and permanent blocking of these addresses under FCRA XXXX due to identity theft and lack of verification. Incorrect Employer Listing : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA XXXX due to identity theft and lack of verification. Incorrect Names : XXXX XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. Immediate deletion of all unauthorized hard inquiries. Correction of all inaccurate personal information, including addresses, employers, and names. Provision of updated credit reports from all three bureaus confirming these corrections. Implementation of statutory identity theft protections, including fraud alerts. Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 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 CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with explanation