Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
This correspondence is in reference to XXXX, XXXX, XXXX, Innovis and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, XXXX, XXXX and Innovis has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only one Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, XXXX, XXXX and Innovis is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, XXXX, XXXX and Innovis 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. My question to you XXXX, XXXX, XXXX and Innovis what are you REALLY REPORTING?! XXXX, XXXX, XXXX and Innovis you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the XXXX XXXX you never disclosed that you buy and sell my data to other companies. XXXX  shares ( XXXX ) are listed on the XXXX XXXX XXXX. XXXX has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into XXXX. You have been enriching your company with my non-public personal information. In Experian prospectus the following can be read on page 24 Legislation and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the European Union ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the European Unions Privacy Directive and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. XXXX I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In XXXX XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. XXXX stated in their XXXX In XXXX of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from CBC Companies In an independent credit reporting agency that has been a system affiliate of ours for more than 14  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. XXXX, XXXX and Innovis I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.

Company response to consumer: Closed with non-monetary relief