Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Demand for Removal of Charge-Off from Credit Report and Violation of Federal \nLaws\nDear XXXX XXXX XXXXI am writing to formally request the immediate removal of the charge-off reported on my credit \nfile under account number [XXXX]. After thoroughly reviewing the details of this account and \nconsidering applicable federal laws, I believe this charge-off entry is being reported in violation \nof several consumer protection statutes, including 15 USC 1692c(c), 15 USC 1681(b), and 15 \nUSC 1635.\n1. 15 USC 1692c(c) - Communication After Cease and Desist Request\nUnder 15 USC 1692c(c), I have made prior requests for cessation of communications related to \nthis debt. If I had previously notified you to cease communications, any subsequent collection \nactivities related to this debt should have been discontinued in accordance with the Fair Debt \nCollection Practices Act (FDCPA). Therefore, I demand the removal of any reporting associated \nwith this charge-off, as continued reporting after my cease and desist request is a violation of this \nstatute.\n2. 15 USC 1681(b) - Duty to Report Accurate Information\nUnder 15 USC 1681(b), it is the responsibility of creditors and debt collectors to ensure that all \ninformation provided to credit reporting agencies is accurate. Reporting this account as a charge\x02off is misleading and fails to reflect the true nature of the account, especially if it does not \naccurately represent the original terms of the agreement or contains errors regarding amounts \nowed, dates of delinquency, or payment history.\nIf any incorrect information has been reported, I request that this charge-off be removed from my \ncredit file, as required by the Fair Credit Reporting Act (FCRA).\n3. 15 USC 1635 - Right to Rescind Contracts\nIn accordance with 15 USC 1635, I have the right to rescind any contract involving credit or loan \nagreements within three days of signing, provided certain conditions are met. If applicable, and if \nI was not properly informed of this right or if the agreement failed to meet necessary legal \nstandards, I demand that the charge-off be removed from my report as the transaction could be \ninvalid under these terms.\nRequest for Immediate Action\nGiven the above, I demand that you take the following actions immediately:\n1. Remove the charge-off associated with [Account Number] from all credit reporting \nagencies.\n2. Provide me with written confirmation that the charge-off has been removed from my \ncredit report.\n3. Cease any further collection efforts or reporting related to this account that violate the \nFair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).\nShould you fail to remove this charge-off within 30 days of receiving this letter, I will have no \nchoice but to file a formal dispute with the credit bureaus and, if necessary, take legal action to \nprotect my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.\nPlease provide a written response to confirm the actions taken regarding my request at the \nearliest.\nThank you for your prompt attention to this matter.\nSincerely,\XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation