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: CA

Complaint narrative:
I am filing this formal complaint against XXXX and Innovis for their continued failure to remove fraudulent accounts and unauthorized inquiries from my credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and California consumer protection laws XXXX 

Despite multiple disputes submitted over the past XXXX months, both credit reporting agencies have failed to : Conduct a proper investigation into my disputes as required under FCRA 611 ( a ) ( 1 ) ( A ).

Provide documentation validating the disputed accounts, in violation of FDCPA 15 U.S.C. 1692g.

Block and remove fraudulent accounts and unauthorized inquiries despite my submission of proper identity theft documentation, in violation of FCRA 605B and XXXX XXXX XXXX XXXX. 
Summary of the Violations Committed : 1. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) XXXX and Innovis have failed to maintain accurate credit files by continuing to report fraudulent accounts and unauthorized inquiries, despite clear discrepancies in balances, open dates, and payment history.

2. Failure to Investigate and Reinvestigate ( FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ) Under the FCRA, credit reporting agencies must complete a dispute investigation within 30 days. My disputes remain unresolved after XXXX months, violating federal law. 

3. Failure to Block Fraudulent Accounts Upon Proper Identity Theft Notification ( FCRA 605B, XXXX  XXXX XXXX XXXX ) The law requires consumer reporting agencies to block fraudulent accounts upon receipt of police reports and identity theft affidavits. I have provided this documentation, yet these accounts remain on my report.

4. Failure to Validate Alleged Debts ( FDCPA 15 U.S.C. 1692g ) Creditors and credit bureaus must notify consumers within five days of reporting a new account and provide validation upon request. This was not done. 

5. Violation of Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) By allowing fraudulent accounts to persist on my credit file, XXXX and Innovis have failed to protect my sensitive personal data, as required by law. 

6. Violation of California Consumer Protection Laws XXXX Consumer Credit Reporting Agencies Act ( Civil Code XXXX ( a ) ) : Prohibits credit bureaus from reporting inaccurate information. 
XXXX  Unfair Competition Law ( XXXX & XXXX XXXX XXXX et seq. ) : Prohibits deceptive business practices, including the failure to correct fraudulent credit reports. 
XXXX  XXXX XXXX XXXX : Defines identity theft as a criminal act, requiring the immediate removal of fraudulent accounts. 
Fraudulent Accounts and Unauthorized Inquiries in Dispute : XXXX XXXX XXXX XXXX ( Account # : XXXX ) Issue : Conflicting open dates, unauthorized activity, and failure to validate across bureaus. 
Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), XXXX  XXXX XXXX XXXX ( a ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account # : XXXX ) Issue : Fraudulent account opened without consent, unverified by furnishers. 
Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), XXXX XXXX XXXX XXXX ( a ). 
Unauthorized Credit Inquiries by XXXX  XXXX and Others These inquiries were not authorized and must be removed under XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief