Consumer complaint received 2025-04-09 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 submitting this formal complaint regarding serious and multiple violations of federal consumer protection laws by both Innovis and XXXX. These agencies continue to report unverified, inaccurate, and obsolete information on my consumer file, despite prior formal disputes and demands for validation. 

Disputed Accounts XXXX Total XXXX XXXX XXXX Acct # : XXXX Issues : Conflicting balances, unverifiable dates, no validation. 

XXXX XXXX Acct # : XXXX Issues : Balance inconsistencies, invalid reporting, unverifiable. 

XXXX XXXX Acct # : XXXX Issues : Account duplication, wrong dates, no validation. 

XXXX XXXX Acct # : XXXX Issues : Discrepancies in data, no proof of debt, unverifiable. 

XXXX Acct # : XXXX Issues : Reporting errors, incomplete investigation, not validated. 

XXXX XXXXXXXX Acct # : XXXX Issues : Cross-bureau inconsistencies, not validated, false open date. 

XXXX XXXX XXXX  Acct # : XXXX Issues : Duplicate reporting, unverifiable debt, no authorization. 

XXXX XXXXXXXX Acct # : XXXX Issues : Inconsistent balances and dates, no validation. 

XXXX XXXX Acct # : XXXX Issues : Incorrect reporting, lack of supporting documentation. 

XXXX Acct # : XXXX Issues : No evidence of contract or debt, unverifiable information. 

XXXX Acct # : XXXX Issues : Identity confusion, dispute ignored, never validated. 

Hard Inquiries Without Authorization : SYNCB/MC WFBNA CARD Incorrect Personal Information Reported : False Alias : XXXX XXXX XXXX Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Committed : Both Innovis and XXXX have XXXX multiple federal laws including, but not limited to : Fair Credit Reporting Act ( FCRA ) Violations 1681e ( b ) : Failure to assure maximum possible accuracy.

1681i : Inadequate reinvestigation after disputes.

1681g ( e ) : Failure to support identity theft victims.

607 ( b ) : Negligent reporting procedures.

611 ( a ) : Failure to verify disputed information.

1681i ( a ) ( 6 ) ( B ) : Not marking accounts as " disputed. '' Fair Debt Collection Practices Act ( FDCPA ) Violations 1692g : Failure to validate debts after request. 

Gramm-Leach-Bliley Act ( GLBA ) Violations XXXX : Failure to safeguard consumer personal data. 

XXXX XXXX XXXX 18 U.S.C. 1028 : Ignoring identity theft protections. 

Request for Relief and Enforcement : I respectfully request the CFPB to : Immediately remove and block all XXXX accounts under FCRA 1681i. 

Investigate and sanction Innovis and XXXX for ongoing violations of the FCRA, FDCPA, and XXXX. 

Permanently ban both agencies from re-reporting these accounts. 

Require written documentation from each agency proving legal compliance and debt validation, or take action under FCRA 616 & 617. 

Consequences of Continued Noncompliance : If the CFPB does not intervene and these violations continue, I will proceed with : Civil litigation under the FCRA and FDCPA. 

Filing formal complaints with the FTC and Florida Attorney General. 

Seeking punitive damages as allowed under 15 U.S.C. 1681n and 1681o. 

Submitted by : XXXX XXXX

Company response to consumer: Closed with non-monetary relief