Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Subject : Rebuttal Complaint Against XXXX XXXX Misrepresentation, Improper Handling of Complaint, and Continuing Harm CFPB Case # : XXXX XXXX XXXXXXXX Case # : XXXX To Whom It May Concern : I am submitting this rebuttal complaint regarding XXXX XXXX correspondence dated XX/XX/year> ( delivered to me via XXXX ). The letter contains false, misleading, and retaliatory statements that distort the nature of my complaint and fail to resolve the substantive issues raised. 

XXXX. Misrepresentation of Unauthorized Submission XXXX XXXX asserts that the complaint submitted to the CFPB may have been submitted by an unauthorized party. This statement is patently false. I personally filed my complaint with the CFPB, as the primary consumer affected. Any suggestion that my complaint originated from an unauthorized third party is an attempt to discredit and delegitimize my filing. Such misrepresentation undermines the CFPB complaint process and could chill consumer participation by insinuating fraud where none exists. 

XXXX. Improper Cease and Desist Characterization XXXX XXXX letter claims my accounts are under a cease and desist status. I have not issued such a directive. This is an improper designation being used to : - Avoid addressing the substantive issues in my complaint ; - Create a false narrative that I am obstructing communication ; and - Deflect accountability for inaccurate and damaging reporting practices. 
This tactic constitutes bad faith conduct and a failure to engage with the consumer complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection standards. 

XXXX. Failure to Address Core Issues XXXX XXXX has not responded to the substance of my original complaint, which concerned : - Inaccurate and potentially re-aged reporting of charged-off accounts ; - Violation of statutory timeframes regarding account reporting and debt collection ; and - Continuing harm to my creditworthiness and financial stability as a XXXXXXXX XXXX XXXX Instead of investigating and remedying these issues, XXXX XXXX issued a deflective letter designed to evade accountability. 

XXXX. Request for CFPB Action Given XXXX XXXX  pattern of misleading responses, noncompliance, and evasive tactics, I respectfully request that the CFPB : XXXX. Investigate XXXXXXXX XXXX  misrepresentation that my complaint was unauthorized. 

2. Compel XXXX XXXX to provide a substantive response to the underlying credit reporting and collection issues raised. 

XXXX. Monitor for potential retaliation, as this correspondence appears designed to discourage me from exercising my consumer rights. 

4. Place XXXX XXXX on heightened review for its response tactics to consumer complaints. 

Conclusion : I reaffirm that my complaint was personally and legitimately filed with the CFPB. XXXXXXXX XXXX XXXXXX/XX/year> letter is not only misleading but also an affront to consumer rights. I request that the CFPB hold XXXX XXXX accountable for these practices and ensure that my original complaint is investigated in full.

Company response to consumer: Closed with explanation