Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I submit this formal complaint against Innovis and XXXX for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of : 15 U.S.C. 1692g ( a ) and ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against major credit bureaus for similar violations. These precedents reinforce the validity of my complaint : XXXX  Lawsuit ( XX/XX/XXXX ) Filed by the CFPB for failing to investigate disputes and allowing inaccurate data to reappear on reports. 

XXXX  XXXX ( XX/XX/XXXX ) {$15.00} XXXX settlement over inaccuracies in tenant screening and credit reports. 

XXXX  XXXX ( XX/XX/XXXX ) Repeated violations of the FCRA and deceptive reporting practices. 

These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar enforcement actions against Innovis and XXXX. 

Fraudulent Accounts & Unauthorized Reinsertions XXXX ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX ( XXXX : XXXX & XXXX XXXX XXXX XXXX XXXX  ( Account : XXXX ) XXXX XXXX ( Account XXXX XXXX ) XXXX  ( Account : XXXX ) XXXX XXXX  ( Account : XXXX ) XXXX XXXXXXXX ( Account : XXXX ) XXXX  ( Account : XXXX XXXX XXXX  ) Unauthorized Inquiries ( Remove Immediately ) Entities : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Violations : FCRA 1681b : Lack of permissible purpose FDUTPA 501.204 : Deceptive inquiry practices Incorrect Names, Addresses, and Employers : Incorrect Name Variations : XXXX, XXXX, XXXX Incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) : Failure to ensure accuracy FDUTPA 501.204 : Misrepresentation through false data Request : REMOVE ALL INACCURATE PERSONAL DATA IMMEDIATELY. 

Laws Violated ( All Accounts and Inquiries ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy 15 U.S.C. 1681i ( a ) : Failure to investigate disputes within 30 days 15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts upon receiving proper documentation 15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting 15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file with Innovis and XXXX Ensure that these items are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ) Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries Include updated copies of my corrected credit reports Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded Provide findings in writing, including all requested verification documentation Compliance with Identity Theft Protections : Implement fraud alerts Provide identity theft resources as mandated under 15 U.S.C. 1681g ( e ) Conclusion The continued noncompliance by Innovis and XXXX has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against credit bureaus for similar misconduct, I urge immediate enforcement action to : Ensure compliance with federal law Provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected.

Company response to consumer: Closed with non-monetary relief