Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
Violation of Permissible Purpose : 15 USC 1581b ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c ; Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Innovis for their unlawful practices, violating my consumer rights. I have not authorized Innovis to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Innovis failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Innovis failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX. XXXX XXXX XXXX : # XXXX - {$2300.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} ( Opened : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX : # XXXX - {$4700.00} ( Opened : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX : # XXXX - {$4400.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX : # XXXX - {$790.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, I/l : # XXXX - {$8200.00} ( XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX : # XXXX - {$0.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX : # XXXX - {$1100.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX Bank : # XXXX - {$1200.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$2000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$10000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX : # XXXX - {$890.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX {$7500.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX : # XXXX - {$3000.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX - {$5300.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX : # XXXX - {$0.00} ( Opened : XX/XX/XXXX ) Addresses : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX This failure to prove the alleged debt is attached to me is a violation of my rights under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the FCRAs requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer.

Company response to consumer: Closed with non-monetary relief