Consumer complaint received 2025-06-30 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:
To Whom It May Concern, I am formally requesting that the California Department of Financial Protection and Innovation ( DFPI ) immediately enforce corrective action against XXXX XXXX and XXXX  for persistent and repeated violations of California state law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the California Consumer Credit Reporting Agencies Act ( CCCRAA ) and associated state statutes, constituting further violations. 
Violations Committed by XXXX XXXX : California Civil Code 1785.14 ( b ) : Failure to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
California Civil Code 1785.16 ( a ) : Failure to investigate consumer disputes within the required 30-day timeframe.
California Civil Code 1785.16 ( b ) : Failure to conduct reinvestigations and report results to the consumer.

California Civil Code 1785.25 ( a ) : Furnishing information known to be inaccurate.

California Civil Code 1798.82 : Failure to safeguard consumer personal information and provide proper notification in case of a data breach.

California Penal Code 530.5 : Identity theft and unauthorized use of personal identifying information.

California Civil Code 1785.16 ( k ) : Failure to provide fraud alerts and appropriate victim assistance. 
Noncompliance with XXXX Standards : Violations of industry-standard credit reporting guidelines. 
California Consumer Legal Remedies Act ( CLRA ) Civil Code 1770 : Misrepresentation and unfair business practices affecting consumers.

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations CA Law : Cal. Civ. Code 1770 ( a ) ( 14 ), Cal. Bus. & Prof. Code 17200 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations CA Law : Cal. Civ. Code 1770 ( a ) ( 14 ), Cal. Bus. & Prof. Code 17200 DEMAND : Immediate removal of late payments FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX XXXX Reporting format violations CA Law : Cal. Civ. Code 1770 ( a ) ( 14 ), Cal. Bus. & Prof. Code 17200 DEMAND : Immediate removal of late payments FCRA 1681c-2. 
Fraudulent Inquiries to Remove Entities : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfamiliar or Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested Relief from the DFPI : Immediate enforcement for deletion and permanent blocking of fraudulent and inaccurate accounts. 


Removal of all unauthorized hard inquiries. 


Correction of all inaccurate personal information ( addresses, employers, names ). 


Updated credit reports from all three bureaus confirming these corrections. 


Implementation of identity theft protections including fraud alerts and security freezes under California law. 


Sanctions or penalties against the bureaus for failure to comply with California Civil Code 1785 et seq.

Enforcement of consumers ' rights under the California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ) as applicable. 


Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters to the creditors Declaration : I affirm, under penalty of perjury under the laws of the State of California, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and furnishers, I respectfully request urgent intervention from the DFPI to enforce California law, protect my rights as a consumer, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief