Consumer complaint received 2025-09-17 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: Credit Bureau Central Inc (MS)
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : \ [ your email address ] XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Or submit online at : consumerfinance.gov/complaint Re : Complaint Identity theft and multiple inaccurate tradelines and personal information on my credit reports To whom it may concern : I am writing to file a formal complaint and request CFPB assistance and investigation regarding identity theft and numerous materially inaccurate items on my consumer credit reports that are harming my ability to obtain credit and otherwise damaging my financial reputation. 

I am the victim of identity theft and I have repeatedly found incorrect and fraudulent information on my credit reports. I request that the CFPB investigate and assist in ensuring consumer reporting agencies and furnishers correct these inaccuracies immediately under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

The inaccurate information that must be investigated and corrected or removed is as follows : XXXX. * * Legal name * * * My legal name is * * XXXX XXXX XXXX * * only. Any misspellings or variations ( including but not limited to XXXX XXXX without middle name or other variants ) are incorrect and must be corrected to my full legal name. 

XXXX. * * Telephone numbers * * * Remove all telephone numbers that are not mine. My only correct telephone number is * * ( XXXX ) XXXX * *. Any other phone numbers listed on my consumer reports are fraudulent or inaccurate and must be deleted. 

XXXX. * * Addresses * * * Remove all addresses except * * XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX * *. Any other addresses on my reports are not mine and must be deleted. I never lived in Florida, remove all other states, except Alabama and the address above. 

XXXX. * * Alleged collections, repossessions, late payments, and balances * * * I have * * no repossessions * *, * * no late payments * *, and * * no collections * *. Remove any tradelines, collections, charge-offs, or derogatory notations that report otherwise. 
* I have * * no XXXXXXXX XXXX XXXX collections or balances owed * * delete any XXXXXXXX XXXX XXXX collection accounts and correct balances to XXXX or remove the tradeline if invalid. 
* I have * * no XXXX XXXX XXXX accounts * * remove any XXXX tradelines. 

XXXX. * * Student loans * * * My student loans with * * XXXX, XXXX, and U.S. Department of Education * * are * * dismissed * * with a * * XXXX balance * *. Any reporting to the contrary is inaccurate and must be corrected to show a \ {$0.00} balance and dismissed status. 

XXXX. * * Specific creditor updates * * * * * XXXX XXXX * * account is * * paid and should be deleted * * ( or updated to show paid/closed as appropriate ). 
* * * XXXX ( XXXX? ) * * any accounts that have been paid should be deleted or updated to reflect paid/closed status. 
* * * Personify * * update or delete as appropriate if paid or not mine. 
* * * XXXX * * update or delete as appropriate if paid or not mine. 
* * * XXXX XXXX * * and * * XXXX XXXX XXXX * * all accounts are * * current * * ; any derogatory reporting is inaccurate and must be corrected to show current status ( or removed if not mine ). 

XXXX. * * Disputes and identity-theft claims * * * I have or will be disputing these items with the consumer reporting agencies and, as necessary, the furnishers. I do not consent to having legitimate disputes used as a reason to deny credit. Any attempt to rely on consumer disputes as a basis for adverse credit decisions is unlawful. 

Enclosed/attached documents ( or documents I will provide through CFPB intake ) : A copy of my government-issued photo ID ( to verify my legal name ). 
Proof of current address for XXXX XXXX XXXX XXXX ( utility bill or similar ). 
A copy of a police report or identity-theft affidavit ( filed for these matters ) if already filed, I have attached it ; if not, I will provide it promptly. 
Copies/screenshots of the inaccurate credit report entries ( XXXX XXXX XXXX  ) that show the erroneous phone numbers, addresses, tradelines, and balances. 
Documentation showing student loan dismissal and XXXX balance with XXXX, XXXX, and the Department of Education ( if available ). 

Requested relief and actions : XXXX. Please investigate these matters and assist in obtaining immediate correction or deletion of the inaccurate and fraudulent items with the consumer reporting agencies and furnishers. 
XXXX. Require the consumer reporting agencies and furnishers to reinvestigate and provide written verification of the outcome, including deletion or correction of each inaccurate tradeline and personal-data item listed above. 
XXXX. Confirm that any incorrect tradelines will not be used as the basis for denials of credit or other adverse actions while disputes and identity-theft investigations are pending. 
XXXX. Provide me with a CFPB case number and a point of contact at the CFPB or confirmation of the complaint submission and next steps. 
XXXX. If applicable, request that furnishers provide proof of accuracy and chain-of-possession for any questionable tradelines ( i.e., documentation showing the account belongs to me and originates from legitimate activity ). Delete inquiries. 

Timeline : I request prompt action. I expect confirmation of receipt of this complaint and a CFPB case number within * * XXXX ( XXXX ) business days * *, and I request updates as the CFPB communicates with furnishers or CRAs. I understand the CFPB will forward my complaint to the company ( ies ) involved and expect them to respond. I also request a copy of the responses the CFPB receives from the consumer reporting agencies and furnishers. 

Please treat this matter as identity theft and inaccurate reporting under the FCRA. I reserve all rights to pursue additional remedies under federal and state law, including complaints to the Federal Trade Commission ( FTC ), the appropriate state Attorney Generals office, and pursuing legal remedies, if necessary. 

If you require any further documentation from me at this stage, please notify me immediately at ( XXXX ) XXXX or by email at \ [ your email address ]. Thank you for your prompt attention to this urgent matter. I look forward to your assistance in resolving these identity-theft and reporting inaccuracies quickly and completely. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response