Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
This is a formal complaint against Innovis and XXXX for willfully violating consumer protection laws by refusing to remove fraudulent data from my consumer files despite multiple dispute attempts and valid identity theft documentation. 

These agencies failed to comply with their responsibilities under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681c-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681c-2 Identity Theft and Assumption Deterrence Act 18 U.S.C. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX Fraudulent Accounts to Be Removed ( XXXX total ) : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  / XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Duplicate Entry ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional unauthorized accounts found after full file review Any other unfamiliar or unauthorized tradelines reporting to XXXX or Innovis Unauthorized Credit Inquiries : All inquiries associated with the above fraudulent accounts must be permanently removed, including but not limited to : XXXX XXXX Portfolio Recovery XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Any collection agency or data furnisher connected to the fraudulent accounts These inquiries were made without my consent, as part of identity theft, and are in violation of my FCRA rights. 

Personal Information to Be Removed as Inaccurate and Unauthorized : These addresses do not belong to me and must be permanently suppressed from both Innovis and XXXX databases : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also : Any incorrect or alternative name variations that do not match my legal identity Supporting Law Citations : FCRA 1681c-2 : Requires CRAs to block fraudulent information within 4 business days of receiving a valid identity theft report.

FCRA 1681e ( b ) : Requires CRAs to follow reasonable procedures to ensure maximum possible accuracy.

FDCPA 1692g : Debt must be validated upon request ; if not, it can not continue to be reported.

FACTA 1681c-2 : Confirms my right to block identity theft-related information.

18 U.S.C. 1028 : Criminalizes misuse of another persons identity. 

XXXX  Statutes XXXX : Protects XXXX  residents from willful dissemination of fraudulent identity data. 

Requested CFPB Action : I am requesting that the CFPB enforce my rights and require both Innovis and XXXX to : Immediately block and permanently delete the XXXX fraudulent accounts listed above. 

Permanently suppress all unauthorized inquiries related to these accounts. 

Remove all unrelated personal addresses and name variations. 

Provide confirmation in writing of completed removals and data corrections. 

Investigate the willful noncompliance and, if appropriate, penalize both agencies for repeated violations of the FCRA, FACTA, and other statutes. 

Failure to act on their part has already caused me severe harm, including credit damage, emotional stress, and the denial of financial opportunities. 

Thank you for your attention. I respectfully ask for urgent enforcement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief