Consumer complaint received 2025-09-22 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:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis and XXXX for persistent and repeated violations of federal 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 Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe. FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. 15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe. Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information. 18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data. 15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. Metro2/CDIA Violations : Noncompliance with established industry reporting standards. California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785.1 et seq. : State law requiring credit reporting agencies to provide consumers with rights to inspect files, dispute inaccuracies, block identity theft-related items, provide free credit reports to identity theft victims, etc. California Identity Theft Act ( CITA ), Cal. Civ. Code 1798.92 et seq. : Statute allowing victims of identity theft to bring actions, establish innocence, block fraudulent claims, etc. advocatemagazine.com FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : Disputed Account Details and Demands 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 ) Metro 2 formatting and accuracy violations California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 ( a ) Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788.13 ( e ), 1788.17 Consumer Legal Remedies Act ( CLRA ) Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Cal. Civ. Code 1785.25 ( a ), Cal. Civ. Code 1788.13 ( e ), 1788.17, and Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and California law. 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 ) Metro 2 formatting and accuracy violations California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 ( a ) Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788.13 ( e ), 1788.17 Consumer Legal Remedies Act ( CLRA ) Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Cal. Civ. Code 1785.25 ( a ), Cal. Civ. Code 1788.13 ( e ), 1788.17, and Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and California law. 3. BANKRUPTCY : CHAPTER XXXX BANKRUPTCY 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 ) Metro 2 formatting and accuracy violations California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 ( a ) Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788.13 ( e ), 1788.17 Consumer Legal Remedies Act ( CLRA ) Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ) I am formally disputing the reporting of the Chapter XXXX bankruptcy ( Reference # XXXX, filed/reported XX/XX/XXXX, closed XX/XX/XXXX ) currently appearing on my credit report. This reporting is inaccurate, misleading, and unverifiable at its source. Bankruptcy courts, including the XXXX Bankruptcy Court in XXXX, do not furnish consumer credit information to credit reporting agencies. Therefore, any reporting of this bankruptcy by Equifax, Experian, or TransUnion is based on unverifiable third-party data and can not be substantiated. Continued reporting of this item constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, which require maximum possible accuracy and mandate the deletion of unverifiable information. It further violates the Gramm-Leach-Bliley Act ( GLBA ) and Metro 2 Compliance Standards , which prohibit the publication of misleading or incomplete consumer data. In addition, under California law, this reporting violates the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.14 ( b ) ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. It also violates the XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), which prohibits the reporting or collection of false, misleading, or inaccurate information. Because this bankruptcy was XXXX more than XXXX years ago, with {$0.00} liability and no remaining debt obligations, its continued reporting is not only misleading but also unlawful under both federal and California state law. I hereby demand the immediate deletion of this bankruptcy from my credit file. If you fail to remove this unverifiable and inaccurate entry within the statutory timeframe, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney Generals Office, and pursue civil remedies under 15 U.S.C. 1681n and California Civil Code 1785.31, which provide for actual, statutory, and punitive damages, along with attorneys fees, for willful noncompliance. Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2, California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.16.2, and Rosenthal Fair Debt Collection Practices Act Cal. Civ. Code 1788.17 due to identity theft and lack of verification. Incorrect or Unfamiliar 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 Demand : Immediate deletion and permanent blocking of these addresses under FCRA XXXX, California Consumer XXXX Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.16.2, and Rosenthal Fair Debt Collection Practices Act Cal. Civ. Code 1788.17 due to identity theft and lack of verification. Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2, California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code XXXX, and XXXX Fair Debt Collection Practices Act Cal. XXXX. Code XXXX due to identity theft and lack of verification. Incorrect Name Listing : XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA XXXX, California Consumer XXXX Reporting Agencies Act ( XXXX ) XXXX. XXXX. Code XXXX, and XXXX Fair Debt Collection Practices Act Cal. XXXX. Code XXXX due to identity theft and lack of verification. Requested XXXX from the CFPB : XXXX enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. XXXX deletion of all unauthorized hard inquiries. Correction of all inaccurate personal information, including addresses, employers, and names. Provision of updated credit reports from all three bureaus confirming these corrections. Implementation of statutory identity theft protections, including fraud alerts. Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. Supporting Documentation Previously Submitted : Government-issued photo identification Social Security XXXX XXXX police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, 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 creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief