Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Delete this account immediately I have found that my credit report has errors. It has come to my attention that Innovis Credit Bureau is reporting what I believe to be inaccurate data, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting on consumers file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX vXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at * XXXX ( E.D XXXX XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of XXXX ( b ), and explaining that " assure ' means XXXX make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting Webster 's Third New International Dictionary 133, 1396, 1771 ( 1993 ) ) ; 2 ) comply with the investigation requirements, as required

by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to request from Innovis Credit Bureau verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) they have on file of accounts/items listed below. Under the FCRA, if Innovis do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my consumer report. See. Exhibit A. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items XXXX am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 
I know that your company will need some sort of verification to prove my identity. My information is clearly shown below :

Company response to consumer: Closed with explanation