Consumer complaint received 2025-04-30 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:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Innovis and XXXX for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards California Penal Code Violations related to identity theft and consumer fraud, including but not limited to : Cal. Penal Code 530.5 : Unauthorized use of personal identifying information Cal. Penal Code 484ej : Fraudulent use of access cards and related information Cal. Penal Code 502 ( c ) : Unauthorized access to computers, systems, and data California Civil Code 1798.85 : Protection of Social Security Numbers California Consumer Privacy Act ( CCPA ) [ Cal. Civ. Code 1798.100 et seq. ] : Failure to safeguard and provide access to consumer personal data Fraudulent Accounts and ViolationXXXX XXXXA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXaws Violated : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 15 U.S.C. 1692g ( Debt Validation ) FCRA 607 ( b ) ( Accuracy of Reporting ) FCRA 611 ( a ) ( Investigation of Disputes ) Metro2 Compliance Violations ( Inaccurate Reporting ) Request : I request removal and blocking of this account. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXws Violated : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) FCRA 607 ( b ) ( Accuracy of Reporting ) FCRA 611 ( a ) ( Investigation of Disputes ) XXXX Compliance Violations ( Inaccurate Reporting ) Request : I request removal and blocking of this account. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXaws Violated : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) FCRA 607 ( b ) ( Accuracy of Reporting ) FCRA 611 ( a ) ( Investigation of Disputes ) Metro2 Compliance Violations ( Inaccurate Reporting ) Request : I request correcting and removing late payments on this account. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Laws Violated : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) FCRA 607 ( b ) ( Accuracy of Reporting ) FCRA 611 ( a ) ( Investigation of Disputes ) XXXX Compliance Violations ( Inaccurate Reporting ) Request : I request correcting and removing late payments on this account. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXaws Violated : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) FCRA 607 ( b ) ( Accuracy of Reporting ) FCRA 611 ( a ) ( Investigation of Disputes ) Metro2 Compliance Violations ( Inaccurate Reporting ) Request : I request correcting and removing late payments on this account. 

Additional Fraudulent Inquiries The following unauthorized inquiries must be removed immediately : 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 

Incorrect Addresses Please remove the following addresses, which are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers The following employer entries are inaccurate and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name entries are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 

Compel deletion of all unauthorized hard inquiries. 

Mandate removal of inaccurate personal information, including addresses and employers. 

Require written confirmation from Innovis and XXXX, including updated credit reports. 

Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 

Initiate investigation and sanctions for failure to comply with FCRA deadlines. 

XXXX or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security XXXX Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief