Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( XXXX  ) 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 XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( XXXX  ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX U.S.C. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XX/XX/XXXXdays FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX U.S.C. XXXX : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) : Failure to safeguard consumer information XXXX U.S.C. XXXX : Identity theft and misuse of personal data XXXX U.S.C. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards Nevada Revised Statutes ( XXXX ) Chapter XXXX Fraud and False Personation : Violations related to identity theft and consumer fraud ( e.g., XXXX XXXX, XXXX XXXX, XXXX XXXX ) Fraudulent Accounts and Violations : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ATHLETIC CLUBS ) Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX BANK XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX ( ORIGINAL CREDITOR : THE DISTRICT ON XXXX ) Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX Account XXXX : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

XXXX XXXX ( ORIGINAL CREDITOR : XXXX THE DISTRICT ON XXXX ) Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX Compliance Violations Request : I request removal and blocking of this account. 

Additional Fraudulent Inquiries : Unauthorized credit inquiries by : XXXX, XXXX, XXXX FINANCIAL, XXXX XXXX SERVICE, XXXX  XXXX AUTO FIN, XXXX XXXX ACCE, XXXX XXXX XXXX, XXXX XXXX VIA DEALER, XXXX  FIN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT XXXX XXXX AUTONATION FINANCE/DS, 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 CA XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX NA, XXXX XXXX BANK XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and others XXXX be removed XXXX. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, NV XXXX Incorrect Employers : XXXX XXXX XXXX HOTELS Incorrect Names : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

Supporting Documentation Previously Submitted to Bureaus : XXXX XXXX XXXX XXXX XXXXy card 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 explanation