Consumer complaint received 2025-07-15 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: OH

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 30day 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 GrammLeachBliley 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 XXXX Violations : Noncompliance with established industry reporting standards Ohio Consumer Sales Practices Act ( OCSPA ), Ohio Rev . Code 1345.011345.99 : Engaging in unfair, deceptive, or unconscionable acts or practices in consumer transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio Identity Theft Statute ( ORC 2913.49 ) : Fraud or misuse of personal identifying information oXXXX XXXX XXXX XXXX XXXX XXXX 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 : 1. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev . Code 1345.02, 1345.03 DEMAND : Immediate deletion and blocking under FCRA 1681c2. 


2. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 DEMAND : Immediate deletion and blocking under FCRA 1681c2. 


3. XXXX XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 DEMAND : Immediate deletion and blocking under FCRA 1681c2. 


4. XXXX  XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 DEMAND : Immediate deletion and blocking under FCRA 1681c2. 


5. XXXX, XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 DEMAND : Immediate deletion and blocking under FCRA 1681c2. 


6. XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 DEMAND : Immediate removal of late payments under FCRA XXXX. 


7. XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev . Code 1345.02, 1345.03 DEMAND : Immediate removal of late payments under FCRA 1681c-2 8. CHILD SUPPORT ENFORCEM Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 I am formally disputing the accuracy and continued reporting of the CHILD SUPPORT ENFORCEM tradeline, which appears on all three credit bureaus ( XXXX, XXXX, and XXXX  ) with a closed status, {$0.00} balance, {$0.00} past due, and clearly marked as paid in full. This tradeline reflects a child support obligation that was submitted to collections but was ultimately satisfied, with no outstanding delinquency or balance. However, the account is still appearing with unnecessary notations such as account submitted to collection and is coded as a collection-type remark, which negatively affects my creditworthiness despite the debt being resolved. This is misleading, incomplete, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit bureaus report information with maximum possible accuracy. 

Furthermore, under Ohio Revised Code 1345.02, it is considered an unfair or deceptive practice to misrepresent the character, extent, or status of a debt in consumer reporting. The ongoing presence of collection-related language for a paid and closed family support account implies unresolved liability and is harmful, especially when no late payments, delinquency balances, or open obligations exist. The closed date, last payment, and collection date are all listed as XX/XX/XXXX, confirming final resolution over XXXX years ago. I am requesting immediate correction or removal of this entry to reflect the accurate and complete status of the account : closed, resolved, and not actively collectible. Please complete your reinvestigation under FCRA 1681i ( a ) and confirm the outcome in writing. 
9. XXXXXXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX2 : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 I am formally disputing the reporting of the XXXX XXXX XXXX tradeline associated with account number ending in XXXX. The account is marked as included in XXXX  XXXX bankruptcy and shows a closed date of XX/XX/XXXX, yet continues to reflect derogatory remarks such as BANKRUPTCY OR WAGE EARNER and ACCOUNT INCLUDED IN XXXX XXXX BANKRUPTCY under both XXXX  and XXXX. The tradeline is also shown as unrated, with no current balance, no payment activity, and the last payment dated as far back as XX/XX/XXXX. Continuing to display this account with derogatory codes and labels after it has been fully discharged and closed is misleading, outdated, and damaging to my credit profile. It violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), which restricts the inclusion of outdated or misleading public record information, and 1681e ( b ), which requires the reporting of accurate and up-to-date information. 

Furthermore, under Ohio Revised Code 1345.02, it is considered an unfair or deceptive act to misrepresent the legal status of a debt or continue to report it in a manner that implies ongoing delinquency after resolution through federal bankruptcy proceedings. The tradeline should accurately reflect that the debt was discharged  in bankruptcy, with all derogatory labels, codes ( e.g., 7 ), and collection-level language removed in accordance with federal discharge protections. I am requesting immediate reinvestigation and correction of this tradeline to properly reflect the discharged status and ensure compliance with federal and state consumer protection laws. Please complete the reinvestigation in accordance with FCRA 1681i ( a ) and provide written confirmation of the outcome. 
10. XXXX BANKRUPTCY Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX : Reporting format violations OH Law : Ohio Rev. Code 1345.02, 1345.03 I am formally disputing the continued reporting of the XXXX XXXX Bankruptcy public record from U.S. Bankruptcy Court in XXXX, OH, docket XXXX, originally filed in XX/XX/XXXX and marked discharged as of XX/XX/XXXX. This entry has been reported by all three bureaus ( XXXX, XXXX, and XXXX  ), but is now well beyond the period where it should remain as a factor in active decision-making regarding my credit. There is no balance, no open liability, and no remaining asset activity, and the bankruptcy status is listed as DISCHARGED. However, its continued presence on my report in a general public records section without contextual clarification can mislead creditors and underwriters and create undue harm. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all information included in consumer reports be accurate, complete, and up-to-date. 

Additionally, under Ohio Revised Code 1345.02, it is considered an unfair or deceptive practice to misrepresent or fail to fully disclose the resolved status of a debt. If a bankruptcy has been legally discharged, it should not continue to appear in a manner that could be construed as pending, unresolved, or suggestive of ongoing financial instability. I request that this public record entry be either fully removed or updated with explicit clarifying remarks reflecting that the bankruptcy was successfully discharged with no remaining financial obligation, and is being reported for archival purposes only. Please complete this reinvestigation under FCRA 1681i ( a ) and provide written confirmation of the resolution. 
Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 
Immediate 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 card Official 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