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 — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
b'To Whom It May Concern,\n I asked Innovis in writing to properly investigate a dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ([15 USC  1681i](b)). I am exercising my right to challenge and correct any inaccuracies in my consumer information.\n\nFirst off they never had any consent to put XXXX XXXX XXXX XXXXnd U.S. Department of Education on the report and they violated my right of consent.\nnext they reinserted These two accounts without knowledge or warning. They had 5 days to do so and they letter they sent came XXXX XXXX XXXX I put this dispute in on XXXX XXXX XXXX  requested a thorough investigation into these items and expect their removal or correction based on the findings. Moreover, [15 USC  1681s-2(a)(1)] requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The casXXXX XXXX XXXX XXXX XXXX XXXX  underscores the obligation to verify significant negative entries. They never completely addressed the discrepancies.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AuthorizedUser\n Account Rating: CollectionOrChargeOff\n Account Status: Closed\n Account Type: Revolving\n Balance Owed: XXXX Closed Date:-\nCredit Limit: XXXX  Creditor Remarks:\n CHARGED OFF\n ACCOUNT\n Creditor Type: Banking\n Date Opened: XXXX Date Reported: XXXX XXXX XXXX XXXX XXXX XXXX\n Dispute Status: N\n High Balance:-\nLast Payment:-\nLast Verified: XXXX  Past Due Amount:-\nPayment Amount:-\nPayment\n Frequency:-\nPayment Status: CollectionOrChargeOff\n Term Length:-\nLoan TypeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcount Status: Open Open\n Account Type: Open Open\n Balance Owed: $956.00 $956.00\n Closed Date:---\nCredit Limit:--0\n\n Innovis Consumer Assistance\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 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 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 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 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 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 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

Company response to consumer: Closed with explanation