Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
NAME NOT RIGHT XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adresses that need to go XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SUN TERRACE XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00} Bank Credit Card tow things not showing right the balance reads XXXX in XXXX and also the credit limit show at XXXX on XXXX but not XXXX and XXXX ********************************* XXXX XXXX XXXX {$630.00} XX/XX/XXXX the close date is missing on XXXX and XXXX but not XXXX the XXXX is a bank credit card stating all type not accurate credit limit is XXXX based on XXXX and XXXX but XXXX relects XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} let me XXXX XXXX XXXX XXXX XXXX XXXX XXXXg date reflects on XXXX but not XXXX nor XXXX XX/XX/XXXX also last payment date XXXX discrepancy XXXX reports XXXX XXXX too but XXXX shows the last pay date XXXX XXXX XXXX XXXX but XXXX and XXXX show XXXX this accounts shows these large discrepanices *************************************************************************************************************************** XXXX XXXX XX/XX/XXXX {$0.00} the account also shows a large discrepancy the date opened was XXXX on XXXX however XXXX says it was the first XXXX this is incorrect whose right here ?, now it states las time reported XXXX I never recived any notification of collection or any late so what is this? 
********************************************************************************************************************************************** XXXX XXXX XX/XX/XXXX XXXX ***************************************************************************** XXXX XXXX XX/XX/XXXX XXXX ***************************************** XXXX XXXX XXXX XX/XX/XXXX XXXX *********************************************** XXXX email XXXX Twist XXXX XXXX $ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am writing to dispute the validity of the alleged debts and to address the discrepancies in my credit report related to the following accounts : Names Not Associated with Me : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX Sun Terrace XXXX, XXXX XXXX XXXX, FL XXXX Disputed Accounts and Inaccuracies : XXXX XXXX XXXX Account XXXX : XXXX ) ** Date Opened : XX/XX/XXXX Balance on XXXX : {$0.00} Credit Limit : {$140.00} ( XXXX on XXXX ) Issue : Balance reads {$0.00} on XXXX, and credit limit shows XXXX on XXXX but not on XXXX and XXXX. 

XXXX Bank ( Account No : XXXX ) ** Date Opened : XX/XX/XXXX Balance : {$630.00} Credit XXXX XXXX {$400.00} ( XXXX on XXXX XXXX Issue : Close date missing on XXXX and XXXX but not on XXXX XXXX Type of account is inaccurately reported as all type instead of bank credit card. 

XXXX ( Account No : XXXX ) ** Date Opened : XX/XX/XXXX Balance : {$1000.00} Closing Date : XX/XX/XXXX ( on XXXX, missing on XXXX and XXXX ) Last Payment Date : XX/XX/XXXX ( on XXXX and XXXX, XX/XX/XXXX on XXXX ) Issue : Multiple discrepancies in opening and closing dates across bureaus. 

XXXX ( Account No : XXXX ) ** Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : XXXX reports opened XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and I never received any notification of collection or late payment. Last reported date shows XXXX. 

XXXX ( Account No : XXXX ) ** Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Account XXXX : XXXX ) ** Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Account No : XXXX ) ** Date Opened : XX/XX/XXXX Credit Limit : {$460.00} Formal Demand for Validation : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), I am requesting that you provide proper validation and verification of the debts listed above within 15 days of receiving this letter. You are required to provide the following : Complete Validation of Debt : Provide the name and address of the original creditor, the complete account number, and an itemized statement of the debt, including principal, interest, fees, and any other charges. 
Provide a copy of any contract or agreement bearing my signature that obligates me to this debt. 

Verification of Legal Standing : Supply documents that demonstrate you have the legal right to collect this debt, including a chain of title showing the transfer of this debt from the original creditor to your agency. 

Proof of Accurate Reporting : Under FCRA, XXXX XXXX. XXXX ( b ), you are required to ensure that the information you report to credit reporting agencies is accurate and complete. Provide a detailed explanation of how you verified this debt before reporting it, including a record of any communications with the original creditor.

Company response to consumer: Closed with non-monetary relief