Consumer complaint received 2025-06-25 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:
To Whom It May Concern : This letter serves as your final notice and legal demand to immediately delete and permanently block the reporting of all fraudulent accounts and personal information associated with identity theft that appear on my credit file. I have enclosed a copy of my government-issued ID, Social Security number, and my FTC Identity Theft Report No. XXXX dated XX/XX/year>, in full compliance with 15 U.S.C. 1681c-2 and 605B of the Fair Credit Reporting Act. 

I did not authorize, apply for, or open any of the following accounts : Fraudulent Accounts Identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for Demand : 1. 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires consumer reporting agencies to block identity theft-related information within 4 business days upon receiving proof of identity theft. I have submitted all required documents.

2. 15 U.S.C. 1681b You are strictly prohibited from accessing or reporting my personal information without my written consent. I have never given you such authorization.

3. 15 U.S.C. 1681s-2 The furnishers of this information are required to report accurate data. You are knowingly continuing to report information that has been proven to be fraudulent, constituting willful noncompliance.

4. 15 U.S.C. 1681i You are obligated to perform a reinvestigation upon dispute. Given the identity theft evidence provided, continued reporting constitutes negligent violation of this section. 



Your Legal Obligations and My Demand : Immediately DELETE and BLOCK all fraudulent tradelines and personal data listed above. 
Cease and desist all reporting of this data to any third party. 
Provide a full summary of your investigation, including : Method of verification Source of the information Results of the reinvestigation Failure to comply will result in the following actions without further notice : 1. Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office.

2. Lawsuit in federal and/or small claims court seeking : Statutory damages under 15 U.S.C. 1681n and 1681o Actual damages, including emotional distress and financial harm Attorney fees and costs You are now on notice. You have 15 days from receipt of this letter to delete and block all fraudulent information or face legal consequences. 

Sincerely, XXXX XXXX XXXX FTC ID Theft Report No. XXXX XXXX

Company response to consumer: Closed with non-monetary relief