Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of both federal and Georgia state law. Over XXXX XXXX ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The credit bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and Georgia consumer protection statutes, constituting further violations. 
Violations Committed by the Bureaus : Federal Law Violations : 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 XXXX 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. 


Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to 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 victim assistance, fraud alerts, and recovery tools. 


Metro2/CDIA Guidelines : Failure to comply with industry-standard reporting requirements. 


FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to debt validation requests within 30 days. 


Georgia State Law Violations : O.C.G.A. 10-1-393 : Unfair or deceptive acts or practices in consumer transactions.

O.C.G.A. 16-9-121 : Identity fraudknowingly using or possessing another persons identifying information without consent. 


O.C.G.A. 16-9-124 : Obligation to provide accurate and secure disclosure of personal information after identity theft is reported.

O.C.G.A. 10-1-911 et seq. : Georgia 's data breach notification law.

O.C.G.A. 10-1-393.8 : Failure to place a security freeze on a consumer 's credit report upon request. 


Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations GA Law : O.C.G.A. 10-1-393, 10-1-393.5, 10-1-393.8, 10-1-910 through 913 DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Incorrect Name XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts .

Immediate deletion of unauthorized hard inquiries. 


Correction of inaccurate personal information, including addresses, employers, and names. 


Provision of updated credit reports from all three bureaus confirming corrections. 


Full implementation of identity theft protections under 15 U.S.C. 1681c-1 and O.C.G.A. 10-1-393.8 ( Georgias security freeze provision ). 


Investigation and sanctions for failure to meet federal and state deadlines under FCRA, FDCPA, and Georgia Fair Business Practices Act ( FBPA ).

Imposition of civil penalties or fines where violations were willful or negligent. 


Supporting Documentation Previously Submitted : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current residence Dispute letters sent to creditors Declaration : I affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the severe harm caused by these unlawful actions, I request urgent intervention from the CFPB and relevant Georgia authorities to uphold my consumer rights and restore the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief