Consumer complaint received 2025-09-01 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: NJ

Complaint narrative:
To Whom It XXXX Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and Innovis 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 30-day 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 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.

Metro2/CDIA Violations : Noncompliance with established industry reporting standards. 
Florida Criminal Statutes : Violations relating to identity theft and consumer fraud.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case.

FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d : These sections address the improper communication and lack of validation of debts.

GLBA 6801 ( b ), 6802 ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the Gramm-Leach-Bliley Act provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
XXXXXXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
BANK XXXX XXXX Account XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and New Jersey law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) : These sections require accurate reporting and timely investigations when a dispute is made, which has not occurred in this case. 
FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX : These sections address the improper communication and lack of validation of debts. 
GLBA XXXX ( b ), XXXX ( a ) : The failure to maintain accurate records and allow for consumer privacy breaches violates the XXXX XXXX provisions. 
XXXX XXXX Formatting and Accuracy Violations : The violation of XXXX XXXX standards leads to improper reporting, creating issues for consumer credit accuracy. 
New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : The failure to maintain accurate consumer information is a direct violation of New Jersey law, requiring immediate correction. 
New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ) : XXXX agencies must comply with reporting standards, including proper verification. 
New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) : Fraudulent practices, including reporting incorrect data or failing to verify information, violate this statute. 
DEMAND : Immediate removal of all late payments under FCRA XXXX, XXXX. XXXX et seq., XXXX. XXXX et seq., and N.J.S.A. XXXX et seq. due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code XXXX Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. 
Fraudulent Inquiries to Remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate removal of these unauthorized inquiries under FCRA XXXX, XXXX, XXXX ( a ), New Jersey Consumer Credit Reporting Act ( N.J.S.A. XXXX et seq. ), New Jersey Fair Debt Collection Practices Act ( XXXX. XXXX et seq. ), and New Jersey XXXX XXXX XXXX ( XXXX. XXXX et seq. ) due to lack of permissible purpose, absence of written authorization, and violation of consumer protection laws. Provide full documentation of permissible purpose and signed consumer consent for each inquiry. 


Unfamiliar or Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), N.J.S.A. 56:11-29 et seq., N.J.S.A. 56:8-1 et seq., and N.J.S.A. 56:8-2 as they are materially inaccurate and could cause identity confusion or fraudulent association. 

Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), N.J.S.A. 56:11-29 et seq., N.J.S.A. 56:8-1 et seq., and N.J.S.A. 56:8-2 as they are materially inaccurate and could cause identity confusion or fraudulent association. 


Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), N.J.S.A. 56:11-29 et seq., N.J.S.A. 56:8-1 et seq., and N.J.S.A. 56:8-2 as they are materially inaccurate and could cause identity confusion or fraudulent association.

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