Consumer complaint received 2025-07-17 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: WI

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

GrammLeachBliley 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. 

XXXX Violations : Noncompliance with established industry reporting standards. 

Wisconsin Criminal Statutes : Violations relating to identity theft and consumer fraud. 

Wis. Stat. 943.201 : Unauthorized use of an individuals identifying information ( Class H felony ).

Wis. Stat. 943.203 : Unauthorized use of business/entity identifying information ( Class H felony ).

Wis. Stat. 943.41 ( 3 ) : Financial transaction card theft or misuse ( Class I felony or Class A misdemeanor ).

Wis. Stat. 100.54 / 100.545 : Consumer-reporting agency obligations on accuracy, security freeze placement/removal, and timing.

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 Account Number XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; Wis. Stat. 100.18/100.20, 943.201, 943.203, 100.54 Demand : Immediate deletion and permanent blocking under FCRA 1681c2 ; flagged Dispute Code103 Fraudulent ; full automated suppression. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Violations : FCRA XXXX681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; Wis. Stat. 100.18/100.20, 943.201, 943.203, 100.54 Demand : Immediate deletion and permanent blocking under FCRA 1681c2 ; flagged Dispute Code103 Fraudulent ; full automated suppression. 
Additional Inaccuracies to Remove Fraudulent Hard Inquiry : XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these inquiries under FCRA 1681c-2 due to identity theft and lack of verification. 

Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX, WI Demand : Immediate deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. 

Incorrect Employer Listing : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 due to identity theft and lack of verification.

Company response to consumer: Closed with explanation