Consumer complaint received 2025-05-29 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:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Innovis and XXXX for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations.

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards California Law Violations : California Civil Code 1798.92 et seq. Identity Theft Protection Act California Penal Code 530.5 Identity theft California Civil Code 1785.25 ( a ) Inaccurate credit reporting California Business & Professions Code 17200 et seq. Unfair and deceptive business practices Fraudulent and Inaccurate Accounts to Be Removed : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Request : Removal and blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Request : Removal and blocking of this account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX  Request : Removal and blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

XXXX  XXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

XXXX XXXXXXXX Account Numbers : XXXXXXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Request : Removal and blocking of this account. 

Additional Fraudulent Inquiries : Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others .

Issue : Conducted without written authorization or permissible purpose Violations : FCRA 1681b : Lack of permissible purpose California Business & Professions Code 17200 : Deceptive inquiry practices Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above Compel deletion of all unauthorized hard inquiries Mandate removal of inaccurate personal information, including addresses and employers Require written confirmation from Innovis and XXXX, including updated credit reports Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law Initiate investigation and sanctions for failure to comply with FCRA deadlines Fine or discipline bureaus for their willful neglect of legal obligations Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/scrub> 2025 Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with explanation