Consumer complaint received 2025-04-30 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: NV

Complaint narrative:
This complaint is being filed both through the Consumer Financial Protection Bureau ( CFPB ) and simultaneously as a formal legal notice of violation and noncompliance to XXXX XXXX 

XXXX is knowingly furnishing fraudulent checking account information to TransUnion despite : XXXX. Receiving multiple valid identity theft affidavits and federal filings XXXX. Misrepresenting the legal requirements of the FCRA by falsely claiming that a police report is mandatory XXXX. Ignoring precedents of proper CRA behavior most notably Early Warning Systems, which lawfully honored the same documentation and blocked all records XXXX. Violating federal law repeatedly and willfully under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Refutation of XXXX  XX/XX/XXXX Response : XXXX denied my prior identity theft dispute based on a false legal assertion : that I must submit a police report to initiate an identity theft block. 

This is absolutely false. Under FCRA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, the law clearly states : An identity theft report means a report that ( A ) alleges a fraud or identity theft ; ( B ) is filed by a consumer with a law enforcement agency, the FTC, or other government agency. 

The FTC identity theft reports I submitted are legally valid and meet every statutory requirement. Your refusal to act on these constitutes willful misinterpretation of federal law, exposing you to civil liability under FCRA XXXX. 



Evidence of Identity Theft Submitted to XXXX XXXX XXXX  has received the following : FTC Identity Theft Report # XXXX : Confirms fraudulent use of my identity involving XXXX XXXX XXXX XXXX XXXXXXXX and XXXX FTC Report # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX Bank and other financial institutions XXXX Complaint # XXXX : Filed XX/XX/XXXX documenting debit fraud, and account misuse across multiple financial institutions XXXX Complaint # XXXX : Filed XXXX XXXX updates XXXX as a key transmitter of the XXXX XXXX XXXX Bank XXXX XXXX Breach Notification : Confirms criminal data breach involving my name, SSN, date of birth, and account credentials Early Warning Systems Block Confirmation : Demonstrates that a peer CRA honored all identity theft documentation and removed the exact same banking data, proving XXXX  is an outlier in violation Current Reporting ( as of XX/XX/XXXX ) : XXXX is furnishing the following fraudulent data to TransUnion : Two DDA account closures {$6200.00} in unpaid checking debt Ten DDA-related inquiries over a three-year period This has caused actual credit denials and reputational harm. 



Federal Violations Committed by XXXX : XXXX. FCRA XXXX Failure to Block Within XXXX Days : XXXX ignored valid reports and refused the required identity theft block. 
XXXX. FCRA XXXX No Reasonable Reinvestigation : XXXX conducted no reinvestigation and instead rejected my reports without merit. 
XXXX. FCRA XXXX ( XXXX ) Failure to Provide XXXX Records : XXXX  denied my request to see documentation of the accounts they report. 
XXXX. FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Knowingly Furnishing False Data : XXXX continues to report known fraudulent data despite being lawfully notified. 
XXXX. FCRA XXXX Willful Noncompliance : XXXX policy of demanding police reports shows willful disregard for FCRA statutory definitions. 
XXXX. FCRA XXXX Negligent Noncompliance : By failing to act, XXXX has caused measurable harm and lost opportunities.

Company response to consumer: Closed with non-monetary relief