Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am formally demanding that the Consumer Financial Protection Bureau ( CFPB ) take immediate and decisive enforcement action against Innovis and XXXX for their flagrant and ongoing violations of federal consumer protection laws. Both agencies have engaged in deliberate noncompliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, the Identity Theft and Assumption Deterrence Act, and the Metro 2 reporting guidelines , thereby causing substantial harm to me as a consumer. 

Despite my formal dispute letters sent on XX/XX/year>2025, these credit reporting agencies have failed to correct fraudulent accounts, unauthorized inquiries, and personal information inaccuracies in my credit file. Their failure to investigate, correct, and ensure accuracy of reported data constitutes deliberate violations of multiple statutes, warranting immediate regulatory enforcement and legal repercussions. 

I. Background and Disputed Items A. Fraudulent and Inaccurate Accounts The following accounts have been reported inaccurately and fraudulently : XXXX XXXX ( Account # : XXXX ) Incorrect reporting ; inconsistent balances. 

XXXX XXXX  XXXX ( Account # : XXXX ) Charged-off, canceled by credit grantor ; discrepancies in status. 

XXXX XXXX XXXXXXXX ( Account # : XXXX ) Misreported settlement and balances. 

XXXX ( Account # : XXXX ) Inaccurate charge-off reporting. 

XXXX XXXX ( Account # : XXXX ) Incorrect dispute resolution status. 

XXXX XXXX XXXXXXXX ( Account # : XXXX ) Charged-off account ; inaccurate reporting details. 

B. Unauthorized Credit Inquiries These inquiries were unauthorized and unlawfully reported in violation of FCRA 1681b ( a ) ( 2 ) : XXXX XXXX XXXX C. Incorrect Personal Information The following inaccurate addresses are violations of FCRA 1681c ( a ) and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX II. Legal Violations & Enforcement Justification The following violations of federal law require immediate CFPB enforcement : FCRA 1681e ( b ) : Failure to ensure accuracy of reported information.

FCRA 1681i ( a ) : Failure to conduct reasonable reinvestigations.

FCRA 1681c ( a ) : Reporting inaccurate personal data.

FCRA 1681b ( a ) ( 2 ) : Unauthorized inquiries without consumer consent.

FDCPA 1692g : Failure to validate debts.

Gramm-Leach-Bliley Act 6801-6809 : Failure to protect consumer data.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Unlawful reporting of fraudulent accounts.

Metro 2 Reporting Guidelines : Gross inconsistencies and violations.

III. Demands for Immediate Enforcement Given the documented violations, I demand immediate enforcement action from the CFPB to : Mandate immediate removal and permanent blocking of fraudulent accounts, unauthorized inquiries, and incorrect personal information. 

Impose penalties and fines against Innovis and XXXX for continued legal violations. 

Enforce compliance with Metro 2 Reporting Standards to ensure data accuracy and consistency.

Order written confirmation and corrective action ensuring my credit reports reflect mandated corrections.

Failure to act will result in further escalation, including litigation for statutory damages and formal complaints filed with additional regulatory bodies.

IV. Enclosures I have enclosed supporting documents including copies of dispute letters, identification, proof of address, and police reports related to identity theft.

I certify under penalty of perjury that all information contained herein is true and accurate. Immediate CFPB intervention is required to rectify these violations and enforce compliance.

Thank you for your urgent attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief