Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Innovis, a consumer reporting agency, for their mishandling of my credit information, delay in processing disputes, and continued reporting of unverifiable public record data. Their actions constitute violations of the Fair Credit Reporting Act ( FCRA ), Metro2 compliance standards, and my rights as a consumer under federal law. 

Background On XX/XX/XXXX, a bankruptcy record was filed in the XXXX XXXX  XXXX ( XXXX, XXXX ). 

On XX/XX/XXXX, that bankruptcy was XXXX. 

Despite this discharge, Innovis, along with other credit bureaus, continues to report the bankruptcy in an inaccurate and inconsistent manner across reports. 

Additionally, Innovis has engaged in improper practices by : Delaying dispute processing under the unfounded presumption that consumers working with third parties ( such as credit repair companies ) are not entitled to timely dispute resolution. 

Requiring unnecessary documentation, such as Power of Attorney, which is not supported by FCRA statutes. 

Retaining sensitive personal identification documents despite being prohibited from doing so under 16 CFR 682.3. 

Violations and Issues XXXX. Delay in Processing Disputes Under 15 U.S.C. 1681i, consumer reporting agencies must investigate disputes in a timely manner. 

XXXX  attempted to delay processing by questioning whether letters were prepared by a XXXX  party, which is illegal and discriminatory. Consumers have the right to assistance, and no statute permits such delays XXXX. Improper Handling of XXXX XXXX Bankruptcy records are not directly reported by courts. They are scraped by XXXX-party vendors and transmitted without verification. 

The bankruptcy entry reported by Innovis is inconsistent with other bureaus ( XXXXXXXX XXXX XXXX ), and in some cases, missing required Metro2 data fields ( e.g., creditor name, case details, source verification ). 

This practice violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681i, requiring proper reinvestigation XXXX. Furnishing Incomplete and Unverifiable Data XXXX  furnished bankruptcy information that lacks critical identifiers, making it unverifiable. 

This is a violation of FCRA 623 ( a ), which prohibits furnishing information known to be inaccurate or unverifiable XXXX. Privacy and Data Retention Concerns Innovis requested and retained copies of my drivers license and social security card for verification. 

Under 16 CFR 682.3, such sensitive identification must be purged after verification and not retained or shared. XXXX  failure to comply creates unnecessary exposure and risk of identity theft XXXX. Consumer Rights Violations By reporting outdated and discharged bankruptcy records, XXXX  is violating FCRAs obsolescence rules, which limit how long negative information can be reported after resolution. 

By failing to correct inaccuracies, Innovis is causing unlawful consumer harm and misrepresenting my creditworthiness to lenders Requested Resolution I respectfully demand the following corrective actions : Immediate deletion of the disputed bankruptcy record ( Case XXXX XXXXXXXX ) from my XXXX  credit report. 

Written confirmation that Innovis has deleted the record and provided me with a free updated credit report, as required under 15 U.S.C. 1681j ( b ).

Assurance that Innovis will not delay or obstruct future disputes, regardless of whether XXXX-party assistance is involved. 

Verification that all personal identification documents submitted have been purged in compliance with 16 CFR 682.3.

A description of the procedure used to determine accuracy, provided within XXXX  days of reinvestigation completion, as mandated by FCRA 611 ( a ) ( 6 ). 

Conclusion Innoviss reporting practices, dispute handling delays, and retention of sensitive information represent serious violations of consumer protection laws. These actions have compromised my privacy, misrepresented my credit history, and caused significant harm. I request the CFPBs intervention to enforce compliance, protect my rights, and ensure the immediate correction of my credit report.

Company response to consumer: Closed with explanation