Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
am filing this complaint against Innovis Data Solutions , Inc. for publishing false, obsolete, and fraudulent information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), CFPB Regulation V, and the Consumer Financial Protection Act ( CFPA ).

Innovis is reporting : Old and unverified addresses, including locations I have never lived at, Unauthorized hard inquiries resulting from a data breach, False and outdated collection accounts, including XXXX XXXX XXXX, Incorrect and re-aged late payments, and Data no longer present on other credit bureau reports ( XXXX, XXXX, XXXX  ). 

Despite prior disputes, Innovis continues to furnish this information without verification.

II. Specific Issues and Inaccurate Data 1. False Collections and Portfolio Recovery Innovis is reporting multiple collection accounts that are no longer valid or verifiable, including a XXXX XXXX XXXX collection that was never validated and has been deleted from other credit bureaus. 
These collections are outdated, misleading, and harmful to my credit profile.

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ).

Innovis failed to ensure data accuracy or correct errors after dispute.

2. Unauthorized Inquiries from Data Breach My Innovis report shows hard inquiries that were not authorized by me and appear to stem from a data breach or identity theft. 
I did not apply for the credit accounts or services associated with these inquiries.

Violations : FCRA 604 ( a ), ( f ) No permissible purpose for inquiry.

FCRA 605B Failure to block identity-theft-related information.

FCRA 607 ( b ) Failure to ensure accuracy or remove false inquiries. 



XXXX. Fraudulent and Outdated Addresses Innovis lists old and false addresses, including : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX I have never lived at or used this address. Its presence poses a serious identity-theft risk and must be deleted. 

Violations : FCRA 607 ( a ) Failure to follow reasonable procedures for accuracy.

FCRA 605B Failure to block fraudulent identifiers.

FCRA 609 ( a ) Failure to disclose source of reported address.

4. False Late Payments and Re-Aged Accounts Innovis reports false delinquencies and charge-offs on closed or settled accounts, including : XXXX  XXXX Auto Finance : falsely re-aged to appear delinquent in XXXX. 
XXXX Credit Card : falsely marked as 30 days late on a closed account. 

Violations : FCRA 605 ( a ) Reporting obsolete and re-aged information.

FCRA 607 ( b ) Failure to maintain maximum accuracy.

FCRA 623 ( a ) ( 5 ) Misreporting the true date of first delinquency.

III. Pattern of Negligence and Non-Compliance Innovis has repeatedly failed to conduct proper investigations, refused to verify data sources, and continues to report unverifiable information after disputes violating FCRA 611 ( a ) and 607 ( b ).

Its continued publication of false and harmful information demonstrates willful noncompliance under FCRA 616617, and unfair and deceptive practices under CFPA 55315536. 



IV. Expanded Legal Violations Innovis is in violation of : FCRA ( 15 U.S.C. 602, 604, 605 ( a ) ( b ), 605AB, 607 ( a ) ( b ), 609 ( a ), ( e ), 611 ( a ), 612, 615 ( a ), 623 ( a ) ( 1 ) ( 5 ), 623 ( b ), 616617 ) CFPB Regulation V ( 12 C.F.R. Part 1022, including 1022.43 & Appendix E ) CFPA ( 12 U.S.C. 55315536 ) GLBA ( 15 U.S.C. 6801 et seq. ; 16 C.F.R. Part 314 ) Violations include : Reporting data without permissible purpose ( 604 ).

Reporting obsolete information ( 605 ).

Failure to block fraudulent identity-theft information ( 605B ).

Failure to follow reasonable accuracy procedures ( 607 ).

Failure to reinvestigate disputes ( 611 ).

Continuing to furnish false data ( 623 ).

Engaging in unfair or deceptive acts ( CFPA ). V. Harm Caused Because of Innoviss unlawful
reporting : My credit score and reputation have been damaged.

I have been misrepresented to lenders as delinquent.

My personal data and identity have been compromised. 
I have suffered emotional distress and loss of financial opportunity. 

Innovis Data Solutions , Inc. is in violation of the Fair Credit Reporting Act, CFPB Regulation V, and the Consumer Financial Protection Act for publishing false, obsolete, and fraudulent information despite repeated disputes. 

I am requesting the immediate removal of all unverified, obsolete, and false information from my Innovis credit file, and that Innovis provide me written confirmation of compliance within 30 days.

Company response to consumer: Closed with explanation