Consumer complaint received 2025-06-09 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 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 XXXX 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 : XXXX XXXX. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX XXXX. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to safeguard consumer information XXXX XXXX. XXXX : Identity theft and misuse of personal data XXXX XXXX. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX XXXX XXXX Violations : Noncompliance with industry reporting standards Florida Statutes XXXX : Criminal use of personal identification ( identity theft ) Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX et seq. : Engaging in deceptive and unfair consumer reporting practices Fraudulent and Inaccurate Accounts to Be Removed CORNERSTONE HOME XXXX Account Number : XXXX * * * Laws Violated : XXXX XXXX  XXXX, XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * Laws Violated : XXXX XXXX XXXXXXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
OKLAHOMA XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXX XXXX  XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX  Account Number : XXX * * * Laws Violated : XXXX XXXX XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXX XXXX XXXXXXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : ARIZONA XXXX XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXXXXXX XXXX XXXXXXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX Compliance Violations Request : I request removal and blocking of this account. 
XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXX XXXX  XXXX, FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX XXXX. XXXX, XXXX Compliance Violations Request : I request immediate removal of all late payments. 
Additional Fraudulent Inquiries The following unauthorized inquiries must be removed immediately : XXXX XXXX, XXXX XXXX XXXX XXXX, FACTUAL DATA, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX NA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX, and others XXXX 
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 all XXXX credit bureaus, 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/year> 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 non-monetary relief