Consumer complaint received 2026-02-16 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: NC

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX  - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated.

Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. 
XXXX XXXX - XX/XX/year> - Invalid and unauthorized inquiry- Inquiry has no Permissible purpose. Please REMOVE it from my credit report XXXX  XXXX  - XX/XX/year> - Invalid and unauthorized inquiry - Inquiry has no Permissible purpose. Please REMOVE it from my credit report In violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation