Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Innovis and XXXX for persistent and repeated violations of federal law. Over 30days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. Violations Committed by THE BUREAUS : 15U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe. FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. 15U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe. GrammLeachBliley Act ( 15U.S.C. XXXX ) : Failure to adequately safeguard consumer personal information. 18U.S.C. 1028 : Identity theft and unauthorized misuse of personal data. 15U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. Metro2/CDIA Violations : Noncompliance with established industry reporting standards. Tennessee Consumer Protection Act, Tenn. Code 47-18-104 : Engaging in unfair or deceptive acts or practices in consumer transactions. Tennessee Identity Theft Statute, Tenn. Code 39-14-150 : Unauthorized use of personal identifying information for financial gain or access to services without consent. FDCPA 15U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : Disputed Account Details and Demands XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq. Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Tennessee law. 2. CAPITAL ONE Account Number : 515676944080 * * * & 51567694 * * * Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq. Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Tennessee law. 3. AMERICAS CAR Account Number : 11340000 * * * Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq. Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Tennessee law. 4. CAP1/WMT Account Number : 603220008667 * * * Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq. Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Tennessee law. XXXX. XXXX XXXX XXXX  Account Number : CLIY7X * * * Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq. Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. DEMAND : Immediate removal of all late payments under FCRA 1681c-2, Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute Code 106 Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXXXXXX Demand : Immediate removal of these unauthorized inquiries under FCRA 1681b, 1681c-2 , 1681i ( a ), Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann. 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. due to lack of permissible purpose, absence of written authorization, and violation of consumer protection laws. Provide full documentation of permissible purpose and signed consumer consent for each inquiry. Unfamiliar or Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX Demand : Immediate deletion of these inaccurate addresses under FCRA 1681e ( b ), 1681i ( a ), Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann . 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. as they constitute false and misleading information, harming the accuracy and integrity of my credit file. Incorrect Employer : XXXX XXXX Demand : Immediate correction or removal of this employer information under FCRA 1681e ( b ), 1681i ( a ), Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann . 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. for reporting inaccurate employment details without verification or consent. Incorrect Names : XXXX XXXX XXXX Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), Tennessee Consumer Protection Act ( TCPA ) Tenn. Code Ann . 47-18-101 et seq., and Tennessee Collection Service Act Tenn. Code Ann . 62-18-101 et seq. as they are materially inaccurate and could cause identity confusion or fraudulent association. Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. Immediate deletion of all unauthorized hard inquiries. Correction of all inaccurate personal information, including addresses, employers, and names. Provision of updated credit reports from all three bureaus confirming these corrections. Implementation of statutory identity theft protections, including fraud alerts. Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with explanation