Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
XXXX'Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDocument DateXXXX XXXXREQUEST LETTER TO REMOVE INACCURATE INFORMATIONXXXXPlease accept this formal letter as my first request to investigate and remove derogatoryXXXXaccounts/items from my consumer report. Going over my report, I have found it has errors. ItXXXXhas come to my attention that you are reporting what I believe to be inaccurate data, which IXXXXdispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15XXXXU.S.C. $ 1681a(f), you are governed by the Fair Credit Reporting Act (\'FCRA"). 15 U.S.C. XXXX1681, et seq., which protects consumers from inaccurate, outdated, or invalidated informationXXXXreporting of their consumer file. The FCRA states that it\'s the consumer reporting agency\'sXXXXresponsibility to ensure that all information contained within consumer files is accurate and freeXXXXfrom errors. Your company is regularly engaged in the business of assembling, evaluating, andXXXXdisbursing information concerning consumers for the purpose of furnishing consumer reports, asXXXXdefined in 15 U.S.C. $ 1681(d), to third partiesXXXXAccording to federal law, you are required to comply with the requirements imposed under theXXXXFCRA, 15 U.S.C.  1681 et seq., including but not limited to:XXXX1)follow reasonable procedures to assureXXXXmaximum possible accuracy of the information in the\nconsumer report, as required by 15 U.S.C.  1681e(b). This section imposes a high and often\ndisregarded standard on consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (breaking down the requirements of \n1681e(b), and explaining that "assure\' means \'to make sure or certain: put beyond all doubt,"\n\'[maximum\' means the \'greatest in quantity or highest degree attainable[,]\' and \'possible\' means\nsomething falling within the bounds of what may be done, occur or be conceived." XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX comply with the investigation requirements, as required by 15 U.S.C.  1681i;\n3) should not provide consumer files to companies without determining that these companies\nhad a permissible purpose to obtain consumer files pursuant to 15 U.S.C.  1681b;XXXX) provide consumer file pursuant to 15 U.S.C.  1681g; 5) et seq.XXXXAccordingly, I request your company to provide verifiable documentary proof (e.g., original\nconsumer contract or similar proof bearing my wet ink signature on it) you have on file of\naccounts/items listed below. Under the FCRA, if you do not provide documented and verifiable\nproof, you must remove all unverified, invalid, derogatory information from my consumer report.\nFor your convenience, I am sending you a list of the items you need to verify them. These listed\naccounts\nare neither my debts nor my authorized inquiries. Please correct this by the removal of these\nitems from my consumer report. See. Exhibit A.\nUpon completion of your investigation, please send a detailed description of the procedures\nused to determine the accuracy of the accounts/items 1 am disputing, as well as the name and\ncontact information of the agent conducting the said investigation in case further communication\nis necessary.\nI know that your company will need some sort of verification to prove my identity. My information\nis clearly shown below:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief