Consumer complaint received 2025-09-18 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: ID

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and Innovis for persistent and repeated violations of federal law. Over 30 days 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 : 15 U.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.

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 
XXXXCDIA Violations : Noncompliance with established industry reporting standards. 
Florida Criminal Statutes : Violations relating to identity theft and consumer fraud. 
FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. 
Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX  Account Number: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 ) XXXX XXXX : formatting and accuracy violations Idaho Consumer Protection Act ( ICPA ) Idaho Code 48-603 ( 5 ), 48-603 ( 17 ), 48-603 ( 18 ) ( prohibiting unfair, deceptive, or misleading acts, including inaccurate or misleading credit reporting ) Idaho Collection Agency Act ( ICAA ) Idaho Code 26-2229 ( prohibiting misrepresentation of the character, extent, or amount of a debt and requiring lawful collection practices ) Idaho Consumer Identity Theft Protections Idaho Code 48-603F-103, 48-603F-104 ( requiring blocking and correction of fraudulent accounts, protecting consumers from identity theft ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, Idaho Collection Agency Act ( ICAA ) Idaho Code 26-2229, and the Idaho Consumer Protection Act ( ICPA ) Idaho Code 48-603 ( 5 ), 48-603 ( 17 ), 48-603 ( 18 ) 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 Idaho law. 
Fraudulent Inquiries to Remove 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 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  Demand : Immediate removal of these unauthorized inquiries under FCRA 1681b, 1681c-2, 1681i ( a ), the Idaho Collection Agency Act ( ICAA ) Idaho Code 26-2229, and the Idaho Consumer Protection Act ( ICPA ) Idaho Code 48-603 ( 5 ), 48-603 ( 17 ), 48-603 ( 18 ) 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Demand : Immediate deletion of these inaccurate addresses under FCRA 1681e ( b ), 1681i ( a ), the Idaho Collection Agency Act ( ICAA ) Idaho Code 26-2229, and the Idaho Consumer Protection Act ( ICPA ) Idaho Code 48-603 ( 5 ), 48-603 ( 17 ), 48-603 ( 18 ) as they constitute false and misleading information, harming the accuracy and integrity of my credit file. 

Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate correction or removal of this employer information under FCRA 1681e ( b ), 1681i ( a ), the Idaho Collection Agency Act ( ICAA ) Idaho Code 26-2229, and the Idaho Consumer Protection Act ( ICPA ) Idaho Code 48-603 ( 5 ), 48-603 ( 17 ), 48-603 ( 18 ) for reporting inaccurate employment details without verification or consent. 


Incorrect Names : XXXXXXXX XXXX XXXX XXXX XXXX Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 ( a ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788.13 ( e ), 1788.17, and the Consumer Legal Remedies Act ( CLRA ) Cal. Civ. Code 1770 ( a ) ( 5 ), 1770 ( a ) ( 14 ), as they are materially inaccurate and create a substantial risk of identity confusion, misattribution, 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