Consumer complaint received 2025-10-31 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: NV

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 XXXX  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 : XXXX U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. XXXX U.S.C. XXXX : 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. XXXX U.S.C. XXXX : Identity theft and unauthorized misuse of personal data. XXXX U.S.C. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. XXXX Violations : Noncompliance with established industry reporting standards. Nevada XXXX Statutes : Violations relating to identity theft and consumer fraud. FDCPA XXXX U.S.C. XXXX ( b ) : Failure to respond to validation requests within XXXX  days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : XXXX XXXX ( XXXX XXXX, XXXX ( XXXX ), XXXX Nevada Collection Agency Act XXXX XXXX XXXX ( XXXX XXXX, XXXX ( XXXX ), XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) due XXXX identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. XXXX. XXXX ( ORIGINAL CREDITOR : XXXX XXXX  COMPANIES XXXX ) Account Number : XXXX * * * Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX Nevada Collection Agency Act : XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, and XXXX XXXX ( XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. XXXX. SYNCB/JCP Account Number : XXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : XXXX XXXX ( XXXX XXXX, XXXX ( XXXX ), XXXX Nevada Collection Agency Act : XXXX XXXX ( XXXX XXXX, XXXX ( XXXX ), XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) due XXXX identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. XXXX. XXXX ( ORIGINAL CREDITOR : XXXX XXXX  CARD ) Account Number : XXXXXXXX XXXX XXXX XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA XXXX ( b ), XXXX ( a ) XXXX XXXX formatting and accuracy violations NDTPA Nevada Deceptive Trade Practices Act : XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX Nevada Collection Agency Act : XXXX XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, and XXXX XXXX ( XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code XXXX Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Nevada law. Additional Inaccuracies to Remove Incorrect or Unfamiliar Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX BOGEY XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Demand : Immediate deletion and permanent blocking of these addresses under FCRA XXXX, XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ) due to identity theft and lack of verification. Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA XXXX, XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ) due to identity theft and lack of verification. Incorrect Name Listing : XXXX XXXX XXXX, XXXX, XXXX Demand : Immediate deletion and permanent blocking of these names under FCRA XXXX, XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ) due to identity theft and lack of verification. 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 non-monetary relief