Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10744446
Complaint Overview
Complaint ID: 10744446
Company: Cbc Companies, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: New York
ZIP Code: 11570
Date Received: 2024-11-09T12:00:00-05:00
Date Sent to Company: 2024-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. Kind regards, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10744446 about?
Complaint #10744446 was filed against Cbc Companies, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-09T12:00:00-05:00.
How did Cbc Companies, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Cbc Companies, INC.?
Yes, visit the Cbc Companies, INC. company profile at readthecomplaint.com/company/cbc-companies-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.