Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11311396
Complaint Overview
Complaint ID: 11311396
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 is missing that should be on the report
State: Texas
ZIP Code: 78212
Date Received: 2024-12-28T12:00:00-05:00
Date Sent to Company: 2024-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : XXXX Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. Account XXXX or XXXX : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Frequently Asked Questions
What is Complaint #11311396 about?
Complaint #11311396 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 2024-12-28T12:00:00-05:00.
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.