Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828494
Incorrect Identity Information on Credit Report Resolved
Complaint Overview
Complaint ID: 13828494
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: Texas
ZIP Code: 77304
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 13828494 was filed against CBC Companies, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on May 31, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information.
Regulatory Insight
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and the resolution indicates a standard process was followed.
Industry Comparison
Disputes regarding incorrect personal information on credit reports are common within the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828494 about?
CFPB complaint 13828494 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against CBC Companies, Inc. on May 31, 2025.
Which company is complaint 13828494 filed against?
Complaint 13828494 was filed against CBC Companies, Inc.. You can view all complaints against this company on their profile page at /company/cbc-companies-inc.
What was the company's response to complaint 13828494?
CBC Companies, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828494 filed?
Complaint 13828494 was received by the CFPB on May 31, 2025. It was sent to CBC Companies, Inc. on May 31, 2025.
What state was complaint 13828494 filed from?
Complaint 13828494 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 13828494?
Dispute information is not available for complaint 13828494.
What product category is complaint 13828494 about?
Complaint 13828494 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13828494 submitted?
Complaint 13828494 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13828494?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to investigate disputes and correct inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against CBC Companies, Inc. involving "Incorrect information on your report".
How likely is complaint 13828494 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13828494?
This complaint is rated as low risk. The risk is low as the issue was closed with an explanation, suggesting it was addressed and resolved by the credit reporting agency.
What regulatory actions apply to complaint 13828494?
This case highlights the importance of FCRA compliance in ensuring the accuracy of consumer credit reports. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13828494?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 13828494?
The complaint originated in Texas, and the resolution indicates a standard process was followed. This complaint was filed from Texas.
How does complaint 13828494 compare to industry norms?
Disputes regarding incorrect personal information on credit reports are common within the credit reporting industry.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. They should also consider contacting the creditor or entity that reported the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.