Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14869952
Complaint Overview
Complaint ID: 14869952
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: 11207
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer 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 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 related federal laws, constituting additional 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 30day 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 GrammLeachBliley 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 Metro2/CDIA Violations : Noncompliance with established industry reporting standards New York General Business Law 349 : Deceptive acts and practices unlawful governing fraudulent reporting and consumer deception New York General Business Law 380s : Civil liability for theft of identity unauthorized use of personal identifying information 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 : 1. DEPT OF EDUCATIONXXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate deletion and blocking under FCRA 1681c-2. XXXX. XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate deletion and blocking under FCRA 1681c-2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate removal of late payments under FCRA 1681c-2 XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate removal of late payments under FCRA 1681c-2 XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate removal of late payments under FCRA 1681c-2 XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) ; FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d ; GLBA 6801 ( b ), 6802 ( a ) ; Metro2 errors ; GBL 349, 350 ; New York Executive Law identity theft protections ; GBL 380t breach protections. DEMAND : Immediate removal of late payments under FCRA 1681c-2 Incorrect or Unfamiliar Addresses : 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 deletion and permanent blocking of these addresses under FCRA 1681c-2 due to identity theft and lack of verification. Incorrect Employer Listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking of these employers under FCRA 1681c-2 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.
Frequently Asked Questions
What is Complaint #14869952 about?
Complaint #14869952 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 2025-07-24T12:00:00-05:00.
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.