Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15634775
Credit Report Error: Someone Else's Information Appears
Complaint Overview
Complaint ID: 15634775
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: District of Columbia
ZIP Code: 20020
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 15634775 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 that incorrect information belonging to someone else appeared on their credit report, which was handled by CBC Companies, Inc. and closed with non-monetary relief. The complaint was received on August 31, 2025 from District of Columbia. The company responded with "Closed with non-monetary relief".
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 ensure the accuracy of information in consumer reports.
Regulatory Insight
This case highlights the importance of data accuracy and the FCRA's provisions for correcting errors, especially when identity confusion occurs.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in the District of Columbia.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634775 about?
CFPB complaint 15634775 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 August 31, 2025.
Which company is complaint 15634775 filed against?
Complaint 15634775 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 15634775?
CBC Companies, Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 15634775 filed?
Complaint 15634775 was received by the CFPB on August 31, 2025. It was sent to CBC Companies, Inc. on August 31, 2025.
What state was complaint 15634775 filed from?
Complaint 15634775 was filed from District of Columbia. You can view all complaints from this state at /state/DC.
Was the consumer satisfied with the resolution of complaint 15634775?
Dispute information is not available for complaint 15634775.
What product category is complaint 15634775 about?
Complaint 15634775 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 15634775 submitted?
Complaint 15634775 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 15634775?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports. 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 15634775 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 15634775?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a correction was made without significant financial impact.
What regulatory actions apply to complaint 15634775?
This case highlights the importance of data accuracy and the FCRA's provisions for correcting errors, especially when identity confusion occurs. 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 15634775?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 15634775?
The complaint originated in the District of Columbia. This complaint was filed from District of Columbia.
How does complaint 15634775 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer distress.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately contact the credit reporting agency and the furnisher of the information to dispute the error and provide evidence of the mistake.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction or removal of inaccurate information from the credit report, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.