Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16283143
Incorrect Identity Information on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 16283143
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: South Carolina
ZIP Code: 29479
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-10-03T12:00:00-05:00
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 successful correction without financial loss or significant ongoing impact.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 16283143 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. in South Carolina and closed with non-monetary relief. The complaint was received on September 30, 2025 from South Carolina. 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) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus having robust processes to differentiate consumer identities and prevent the commingling of personal information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In South Carolina, consumers have the right to dispute inaccurate information on their credit reports, and agencies are required to investigate.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in data aggregation can lead to misattributed information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283143 about?
CFPB complaint 16283143 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 September 30, 2025.
Which company is complaint 16283143 filed against?
Complaint 16283143 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 16283143?
CBC Companies, Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 16283143 filed?
Complaint 16283143 was received by the CFPB on September 30, 2025. It was sent to CBC Companies, Inc. on October 3, 2025.
What state was complaint 16283143 filed from?
Complaint 16283143 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 16283143?
Dispute information is not available for complaint 16283143.
What product category is complaint 16283143 about?
Complaint 16283143 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 16283143 submitted?
Complaint 16283143 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 16283143?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on 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 16283143 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 16283143?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a successful correction without financial loss or significant ongoing impact.
What regulatory actions apply to complaint 16283143?
This case highlights the importance of credit bureaus having robust processes to differentiate consumer identities and prevent the commingling of personal information. 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 16283143?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 16283143?
In South Carolina, consumers have the right to dispute inaccurate information on their credit reports, and agencies are required to investigate. This complaint was filed from South Carolina.
How does complaint 16283143 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in data aggregation can lead to misattributed information.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, removal of fraudulent accounts, or an updated investigation by the credit bureau.
What steps should a consumer take if they find someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency and the furnisher of the information, providing evidence to support their claim.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.