Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161252
Incorrect Identity Information on Credit Report Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 19161252
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: North Carolina
ZIP Code: 28213
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
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 the credit reporting agency took corrective action without financial compensation.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 19161252 was filed against CBC Companies, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A North Carolina 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 January 31, 2026 from North 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) requires credit reporting agencies to ensure the accuracy of information in consumer reports and to investigate disputes.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate consumer data and responding to disputes effectively to avoid regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In North Carolina, consumers have rights under FCRA to dispute inaccurate credit report information and seek resolution.
Industry Comparison
Credit reporting agencies generally aim to resolve disputes efficiently to maintain compliance and customer trust.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161252 about?
CFPB complaint 19161252 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 January 31, 2026.
Which company is complaint 19161252 filed against?
Complaint 19161252 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 19161252?
CBC Companies, Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19161252 filed?
Complaint 19161252 was received by the CFPB on January 31, 2026. It was sent to CBC Companies, Inc. on February 1, 2026.
What state was complaint 19161252 filed from?
Complaint 19161252 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 19161252?
Dispute information is not available for complaint 19161252.
What product category is complaint 19161252 about?
Complaint 19161252 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 19161252 submitted?
Complaint 19161252 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 19161252?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of information in consumer reports and to investigate disputes. 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 19161252 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 19161252?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating the credit reporting agency took corrective action without financial compensation.
What regulatory actions apply to complaint 19161252?
This case highlights the importance of credit bureaus maintaining accurate consumer data and responding to disputes effectively to avoid regulatory scrutiny. 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 19161252?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 19161252?
In North Carolina, consumers have rights under FCRA to dispute inaccurate credit report information and seek resolution. This complaint was filed from North Carolina.
How does complaint 19161252 compare to industry norms?
Credit reporting agencies generally aim to resolve disputes efficiently to maintain compliance and customer trust.
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 investigation into the disputed items.
How long does a credit reporting agency typically have to investigate a dispute?
Under FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information within that period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.