Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #19161261
Credit Report Error: Someone Else's Information Included
Complaint Overview
Complaint ID: 19161261
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: 79936
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
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 addressed and closed with an explanation, suggesting a resolution was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 19161261 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 investigated and closed with an explanation by CBC Companies, Inc. The complaint was received on January 31, 2026 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 ensure the accuracy of information in consumer reports.
Regulatory Insight
This case highlights the importance of credit bureaus having robust processes to prevent and correct identity-related errors on reports.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and the resolution was provided by CBC Companies, Inc.
Industry Comparison
This is a common type of error in the credit reporting industry, often stemming from data collection or matching issues.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161261 about?
CFPB complaint 19161261 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 19161261 filed against?
Complaint 19161261 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 19161261?
CBC Companies, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161261 filed?
Complaint 19161261 was received by the CFPB on January 31, 2026. It was sent to CBC Companies, Inc. on February 1, 2026.
What state was complaint 19161261 filed from?
Complaint 19161261 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 19161261?
Dispute information is not available for complaint 19161261.
What product category is complaint 19161261 about?
Complaint 19161261 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 19161261 submitted?
Complaint 19161261 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 19161261?
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 19161261 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 19161261?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
What regulatory actions apply to complaint 19161261?
This case highlights the importance of credit bureaus having robust processes to prevent and correct identity-related errors on 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 19161261?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 19161261?
The complaint originated in Texas, and the resolution was provided by CBC Companies, Inc. This complaint was filed from Texas.
How does complaint 19161261 compare to industry norms?
This is a common type of error in the credit reporting industry, often stemming from data collection or matching issues.
What steps should a consumer take if they find information belonging to another person 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 notify the creditor or furnisher of the information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.