Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20929782
Credit Report Mixed Up with Another Individual's Information
Complaint Overview
Complaint ID: 20929782
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: 77035
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrectly attributed information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: mixed
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 20929782 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 incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by CBC Companies, Inc. in Texas. The complaint was received on April 3, 2026 from Texas. 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 errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information.
Regulatory Insight
Credit reporting agencies must ensure the accuracy and completeness of the information they collect and report, and take reasonable steps to prevent the reporting of information that belongs to another consumer.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Texas, consumers have rights under the FCRA to dispute inaccurate information on their credit reports.
Industry Comparison
This issue is common within the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20929782 about?
CFPB complaint 20929782 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 April 3, 2026.
Which company is complaint 20929782 filed against?
Complaint 20929782 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 20929782?
CBC Companies, Inc. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 20929782 filed?
Complaint 20929782 was received by the CFPB on April 3, 2026. It was sent to CBC Companies, Inc. on April 3, 2026.
What state was complaint 20929782 filed from?
Complaint 20929782 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20929782?
Dispute information is not available for complaint 20929782.
What product category is complaint 20929782 about?
Complaint 20929782 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 20929782 submitted?
Complaint 20929782 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 20929782?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information. 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 20929782 to be resolved?
Resolution likelihood: mixed. 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 20929782?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 20929782?
Credit reporting agencies must ensure the accuracy and completeness of the information they collect and report, and take reasonable steps to prevent the reporting of information that belongs to another consumer. 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 20929782?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 20929782?
In Texas, consumers have rights under the FCRA to dispute inaccurate information on their credit reports. This complaint was filed from Texas.
How does complaint 20929782 compare to industry norms?
This issue is common within the credit reporting industry, where data errors or misidentification can lead to significant consumer harm.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and the furnisher of the information (the company that provided the data). They should provide documentation to support their claim that the information belongs to someone else.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.