CBC Companies

I am rejecting this response because: I advised CBCINNOVIS prior to filing a complaint that the information they provided did not confirm that I did authorized my creidt to be pulled when in fact I did notCBCInnovis continues to take the necessary / responsible actions and remove the fraudulent inquiryI have sent numerous letters with zero results thus the complaintAs of today since this simple matter of correcting a wrong cannot be resolved I am reporting this to the proper authorities and credit agencies as FRAUD / invasion of my privacyAlso, I have attached a copy of the letter I received on 5/25/from CBC, along with my response.Regards, [redacted] ***

[redacted] Please see the attached response.Sincerely,CBCInnovis Consumer Assistance 01/17/ [redacted] *Dear [redacted] : Thank you for contacting CBCInnovisWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 01/13/ Prior to this, we received your Consumer Financial Protection Bureau Complaint on 01/09/2017, we attempted to contact you by phone on 01/09/2017, 01/10/2017and 01/11/2017, but were unable to reach youIn regards to your request concerning the inquiries appearing on your credit reportThese inquiries were made by: [redacted] ***###-###-####08/11/, 08/11/, 11/02/& 11/27/[redacted] ***###-###-####03/30/& 11/22/ [redacted] *** ###-###-####12/28/ CBCInnovis provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information.Sincerely,Consumer Assistance

Thank you for contacting CBCInnovisWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 08/31/ Per our phone conversation on 08/31/2017, the inquiry appearing on your credit report dated 08/29/was performed by [redacted] ***You confirmed you were familiar with the client and that you had already spoken with them about this inquiry and about our companyYou stated that at this time, no further action is requested of CBCInnovis CBCInnovis provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) Experian®, Equifax® and TransUnion®, to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information If you have any further questions or concerns, please feel free to contact usSincerely, Consumer Assistance

Dear [redacted] ***: Thank you for contacting CBCInnovisWe received your response to the Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 07/18/2016, concerning the inquiry appearing on your credit report dated 09/19/ In response, we have disputed the inquiry with our client and requested that they provide us documentation demonstrating their permissible purpose for accessing your credit report All investigation results will be mailed to you upon receipt CBCInnovis provides credit information from one or more of the three NCRAs to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information Sincerely, Consumer Assistance

I want the inquiry removed from my credit reports because I was told it wouldn't be a hard inquiryPotential consumers shouldn't be lied toHighland mortgage needs to understand the difference between a hard pull and soft pullI was told it would be a soft pullPlease remove this inquiry Regards, [redacted]

Dear [redacted] Thank you for contacting CBCInnovisWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 03/01/In response, we contacted you by phone on 03/01/to discuss your concerns regarding the inquiry appearing on your credit reportWe verified with you that the inquiry dated 09/27/was accessed by Guaranteed Rate IncPer our phone conversation, we have disputed the inquiry with our client and requested that they provide us documentation demonstrating their permissible purpose for accessing your credit report All investigation results will be mailed to you upon receipt.CBCInnovis provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer informationSincerely, [redacted]

Dear Revdex.com:Thank you for contacting CBCInnovis with complaint ID [redacted] dated September 9, The initial complaint was received on August 20, with a response sent on August 31, 2015' additionally, the follow up complaint was received on September 15, Our history with the consumer is outlined below.On August 20, 2105, after receiving complaint ID [redacted] , CBCInnovis attempted to contact the consumer by phone with the number provided (###-###-####) on 08/20/and twice on 08/24/2015, but were unable to reach the consumerA follow up email was also sent to the consumer with the email address provided in order to discuss the complaintAs of today, CBCInnovis was not able to reach the consumer by the number provided or the email address.ON August 31st, a letter was mailed in response to the complaint as well as in response to the consumer explaining who CBCInnovis was and our contact information.Thank you for forwarding the complaint and allowing us the opportunity to respond Please feel free to communicate further if you have additional questions or concerns.Sincerely.CBCInnovis Consumer Assistance

Thank you for contacting CBCInnovisWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 10/17/ The inquiry appearing on your credit report dated 10/05/was performed by [redacted] Per our phone conversation on 10/17/2017, you stated you were not familiar with [redacted] and CBCInnovis provided you with a contact phone number to reach out to the client for additional information about the inquiryYou stated that at this time, no further action is requested of CBCInnovis, but you will reach back out to us if you decide to dispute the inquiry CBCInnovis provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) Experian®, Equifax® and TransUnion®, to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act (FCRA) to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information If you have any further questions or concerns, please feel free to contact usSincerely, Consumer Assistance

Thank you for contacting AmRentWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 07/24/In regards to your request concerning the inquiry appearing on your credit reportWe attempted to contact you by phone on 07/24/2017, but the number provided was for your attorney’s officeWe left a message with your attorney to call us back The call was not returned We contacted the client that pulled your credit report on the date in question, and asked them to provide proof of permissible purpose to obtain your reportA copy of the response is enclosed AmRent provides credit information from one or more of the three Nationwide Consumer Reporting Agencies (NCRAs) to its clients, which are primarily rental institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for tenant screening purposesAmRent does not maintain a database of consumer informationSincerely, AmRent Consumer Assistance

Dear [redacted] : Thank you for contacting CBCInnovisOn 04/07/2016, CBCInnovis received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , regarding an inquiry appearing on your credit reportIn response, CBCInnovis verified that our client, [redacted] accessed your credit report on 09/04/and requested that you contact us if the inquiry was inaccurate so we could dispute it with our client On 04/14/2016, CBCInnovis received your rejection to our response to the Revdex.comAs a result, we have dispute the inquiry dated 09/04/with our client [redacted] and requested that they provide us documentation demonstrating their permissible purpose for accessing your credit reportAll investigation results will be mailed to you upon receipt CBCInnovis provides credit information from one or more of the three NCRAs to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information Equifax Credit Information Services Experian Information Services TransUnion Consumer Relations POBox POBox P.OBox Atlanta, GA 30374-Allen, TX 75013-Chester, PA ###-###-#### ###-###-#### ###-###-#### www.equifax.com www.experian.com www.transunion.com Sincerely, Consumer Assistance

Dear [redacted] Thank you for contacting CBCInnovisWe received your Revdex.com (Revdex.com) complaint, complaint ID [redacted] , on 07/13/2016, concerning the inquiry appearing on your credit report dated 09/19/ This inquiry was made by: [redacted] *** [redacted] CBCInnovis attempted to contact you by phone on 07/13/2016, 07/14/& 07/15/2016, but was unable to reach youIf the inquiry is inaccurate, you may dispute it with the company noted above, the three Nationwide Consumer Reporting Agencies (NCRAs) listed below or CBCInnovis If you choose to dispute it with CBCInnovis, please include the following information when submitting your dispute: Full name Social Security Number Phone Number Disputed information and reason for the dispute CBCInnovis provides credit information from Equifax, Experian, and TransUnion to its clients, which are primarily banks, mortgage companies and other lending institutions that have a permissible purpose under the Fair Credit Reporting Act to obtain credit information for lending purposesCBCInnovis does not maintain a database of consumer information Equifax Credit Information Services Experian Information Services TransUnion Consumer Relations POBox POBox P.OBox Atlanta, GA 30374-Allen, TX 75013-Chester, PA 1-800-203-1-800-232-1-800-916-www.equifax.com www.experian.com www.transunion.com Thank you, Consumer Assistance

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me

Innovis received the complaint you submitted to the Revdex.com on 10/13/In your complaint, you state that you requested and have not received the methods of verification used by Innovis for your dispute submitted on 08/07/ On 10/17/2017, Innovis called to speak with you regarding your complaintThank you for taking the time to express your concernsWe explained the reinvestigation procedures used by Innovis and informed you that our reinvestigation procedures are at the bottom of the Innovis Credit Reports you received on 08/07/and 09/29/We discussed that Innovis does not maintain documents related to your relationship with a creditor, unless it is sent directly to Innovis by the consumer We explained why we removed the Capital One account ending in *** and Wells Fargo account ending *** on 10/11/You had no further items to discuss at that timeIf you have any questions or concerns, you may contact our Consumer Assistance Department at 1-800-540-Representatives are available to assist you Monday through Friday, 8:00am to 5:00pm ETThere are no follactions planned at this time.We appreciate this opportunity to serve you.Sincerely,Innovis Consumer Assistance