Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute XXXX XXXX XXXX Account Reporting Inaccuracy Account Name : XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the inaccurate and harmful reporting of a XXXX XXXX XXXX account listed on my credit report. The account shows as a collection with a {$42000.00} past due balance as of XX/XX/XXXX, which is demonstrably false, misleading, and unverifiable. 

I have consistently and timely made payments toward this obligation. The payment history includes a recent payment of {$980.00} on XX/XX/XXXX, with no valid record of missed payments, default, or actual collection proceedings. Therefore, reporting this account as a collection is not only factually incorrect but legally non-compliant. 

Key Issues : False Classification : Reporting this account as a collection implies that it was assigned to a debt collector or was delinquent. Child support paid through government systems does not meet the criteria for debt collection under FCRA and FDCPA definitions. 

No Validation : No evidence has been provided showing this account was placed into collection or that the reported balance is accurate. This violates FCRA XXXX ( a ) ( XXXX ) and 15 U.S. CXXXXe XXXXg. 

Inconsistent Reporting : The last payment was made in XX/XX/XXXX, yet the account is re-aged and updated in the same month as a collection violating FCRA XXXX ( c ) and misrepresenting the date of first delinquency. 

Unverifiable Debt : Under 15 U.S. CXXXXe XXXX ( a ), any data that can not be verified must be promptly deleted. 

Furnishing Misleading Information : This violates FCRA XXXX ( a ) ( XXXX ) ( A ) the duty of furnishers to report accurate information. 

Supporting Laws & Legal Precedent FCRA Violations : 15 U.S. CXXXXe XXXX Prohibits furnishers from reporting inaccurate or incomplete information. 

15 U.S. CXXXXe XXXX ( b ) Requires reasonable procedures to ensure maximum accuracy. 

15 U.S. CXXXXe XXXX ( a ) You must provide full method of verification upon request. 

15 U.S. CXXXXe XXXX ( a ) Failure to verify disputed info within XXXX days requires deletion. 

UCC Laws : XXXX XXXX The right to demand presentment and proof of obligation. 

XXXX XXXX Reservation of rights without prejudice, especially where performance is disputed. 

Case Law Support : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRA must go beyond parroted data from furnishers when consumer provides evidence of inaccuracy. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Furnishers and CRAs liable for knowingly reporting false balances. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX  ) Credit reporting must not mislead or cause reputational harm. 

XXXX XXXX  Credit Reporting Guidance According to the XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX, child support agencies may report only valid arrears and must comply with FCRA rules when doing so. 

The use of the term collection when no private collection agency is involved violates the intent and plain language of the FCRA and Title XXXX of the Social Security Act.

Requested Resolution : Immediate deletion of the XXXX XXXX XXXX account reporting as a collection. 

Correction of any balance or arrears not properly verified with legal documents. 

Written confirmation that this account will not be reinserted per FCRA XXXX ( a ) ( XXXX ) ( B ). 

Please consider this a formal dispute under the Fair Credit Reporting Act. If this dispute is not resolved within the XXXXday statutory period, I will pursue further action through the Consumer Financial Protection Bureau ( CFPB ), FTC, and potential litigation under 15 U.S.C. XXXX and XXXX for damages, costs, and attorney 's fees.

Company response to consumer: Closed with explanation