Consumer complaint received 2025-03-10 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:
To Whom It May Concern, Subject : Request for Original Promissory Note or Removal of Accounts from Consumer Report This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 

Specifically, I request the following two accounts : Account Information : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Account Information : Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Further, this letter serves as a Formal Notice under the Family Educational Rights and Privacy Act ( FERPA ) : The unauthorized disclosure of my student loan-related information to consumer reporting agencies without my written consent may also be a violation of FERPA. I have not provided consent for such disclosure. Therefore, I demand immediate cessation of reporting and removal of all student loan-related accounts from my consumer report.

I expect the following actions within 30 days : Immediate Cease of Reporting : Cease reporting any and all student loan-related information to credit reporting agencies.

Removal of All Accounts : Remove all related student loan accounts from my consumer reports. 



Written Confirmation : Provide written verification from your office and the credit reporting agencies confirming these actions. 

If these requests are not honored within the required time, I will consult with my legal counsel and pursue all legal remedies available to me, including claims under the FDCPA, FCRA, and FERPA. 

Thank you for your prompt attention to this matter. Failure to comply will result in further legal action.

Company response to consumer: Closed with explanation