Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
Per federal guidelines and apposite state requisites, no company can report detrimental file ( s ) if departed from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and or certifiable compliance of reporting laws else ways. Particularly of an infraction is if and when a reporter ( s ) and or any accepting repository ( ies ) react willfully NON-COMPLIANTLY and or in seeming negligent incomprehension and or be it with reckless abandon as related to expectations and actual credit reporting behaviors. 

Failure to secure adhering to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete postulations being allowed to report hurtful and unfairly so versus a consumer ; however, it is not contestable that the very intended nature of standards in industry is to better afford participants ability and capability to operate in greatest congruence to necessities lawfully. Hence the CDIAs own CRRG manual establishing the mandates for asserting consumer information, within the required obeyed XXXX XXXX Data-filled Field Formatted reporting standard ( s ) of which there can be no omittance from without endangering the indispensable sincerity and uprightness let alone rectitude of uncertain allegation ( s ) made by any reporter and endorsed by any repository of consumer credit info. 

It is insufficiency of provable integrity that lays the very foundation for a potentially injured consumer to be concerned of any claim ( s ) s described data forwarded that lacks staunchness of fact ( s ). For this and other reasons I will delineate further below, I APPEAL THAT YOU function TO DETACH NOW AND from this moment forward THIS CURRENTLY not proven compliantly REPORTED ALLEGATION ( S ) be it inept due to reporter failure to satisfy privilege to report or be it due to any involved body of assertions to successfully navigate through and beyond the objection I have presented and appealed from or of each such individual to establish document evidence demonstrating factual certifiable proper reporting procedures, prices, and standards were and are now still absolutely adherent to and in full harmony with or of directive that any MUST have obeyed. 

OUST FROM REPORTING NOW ANY OF THE contemptuous ASPECTS OF accusation ( XXXX ) for any item BELOW NOTED : # XXXX CXXXX XXXX XXXX XXXX ALLEGED XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX DISMISS FROM REPORTING NOW ANY OF THE malevolent ASPECTS OF charge ( XXXX ) for any item BELOW NOTED : # XXXX XXXX XXXX XXXX XXXX ALLEGED COFF -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX DISCARD FROM REPORTING NOW ANY OF THE contumelious ASPECTS OF overment ( s ) for any item BELOW NOTED : # XXXX XXXX XXXX XXXX XXXX ALLEGED XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Additional Concerns Regarding Student Loan Reporting Is the Student Loan that of a federally subsidized loan or that of an unsubsidized private? 
Is the questionably XXXX XXXX XXXX correctly reported? If so, prove document proof of its reported portfolio type being that of an installment, line of credit, open, or otherwise as claimed. 
Prove that your reported [ allegations ] are related to any perform of derogatoriness claimed injuriously versus me and or is/was purported to be a result of my interactions with a lender, servicer, secondary market provider, related to a supposed post-default loan, or otherwise. 
Does the reported account type align adequately with the claimed portfolio type, assuming each is reported as is requisite for student loan events? 
Detailed Demands I DEMAND evidence confirming your appropriate listing of the student loan listed in my report in concern, to include : Knowledge of its status being depicted as an educational loan, line of credit loan, or otherwise. 
The mandatory demonstration of data adhering to federal mandates with absolute timeliness, accuracy, and completeness. 
Documented proof of all associated monetary amounts, including payments made, supposed balances, and interest.

Company response to consumer: Closed with explanation