That's obviously not what's happening here though. I have plenty of adult friends who go on public and private servers and actively trash talk during games and have never been banned. And none of their friends have been banned. A small group of 10 year-old children aren't having a coordinated attack of hundreds to thousands of reports against them repeatedly over many months.

Not to mention tacking on the requirement that instead of a bunch of 10 year-old children being - as they tend to be - offensive/testing limits when adults aren't looking, Microsoft is publicly lying to their customers (creating liability) and implementing an automated system so poor it doesn't so much as check if the reported user even uses chat.

EDIT: To further substantiate what I'm saying, I just checked and you cannot submit a report without selecting the specific messages that relate to it. The UX requires that the individual messages are selected and cannot be submitted empty. The parent is at least being misled in thinking their child or their friends don't use the chat feature.