Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). 
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). 
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 
( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ). 
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). 
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ). 
Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED XXXX XXXX FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( XXXX ) reality of collect- ability or not! 
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( XXXX ) versus me, particularly if currently announced item ( XXXX ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified XXXX XXXX format reporting standard ( XXXX ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( XXXX ) and or debt ( XXXX ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( XXXX ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( XXXX ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
REMOVE the display reported Consumer 's Other Names ( XXXX ) of - and - and - as my XXXX REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE the display reported Consumer 's Current Residence ( XXXX ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX XXXX Page XXXX REMOVE the display reported Consumer 's Birth Year ( XXXX ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Please utilize the following XXXX  to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX  Base Segment Character Format XXXX  Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX  Record ... XXXX Header Record Packed Format XXXX  Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation CAP ONE AUTO XXXX XXXXXXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX V Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPONEAUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number XXXX XXXX^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXXXXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency XXXX XXXX XXXXXXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^XXXX^ Account Status Information : ^XXXX^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX CAP ONE AUTO XXXX XXXX XXXXXXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed -- XXXX XXXX XXXX XXXXXXXX Joint Joint Auto Loan Auto Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page XXXX ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^XXXX^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History N/A N/A Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber. 
N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX  XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As for the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! 
Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a XXXX  XXXX non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 
In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of Page XXXX their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
Bearing attention to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
As for the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent! 
As for the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^NTCU^ Account Status Information : XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^NTCU^ Date Last Verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete XXXX timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX  XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In cognizance to the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict! 
In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as XXXX is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format XXXX, and as such are Page XXXX XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
In regard to item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict! 
In regard to item questioned above, Account XXXX XXXX reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 
In cognizance to the item questioned above, Data Reporter Name reported as CAPITAL ONE for XXXX, CAPITAL ONE for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
In cognizance to the item questioned above, Data XXXX XXXX Address reported as XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant

Company response to consumer: Closed with explanation