Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
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 METRO 2 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 ( s ) 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 ( s ) versus me, particularly if currently announced item ( s ) 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 Metro 2 format reporting standard ( s ). 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 ( s ) and or debt ( s ). 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 ( s ) 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 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX - XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and -. 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 ( s ) of - and - and -. 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 XXXX MD XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX L XXXX XXXX MD XXXX XXXX XXXX L XXXX XXXX MD XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) of XXXX XXXX XXXX XXXX XXXX MD XXXX and XXXX XXXX XXXX XXXX MD XXXX and XXXXXXXX XXXX  XXXX XXXX MD XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is 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 Previous Residence : - XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Previous Residence : D - M XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX REMOVE the display reported Consumer 's Previous Residence ( s ) of XXXX XXXX XXXX VA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is 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 ( s ) : XXXX XXXX XXXX XXXX XXXX OF MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's Reported Employer ( s ) : D XXXX XXXX XXXX XXXX XXXX OF MD REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX and XXXX XXXX  OF MD. 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 I REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/year>. 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 KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX  XXXX XXXX Character Format XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not Metro2/ Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not XXXX  XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act V Potential Violation XXXX XXXX XXXX XXXX - - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reporter Name XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX Data XXXX XXXX Address XXXX XXXX Data Reporter City, State, and Postal Zip Code XXXX XXXX Data Reporter Telephone Number XXXX  XXXX Data Reporter Identification Number XXXX  ^XXXX^ Item 's Subscriber Number XXXX XXXX  Activity Date XXXX  XXXX - XXXX XXXX XXXX  XXXX Account Name Number : XXXX - XXXX XXXX XXXX  XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX - XXXX XXXX XXXX XXXX Portfolio Type ( Account Type-Detail ) : Installment Account - XXXX XXXX XXXX XXXX Account Type : Educational - XXXX XXXX XXXX XXXXXXXX Account Current Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX^ Date of Account Balance : XXXX  XXXX - XXXX XXXX XXXX XXXX Scheduled Monthly Payment Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Terms Frequency : U XXXX Account Terms Length : XXXX  XXXX Credit Limit : -- XXXX XXXX XXXX XXXX XXXX XXXX Account Highest Credit : XXXX XXXX - XXXX XXXX XXXX XXXX Date of Last Payment : XXXX - XXXX XXXX XXXX XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ^XXXX^ Account Condition : Derogatory - XXXX XXXX XXXX XXXX Account Credit Limit : -- XXXX XXXX XXXX XXXX XXXX  XXXX Account High Balance/Original Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 's Date Opened : XXXX XXXX - XXXX XXXX XXXX  XXXX Account 's Closed Date : XXXX XXXX Creditor Type : Individual - XXXX XXXX XXXX XXXX Account Ownership Type : Educational - XXXX XXXX XXXX XXXXXXXX Account Status : Derogatory - XXXX XXXX XXXX XXXX Account Status Information : Derogatory - XXXX XXXX XXXX XXXX Account Rating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Collection/Chargeoff - XXXX XXXX XXXX XXXX Payment Rating : XXXX XXXX XXXX ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Dispute Status : Account not disputed Account not disputed Account not disputed ^XXXX^ Date Last Verified : XXXX XXXX XXXX XXXX XXXX Creditor Remarks : Payment after charge off/collection - XXXX XXXX XXXX  XXXX Two-Year Payment History XXXX None Reported XXXX None Reported XXXX None Reported Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 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, 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 Data fields within any Metro 2 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! 

In regard to item questioned above, Date of Account Opened reported as XXXX for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 

In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report. 

In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report. 

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 ( s ) for certifiably compliant reporting, hence the genesis 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 Metro 2 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, 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 ( s ) for certifiably compliant reporting, hence the genesis 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 Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!

As for the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) 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 Data fields within any Metro 2 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! 

In regard to item questioned above, Data Reporter Street Address 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 ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 

Bearing attention to the item questioned above, Data Reporter Telephone Number 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 ( s ) for certifiably compliant reporting, hence the genesis 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 Metro 2 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 Genuine Sincerity I close, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX

Company response to consumer: Closed with explanation