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: DISCOVER BANK
State: TX

Complaint narrative:
Again, this notification serves as my not illicitly written consumer complaint contesting the reporting privilege ( s ) of each related data reporting furnisher AND that of any accepting repository in regards to any claim for which the entity ( ies ) involved have failed to answer successfully my demand to physically demonstrate confirmed document proof that each claim is made in adherence to federal and state mandates to be reporting in unquestionable truth, accuracy, timeliness, completeness, and or verifiable validity elsewise to a dignity no lesser than that of a MAXIMUM POSSIBILITY. 

I contend that inability to demonstrate proof confirming the certifiable compliant reporting process ( es ) even in total accordance and with absolute adherence to the imperiously practiced and perfect unabbreviated XXXX XXXX Data-filled Field Reporting Standards, of which there can be no deviation from nor omittance from without jeopardizing the integrity of the data so-called, is in fact UNLAWFUL and UNFAIR, each a suable circumstance if injury exists to me, my emotional state, my credit report health, and or my credit report score wealth.

In this document, I DEMAND PROOF of your supposed full and just accurate total and compliant reporting of negativity ( ies ) versus me. This is NOT a dispute against any claim, rather it is only a DEMAND for evidence in PROOF that the reporting process ( es ) you did undergo or did utilize while reporting the potentially deviant claims here in identified throughout this official consumer complaint note was in fact legitimate and compliant, thereby ensuring all claims made were in fact done so to a credible magnitude of MAXIMUM conceivable ACCURACY and COMPLETENESS! 

PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING suspicious trade line ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX declared on XX/XX/year> is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please DISLODGE from reporting immediately!

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > The above and below listed questionably included items on my present credit report involving you, I here now request to be removed from reporting due to the potential that each and all are expressed either flawed of my states reporting regulations, the federal reporting regulations, and or with potential deviation ( s ) from the mandatorily utilized reporting format standards, namely the XXXX XXXX Compliance standards, which is the authoritative principles or rules that imply a announced claim was in fact upright, ethical, lawful, factual, timely, accurate, adequately replete, and or elsewise undeniable as unequivocally divulged! 

You have NOT demonstrated undoubtable your successful satisfying of at least the minimal criterion to even assume a continued privilege to report versus me. I oppose your reporting privilege and contest you to demonstrate proof of your adequacy and successful achieving of PRIVILEGE to report scrupulous details versus me. 

Could or should I remind you that in agreement with my state 's and that of the federal reporting regulations each and any aspect of data or data elsewise allegedly recorded must be done so to a confirmable scope of MAXIMUM possible accuracy AND completion? In Accordance with CDIA, the CRRGs listed requisites for civil, accurate, integral, and compliant reporting in full accordance with each the FCBA, the FCRA, the ECOA, and each and any applicable other state and or federal regulations for lawful reporting is the required applied XXXX XXXX Data-filled field formatted reporting standards. 

Also, Per CDIA 'S CRRG 3-4, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' ... Clearly failing to adequately and precisely adhere perfectly and completely to the aforementioned mandated used XXXX XXXX Data-filled field formatted reporting standards makes it impossible to assume data reporting furnisher or the accepting data repository have acted to ensure impartial and compliant reporting rites and certainly makes questionable their satisfying of the federal mandates to only report unproven claims of delinquent or derogatory info to a provable intensity of MAXIMUM credible ACCURACY AND COMPLETION. 

Further, the continued inadequate reporting in which there may be one or more deviations from the irremissibly exercised reporting standards even beyond consumers written declaration contesting the reportability of the potential recklessly poor data is to be evidence of each or either of the data reporting furnisher 's and or the accepting repository ( ies ) ' noncompliance, be it willful or done so in ignorance. 

I here now denounce you and or any other body ( ies ) that may otherwise be related to any potential reporting deviation ( s ) from the above-mentioned required and perfected XXXX XXXX Compliance standards for ethical honorable and lawful reporting to demonstrate by physical verified and validated documentation that confirms your testimonially compliant reporting processes or else it is demanded you most immediately return to principled and compliant reporting in preciseness to any and each required of reporting codes, to include any and each requirement applicable to either and each of my state 's regulatory reporting laws and as well any of the federal reporting regulatory reporting laws and as well in total undeniable adherence to the reporting industry 's needfully and perfected reporting standards. 

I do not want you nor any company ( ies ) to report versus me unfairly and or in deviation from the established uncorrupted reporting standards. Any deviation surely denounces the likelihood that any failing data reporting furnisher did indeed satisfy at least the minimal criterion to assume it has successfully achieved the conditional privilege to report. I contend that noncompliance of reporting policies is akin to unfair even unethically unlawful reporting rituals, in contradiction of that assumed reporting privilege.

I demand you REMOVE FROM REPORTING this claim below immediately and until able and willing to timely confirmate the compliantly reported compliant, unfeigned, accurate, timely, outright, verified, and elsewise validated reporting of claims related to my contesting of your report-ability and forwarded defy to prove satisfactory achieving of the very conditional PRIVILEGE to report said claim ( s ) versus me ethically and legally. 

XXXX XXXX  Conforming to Credit Reporting Industry mandates, you MUST abide and adhere to any and all state and federal laws and standards including that of the XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation from without jeopardizing the integrity of the data alleged ( In consonance with CDIA 's CRRG 3-4 ) by a data reporting furnisher or accepting repository. That in mind, Please consider this image for all matters above and below : 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 BSCF Base Segment Character Format HRCF Header Record... 
J1S J1 Segment J2S J2 Segment K1S K1 Segment K2S K2 Segment K3S K3 Segment K4S K4 Segment L1S L1 Segment N1S N1 Segment TRCF Trailer Record...

HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format D1 Data Furnisher # 1 DF2
Data Furnisher # 2 XXXX XXXX XXXX  essentially stands for Not XXXX Translated within Cra/and or is Unknown XXXX 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 Attack mx Mixed mr Merged CRRG Credit Reporting Resource Guide FCRA Fair Credit Reporting Act

Company response to consumer: Closed with explanation