Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 ( s ). 
( 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 ( s ). 
( 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 ( s ).

( e ) 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 ( s ). 
( 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 ( s ). 
( 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 ( s ). 
Destination of my Consumer Complaint is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA 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 ( 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 XXXX XXXX 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 Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) 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 ( s ) of - and - and - as my REQUISITE 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 Consumer 's Current Residence : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) 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 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 Consumer 's Previous Residence : GA XXXX GA XXXX Personal Identifier Information -XXXX XXXX  XXXX Consumer 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Residence : XXXX GA XXXX XXXX  GA XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Previous Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and 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. 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 Personal Identifier Information XXXX XXXX XXXX XXXX -XXXX XXXX XXXX Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX and XXXX XXXX and 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 : XXXX XXXX I XXXX I XXXX I Page 3 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/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 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 ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX  Data Furnisher # XXXX XXXX Data Furnisher # XXXX 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 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  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address D XXXX XXXX Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date XXXX XXXXXXXX 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 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 : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXX 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 XXXX  XXXX XXXX  XXXX XXXX XXXX V Installment Account Auto Loan -- M XXXX V -- M -- M XXXX XXXX V -- M Closed -- M -- M XXXX 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 XXXX : XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCC XXXX XXXX XXXX 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 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 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 regard to 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 ( s ) 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! 
As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX 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 ( 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, 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 ( s ) 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, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) 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! 
In cognizance 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 XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to Page 5 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 surely deficient of its exigency of reporting proficiency and or expected 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 ( s ) 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 cognizance to the item questioned above, Data Reporter Name 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 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 surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
As for the item questioned above, Data Reporter Telephone Number 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 ( 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! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX , UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Data Reporter Name XXXX XXXX Data Reporter Street Address XXXX XXXXXXXX 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 U XXXX Activity Date XXXX  XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX XXXX XXXX ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX  XXXX Scheduled Monthly Payment Amount : XXXX  XXXX Account Terms Frequency : 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  XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Paid XXXX -- XXXX XXXXXXXX Individual Credit Card Credit Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -- XXXX Paid XXXX -- XXXX  XXXX Individual Credit Card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Revolving Account -- XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX Paid -- XXXX XXXX XXXX XXXX Individual -- XXXX  Page 6 XXXX Account Status : XXXX Account Status Information : XXXX  Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXX Account Dispute Status : XXXX Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX Paid Paid Paid Current XXXX XXXX XXXX Account not disputed XXXX Closed or paid account/XXXX 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 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 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 regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX 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, 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 cognizance to the 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 ( s ) 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 regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX 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 qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting Page 7 aptitude, sufficiency, and or amenability! 
In cognizance 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 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 surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
Bearing attention to the item questioned above, Account Credit Limit reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) 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, Data Reporter Name reported as XXXX  XXXX for XXXX, XXXX XXXX for XXXX,- for XXXX and as such is XXXX, 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, Data Reporter Telephone Number reported as XXXX for XXXX, XXXX for XXXX,- for XXXX and as such are one or more seemingly deficient of its exigency of reporting

Company response to consumer: Closed with explanation