Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following claims injuriously reported versus me FAIL to meet minimal federal requirements to report legally, so I hereby enact my consumer RIGHT to CONTEST the report-ability of each noted unconfirmed claim below. My CHALLENGE is for the demonstration of a factual and testifiable certified compliant reporting process and that the mandated adherence to the perfect XXXX XXXX formatted reporting standard was in fact obeyed. 

ANY DEVIATION, including omission of requirements, brings into concern the reporting of information that is not ethically or even unlawfully reported. 

DELETE NOW the documented facts for each : XXXXXXXX XXXX XXXX XXXX XXXX alleged on XXXX is unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant reported. 
Related to the above rightful consumer argument ( s ) against current reporting ( s ), please note that : My Current Complete Legal First and Last Name is exactly as above displayed.

My Current Complete Address ( Street Number , Street Name, City, State, and Zip ) is exactly as above displayed.

My true exact and only Date of Birth is as above displayed.

My current true complete legal state-issued Social Security Number ( or Last Four ) is exactly as above displayed. 
Please remove from reporting any and all alleged OTHER reported personal identifier information, if any, alleged that is not EXACTLY as is above indicated and confirmed or is not requisite reported. 

I do NOT authorize you nor any entity to accept, retain, report, transcribe, transport, or otherwise utilize any of my personal identifier information not requisite reported and/or not certifiably confirmed true and undeniably factual, and or not of the mandatorily certified compliant reporting process ( es ), even in regard to the mandated utilization of the compliant XXXX XXXX XXXX standard ( s ).

In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and in accordance with the accepted XXXX XXXX XXXX XXXX data field reporting, I am here now enacting my right ( s ) to contest questionable and/or claims alleged yet still unproven to be each true, correct, documented as validated, and/or otherwise undeniably certified compliant information included on my personal consumer credit report. 

Any allegation of derogatoriness and/or delinquency without factual document proof demonstrated I am unable to recognize. As is my RIGHT ( s ), I challenge the REPORT-ABILITY of the deficient allegation of subterfuge. 

Per federal and applicable state reporting laws, you MUST report with greatest compliance and accuracy possible and reasonable. It is UNLAWFUL to retain, much less report, deficient claims of which is known or should be known not to meet regulations or the standard of ethical and lawful reporting. 

MY NOTIFICATION TO YOU NOW serves to debunk the possibility that you do not know that you need to ensure all claims are adequately factual and certifiably reported, including in the mandated XXXX XXXX format reporting standard. 

For any alleged account, I request that you validate the requisite physically verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ), TRUE OR NOT. 

I am willfully allowing you as long as 30 days to complete your requisite reasonable investigation to either confirm claims current reporting validity and compliance OR REMOVE FROM REPORTING the matter here now challenged. 

I also request and AUTHORIZE for you to mail me physical documented proof of your adequate action ( s ) and my then updated personal credit report following your correction ( s ).

Company response to consumer: Closed with explanation