How do I recover an account when Microsoft won't update my contact information or verification?

[Microsoft Windows]

I got a new phone and signed into my Microsoft account. Microsoft locked the account and sent the verification email to an email account that hasn't existed in almost a decade, despite setting up 2 step verification with my phone a couple years ago. The recovery tool is unhelpful as I have no record of outgoing emails without access to the account. Most of my digital fingerprint and financial interactions are tied to this account, and I can't access any of it, because Microsoft doesn't recognize the verification data is out of date.

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