My current Legally acquired lawful Social Security Number last four is and only is {{$universal['ssn']}}
*I demand that any OTHER reported personal identifier information be removed from reporting as it does NOT MATCH EXACTLY my true current CORRECT information EXACTLY as I have detailed above. It is MY RIGHT to DENY YOU AUTHORITY TO REPORT DEFICIENT of factual verifiability of validation of only TRUE CORRECT COMPLETE TIMELY CLAIMS which as well are CERTIFIABLY COMPIANT IN their reporting, even to the mandatorily perfect and certified METRO 2 format reporting standard(s) of compliance!
My Personal Tracking Number is {{$universal['p_tracking_number']}}
TO: {{$destination}}
Re: Unproven, Invalid, Not Compliantly reported or else wise Unauthorized Credit claims of delinquency and or derogatoriness’s despite significant deficiencies of claim’s truth, accuracy, completeness, timeliness, ownership, verifiability, validity and certifiable compliant reporting else wiseeach deficiency requires immediate and permanent removal of claim’s reporting or else is a infraction of reporting regulations and standards of compliant reporting(s).
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a “notice of dispute” on my account within 30 days of my lawfully leveraged consumer complaint. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623(a)(3) and/or the Fair Debt Collection Practices Act Section 807(8), the mandatory metro 2 formatted reporting standard(s) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified compliantly reported, provable as reported and or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting. Either way the claim is in dire disregard of my consumer rights and your required perfect provable compliant reporting(s) of only true complete correct timely verified valid claim(s) even in regard to the mandatorily perfect correct complete certifiable Metro 2 format reporting standard(s) of lawful reporting! YOU MUST ERADICATE the claim(s) of any delinquency and or derogatoriness that is questionable such as in this exact circumstance. Delete now as follows:
Let it be known in clarity that at all times I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General’s office, and potentially even a civil suit should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act, or any other standard of requisite reporting be it mentioned or not. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623(a)(3) - Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. 1681s-2]
(3) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
(B) Time of Notice (I) The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603(p).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action (or inaction) on your behalf may result in a small claims action against your company. So you are aware, I would be seeking a minimum of $1,000 in damages per violation for at least one or more of the following and other statues and or standards not necessarily mentioned to this point:
• Defamation
• Negligent Enablement of Identity Fraud
• Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8)
• Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows:
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below: