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<div style="font-family: Arial,serif;">
<p>
<span style="font-size: 14;font-family: Times,serif;">CRA REPORT #</span><span style="background-color: yellow;">__CRA_REPORT__</span><br/>
</p>
<p style="font-family: Times,serif;font-size: 14;">
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:<br/>
<span style="background-color: yellow;">
__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
</span>
</p>
<p>
<span>TODAY IS : </span><span style="background-color: yellow;">__TODAY__</span><br/>
</p>
<p style="font-weight: bold;font-family:Times,serif ;text-align: justify;width: 100%;font-size: 13;">
****To begin, I would like to ensure you have and ONLY RETAIN
current, TRUE, CORRECT, COMPLETE,and MANDATED REPORTED information per FCRA
regulations,any and all others I DEMAND,as is my lawful RIGHT(s) to do so,that you annul and and all
deficient of any condition,mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information
now or ever,please review and ENSURE your adequate and full accordance to the laws upon which govern
your practice of reporting consumer credit profiles. <br/><br/>
(a)I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or
aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate
AUTHORITY to retain much less report without infringing my consumer rights. <br/><br/>
(b)I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER
ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate
AUTHORITY to retain much less report without infringing my consumer rights <br/><br/>
(c )I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or
reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less
report without infringing my consumer rights. <br/><br/>
(d)I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be
retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain
much less report without infringing my consumer rights. <br/><br/>
(e)I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be
retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain
much less report without infringing my consumer rights. <br/><br/>
(f)I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if
ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without
infringing my consumer rights. <br/><br/>
(g)I do NOT have any requisite spouses/ roommates/ co-applicants
and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE
NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my
consumer rights. <br/><br/>
(h)I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be
retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain
much less report without infringing my consumer right<br/>
</p>
<p>
<span style="font-size: 14;">MY PERSONAL 20-digit TRACKING NUMBER IS : </span><span style="background-color: yellow;">__PERSONAL_TRACKING_NUMBER__</span>
</p>
<p style="font-size: 14;">
<span style="font-weight: bold;">
Credit Bureau & Credit Bureau ADDRESS per Credit Report EXACTLY as displayed:
</span><br/>
<span style="background-color: yellow;">
__credit_bureau_name_address__
</span><br/>
</p>
<p style="font-weight: 600;font-size: 14;text-align: justify;width: 100%;">
RE: demand to rectify current deficiencies in your current reporting, as the challenged items are
lacking lawful STANDING due to being untrue, inaccurate, incomplete, not mine, not my
responsibility, not FCRA compliant, not FDCPA compliant, not Metro 2 format compliant, and or
not CERTIFIED proven to be every one each any and or all of the aforementioned required
aspects for adequate and ethical lawful reporting!<br/>
</p>
<p>
<span style="font-size: 24;">
To whom it might concern,<br/><br/>
</span>
</p>
<p style="font-weight: 600;font-size: 14;text-align: justify;width: 100%;">
Pursuant to FCRA, Metro 2 format requisites and the FDCPA,, I now exercise my lawful right to
question the validity of the information in my file.
FAIR CREDIT REPORTING ACT ,section 609 “DISCLOSURE to consumers: ( c)(2)(E)<br/>
</p>
<p style="font-size: 14;font-family:Times,serif ;text-align: justify;width: 100%;">
609(c)(2)(E) states that "a consumer reporting agency is not required to remove accurate derogatory information
from a consumer's file, unless the information is outdated under section 605 or cannot be verified."
<a style="font-weight: bold;" href="http://www.ftc.gov/os/statutes/031224fcra.pdf">http://www.ftc.gov/os/statutes/031224fcra.pdf</a>
If accurate derogatory information in the consumer's file cannot be verified, the reporting agency is required to
remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to
be able to produce verifiable proof of the negative event. It holds the credit reporting agencies are undoubtedly
accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge
the accuracy of negative events reported on them. No doubt,the intent of the government was to protect debtors or
alleged debtors such as myself and other infringed and or injured consumers,from having untrue, inaccurate ,
incomplete, misleading and or unproven compliant information used against them.But the burden of proof is not
entirely on the original creditors and certainly not at all on the consumer in any manner at all. EACH AND All
parties reporting this data or receiving the data alleged are equivalently responsible and more over liable for its
accuracy and any resultant injuries as resultant, whether due to willful disregard of consumer reporting requisites
and dutiful responsible complete true and correct reporting or even if in unknowing ignorance . The companies that
report and or accept reports of any and all alleged credit events, besides the original creditors,are any other the
national credit reporting repositories but namely the four primary national leading credit bureaus -- principally
Experian, Equifax, TransUnion, and Innovis.If the bodies involved in credit reporting, be it a reporting creditor, a
data furnisher else wise, or a accepting and data collecting credit reporting agencies are unable or unwilling to
TIMELY produce irrefutable evidence certifying in testimonial document of facts thereby presenting absolute and
unquestionable verifiable proof of these events and the validity to every single one even each any and or all of the
aspects of the allegation(s), they are universally required to remove them permanently or else be in violation of
required federal and state consumer reporting mandates and precedence of standards of lawful ethical compliant
reporting to INCLUDE PROVEN METRO 2 DATA FIELD FORMATTED REPORTING EXACTNESS . If they
violate the law, they can be fined $1,000 per item, per occasion.
FURTHER, the reporting verification process is well known to utilize the e-OSCAR system. PER the site,
<a style="font-weight: bold;" href="http://www.e-oscar.org/">http://www.e-oscar.org/</a>
<span style="font-weight: bold;color: rgb(85, 80, 80);font-size: 14;">
“e-OSCAR” simply stands for the “Online Solution for Complete and Accurate Reporting”
and moreover →
“e-OSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based,
Metro 2 compliant system that has been developed by Equifax, Experian, Innovis and
TransUnion.”
And per <a href="http://www.e-oscar.org/about-e-oscar.aspx">http://www.e-oscar.org/about-e-oscar.aspx</a>
“e-OSCAR is a web-based, Metro 2 compliant, automated system..” so regardless of which
you accept it is clear the REQUISITE to be PROVEN METRO 2 COMPLIANT...And from my
research, each and all submitted data provider AUD requisites them to CERTIFY all aspects
of accuracy to include COMPLIANCE to proper data entries, transfer of data, and
completeness of such true and correct information in order for any of the alleged derogatory
to hold lawful STANDING.Any deficiency of COMPLIANCE,CERTIFICATE of compliance and
or EVIDENCE PROVING THE FULL COMPLIANCE even to the Metro 2 format MUST BE
ENTIRELY ERADICATED upon a consumer notification of said misinformation and or
misreporting. I COMPEL YOU HERE AND NOW to demonstrate fully in testimony of certificate
of all facts or else delete any and all adversary allegations versus me. I demand you delete all
requested and or UPDATE in correction to the status I indicate here within this notification of
consumer complaint, as is my RIGHT to compel you and your dutiful OBLIGATION to submit
to and obey or else be monetarily liable for your willful or ignorant disregard of responsible
consumer reporting practices.
</p>
<p>
<span style="font-size: 16;">
QUESTIONABLE and or NOT COMPLIANT, UNTRUE, INCORRECT, INCOMPLETE, or else<br/>
wise infringing item(s) in question is(are) as follows:<br/>
</span>
<span style="background-color: yellow;">
__ALLEGED_ACCOUNT_DESC__
</span>
</p>
<p style="font-size: 14;text-align: justify;width: 100%;">
<span>
The above noted item in question is either one or more being untrue, inaccurate, incomplete,
not documented undoubtedly mine, not certified irrefutably as my responsibility, not timely or
current to its reported status,not fully FCRA compliant, not fully metro 2 compliant, and or not
testimonial in certificates of facts PROVEN to be any and all of the aforementioned as is
MANDATED by my state’s reporting laws and the federal reporting regulations otherwise. Being
deficient equates to being unlawfully and unethically reported and unfairly injurious to an
infringed consumer such as myself. As such, I am making a notice of official declaration in
consumer complaint compelling you my rightful and lawful request in demand to have all of the
noted information and or relevant data or information pertaining to it(them) be proven FULLY
true, correct, complete, current in its reporting, timely in its reporting, of a documented
ownership, of a testimonial responsibility, and or else wise irrefutably compliant to every aspect
of requisite reporting to include complete compliance to any and all state and or federal
obligations ,particularly the FCRA and the CRSA enacted and CDIA implemented Metro 2 data
field format entry regulatory standards of reporting practices.
Undoubtedly the FCRA along with my state reporting laws give consumers the RIGHT to make
a consumer complaint , challenge and or dispute versus any unproven, untrue, incorrect,
incomplete, or else wise deficient reporting item(s) of information, be it true or not. Per same
mandates, unless lawfully deemed frivolous, any lodged consumer declaration the consumer
credit reporting repository must investigate or re-investigate and must adequately become fully
and undoubted in its compliance certificate within a federally defined timely manner (typically
</span><span style="font-family: Calibri,serif;font-size: 14;"> within 30 days upon receipt of a consumer notification of complaint). Any and all information
must be verified valid by certificate of documented fact of all compliance , updated to such, or
eradicated by full deletion in its entirety any and all aspects of uncertified or unproven to be
certified compliant information.
BECAUSE REQUISITE STATE AND FEDERAL REPORTING LAWS MANDATE ONLY IRREFUTABLY PROVEN
AND DOCUMENTED CERTIFIED COMPLIANT CLAIMS THAT ARE PROVEN TRUE, PROVEN CORRECT,
PROVEN COMPLETE OR ELSE WISE REQUISITE OF LAWFUL REPORTING CAN BE RETAINED OR
REPORTED.IF DEFICIENT IN ONE OR MORE, REGULATORY STATE AND FEDERAL LAWS AND REPORTING
STANDARDS OF PRACTICE AND LEGAL PRECEDENCE MANDATES THE COMPLIANT REMOVAL OF ANY
AND ALL UNPROVEN, UNTRUE, INCORRECT, INCOMPLETE, OR UNCERTIFIED COMPLIANT ALLEGATIONS
OF ADVERSARY AD OR DEROGATORY INJURIOUS CONSUMER DATA BE ERADICATED UPON A
NOTIFICATION ,PARTICULARLY FROM A CONCERNED INJURED CONSUMER.FCRA AND METRO 2
OBLIGATORY REGULATIONS DEMAND YOU TO REPORT PRECISELY AND FULLY CURRENT, TRUE,
CORRECT, COMPLETE, TIMELY, AND DOCUMENTED CERTIFIED COMPLIANT INFORMATION. FACTS BEING
AS ABOVE STATED, ELIMINATE THE ABOVE NOTED ADVERSE NOTATION IN FAULTY ALLEGATIONS OF
DEROGATORY REPORTING O ELSE DEMONSTRATE PHYSICALLY EVERY SINGLE ASPECT OF REQUISITE
APPROPRIATE AND COMPLIANT REPORTING, ESPECIALLY ALL ASPECTS OF THE METRO 2 DATA ENTRY
FIELD FORMATTED REPORTING AND THE CERTIFICATES OF QUALIFICATIONS FOR THE USERS OF THE
METRO 2 SOFTWARE TO TRANSFER SUCH DATA TO YOU THEREBY ALLEGING A VERIFICATION,ALBEIT
ILLEGALLY SO IF NOT PERFECTLY COMPLIANT AND FURTHER PROVEN SUCH TO THE CONCERNED OR
INJURED CONSUMER.ERADICATE OR PROVE ALL ASPECTS INCLUDING EACH NOTED ISSUE OF NOTE
BELOW LISTED:<br/><br/>
a) ACCOUNT OWNERSHIP INCORRECT.<br/><br/>
b) CURRENT STATUS IS ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING<br/><br/>
c) HIGH CREDIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
d) CREDIT LIMIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
e) TERMS DURATION ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
f) DATE OPENED ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING<br/><br/>
g) DATE REPORTED ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
h) BALANCE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
i) AMOUNT PAST DUE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
j) DATE OF LAST PAYMENT AKA THE DOLP ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
k) ACTUAL PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
l) SCHEDULED PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
m) DATE OF LAST ACTIVITY AKA THE DOLA IS ONE OR MORE EITHER INCORRECT, MISSING,OR
MISLEADING<br/><br/>
n) DATE MAJOR DELINQUENCY FIRST REPORTED AKA THE DMDFR IS ONE OR MORE EITHER INCORRECT,
MISSING,OR MISLEADING<br/><br/>
o) MONTHS REVIEWED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
p) ACTIVITY DESCRIPTION IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
q) COMMENTS IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
r) CHARGE OFF AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
s) DEFERRED PAYMENT STARTING DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
t) BALLOON PAYMENT AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
u) BALLOON PAYMENT DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
v) DATE OF FIRST DELINQUENCY AKA THE DOFD IS ONE OR MORE EITHER INCORRECT, MISSING,OR
MISLEADING<br/><br/>
w) 81-MONTH PAYMENT HISTORY IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
x) DATE CLOSED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
y) CREDITOR CLASSIFICATION AKA CREDITOR CLASSIFICATION CODE AKA THE CCC IS ONE OR MORE
EITHER INCORRECT, MISSING,OR MISLEADING.<br/><br/>
z) ONE OR MORE EITHER IS INCORRECT, MISSING,or unlawfully misleading to include the minimal five(5)
portioned personal identifiers, the requisite and sequential 426-character P-6 segment and each of its
trailing fragments, the Alpha-/ Numeric-/ and or AlphaNumeric Source Code(s), The PSC aka Pay status
code(s), the 386 pieces to confirmation of collection(s), and or any and all aspects of mandated metro 2
data field format regulatory reporting standards of practice, any of which a deficiency requisites an
immediate deletion of any and all notations of injurious and or derogatory allegations on the infringed
consumer’s credit profile history.<br/>
</span>
</p>
<p>
<span style="font-weight: bold;font-size: 16;">
In genuine sincerity,<br/> </span>
</p>
<p style="font-family: Times,serif;font-size: 14;">
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:<br/>
<span style="background-color: yellow;">
__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
</span>
</p>
<p style="font-size: 14;">
<span style="margin-left: 80px;">
IN WITNESS WHEREOF, the said party has signed and sealed these presents the day<br/></span>
<span>and year first above written.<br/><br/></span>
<span>Signed, sealed and delivered in the presence of: <span><span style="color: red;"> __FIRST_NAME__ __LAST_NAME__
<br/><br/></span>
</span>
</p>
<p>
<span>Signature _________________________________</span><br/><br/><br/>
</span>
</p>
<p>
<span>STATE OF<br/>
COUNTY OF<br/></span>
</p>
<p style="font-size: 14;text-align: justify;width: 100%;">
I HEREBY CERTIFY that on this day before me, an officer duly qualified to take
<span>acknowledgments, personally appeared </span><span style="color: red;"> __FIRST_NAME__ __LAST_NAME__</span>,<span> who is
personally known known to me or who has produced a VALID SSN CARD and a VALID
CURRENT STATE PHOTOGRAPHIC ID CARD as identification and who executed the foregoing
instrument and he/she acknowledged before me that he/she executed the same.
</p>
<p style="font-size: 14;">
WITNESS my hand and official seal in the County and State aforesaid this<span style="background-color: yellow;"> __DAY__ day of
__MONTH__, __YEAR__.</span>
</span>
</p>
<p style="margin-left: 150px;">
<span >
___________________________________
</span>
</p>
<p style="font-size: 14;">
<span>
Notary Public<br/>
Printed Name:<br/>
</span><span style="margin-left: 150px;"> My commission expires:</span><br/>
SEE COPIES OF SSN AND PHOTO ID BELOW:<br/>
</span>
</p><br/>
__STARTM1__
Evidence of my Proof of identification<br/><br/>
<img src="__image1__" alt="Evidence of my Proof of identification">
<br/><br/><br/>
__ENDM1__
__STARTM2__
Proof of residence or mailing address<br/><br/>
<img src="__image2__" alt="Proof of residence or mailing address">
<br/><br/><br/>
__ENDM2__
__STARTM3__
Proof of social security number<br/><br/>
<img src="__image3__" alt="Proof of social security number">
<br/><br/><br/>
__ENDM3__
__STARTM4__
Copy of State Photo ID<br/><br/>
<img src="__image4__" alt="Copy of State Photo ID">
<br/><br/><br/>
__ENDM4__
__STARTM5__
My Notarized Letter/Form<br/><br/>
<img src="__image5__" alt="Your Notarized Letter/Form">
<br/><br/><br/>
__ENDM5__
</div>