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webroot/admin_RTG/DPLP_challenge_letter_FORMAT.html
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webroot/admin_RTG/DPLP_challenge_letter_FORMAT.html
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<!DOCTYPE html>
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<html>
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<head>
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<title></title>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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</head>
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<body style="font-family: Arial,serif;text-align: justify;text-justify: inter-word;">
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<div style="width: 100%;margin:0 auto">
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<!-- <h1 style="text-decoration:underline;text-transform:uppercase;margin-bottom: 0;font-family:Impact">DPLP challenge letter</h1>
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<p style="font-size: 18px;
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font-weight: 500;margin:0">The Data Provider Late Payment Challenge Letter edited/ created/
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enhanced for David Aters by Rodney Peak Sunday June 18 2017</p>-->
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<p style="text-align: right;">Today’s Date is : <span style="background-color:yellow;">__TODAY_DATE__</span></p>
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<p style="margin-bottom:0;font-weight:bold;"><span style="font-family:Arial,serif;background-color:yellow;">__NAME__</span></p>
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<p style="margin:0;font-weight:bold;"><span style="background-color:yellow;">__STREET_NO_STREET_NAME__</span> </p>
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<p style="margin:0;font-weight:bold;border-top: 1px solid white;"><span style="background-color:yellow;">__CITY_STATE__</span></p>
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<br/>
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<br/>
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<br/>
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<p style="margin-bottom:0;font-weight:bold;color:black;"><span style="background-color:yellow;">__ALLEGEG_PROVIDER_NAME__</span> </p>
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<p style="margin:0;font-weight:bold;color:black"><span style="background-color:yellow;">__ALLEGEG_PROVIDER_FULL_ADDRESS__</span> </p>
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<p style="margin:0;font-weight:bold;color:black;border-top: 1px solid white;"><span style="background-color:yellow;">__ALLEGEG_CITY_STATE_ZIP__</span></p>
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<br/>
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<br/>
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<p style="margin-bottom:0;font-weight:bold;color:black;">
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Re: Acct# <span style="background-color:yellow;text-decoration:underline;">__ACCT__</span>
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</p>
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<br/>
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<p>
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<span style="font-family: Arial,serif;
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font-size: 13px;
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color: rgb(116,27,70);
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font-weight: bold;
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font-style: normal;
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text-decoration: none;">
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Re:re: Official Writ Composition Notification in lawful declaration of your DEFICIENT of <br/>
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compliant reporting and demands for you to become suitably and substantially compliant to your<br/>
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requisites of mandated reporting laws and truthful, correct, complete, and timely submission of<br/>
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adequate full information of alleged derogatory nature(s) in the metro 2 data field formatted<br/>
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reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumer’s<br/>
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credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT<br/>
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within the accepted standards of reporting law and as such you are compelled to eradicate by<br/>
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deletion of any adverse indicators or demonstrate physically verifiable evidence adequately<br/>
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validated claims.<br/>
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</span>
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</p>
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<div style="">
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<span style="text-decoration:underline;font-style:normal;font-weight:bold;font-size:24pt;font-family:Arial;color:#000000">To Whom It May Concern</span>
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</div>
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<p style="text-align: justify;font-size: 18px;">
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This letter is regarding my account with you→> that being account #<br/>
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<span style="background-color:yellow">__ACCT__</span> and the still unproven accusations you make in regards<br/>
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to it (unlawfully so mind you) ,which you claim that my <br/>
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account has been late on payments. This is a formal notice that your claim<br/>
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is being challenged as to its MANDATED compliant reporting and if<br/>
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unproven then your notification that it is irrefutably being disputed. In the<br/>
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very least.I am requesting validation, made pursuant to the <span style="text-decoration:underline;font-weight:bold;">Fair Debt<br/>
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Collection Practices Act and the Fair Credit Reporting Act,</span> along with<br/>
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my <span style="text-decoration:underline;font-weight:bold;">corresponding local state laws</span>.<br/>
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Please note that I am requesting “validation”; that is competent evidence of<br/>
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any and all calculations, accounting audits, dates, and balances as related<br/>
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to only the account agreement(s) I hold with you of which there exists a<br/>
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consumer-credit contract detailing my agreement with any and all terms of<br/>
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said proven contract alleged which additionally is unmistakeable in the<br/>
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bearing of my execution of lawful signature indisputably showing that I am<br/>
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knowledgeable of any and all conditions of such that might have created<br/>
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any derogatory or non-positive reflections upon my account history. In<br/>
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particularly, I demand concrete and irrefutable physical evidence of any<br/>
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and all documented proof that I am or have (or ever had) been late.<br/>
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Please also be aware that any negative mark found on my credit reports<br/>
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(including Experian, Transunion and Equifax) from your company or any<br/>
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company that you represent, is a violation of the FCRA and or the FDCPA;<br/>
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therefore if and when you cannot <span style="text-decoration:underline;font-weight:bold;background-color:#00FF00;color:red;">validate the negative remark,or<br/>
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produce substantial physically verifiably confirmed proof of complete<br/>
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reporting truth, accuracy, completeness, timeliness, and compliance</span><br/>
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→> the laws are in clarity to the facts that you absolutely <span style="font-weight:bold">must request<br/>
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that all credit reporting agencies display</span> <span style="font-weight:bold;font-family: 'Impact',serif;">ONLY demonstrated <br/>
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proven compliant information</span> to include any related to every single<br/>
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one even each any and or all of the still unproven alleged payment history<br/>
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deciencies OR ANNUL by full deletion every allegation of derogatory<br/>
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notation and insertion of only <span style="font-family: Arial,serif;color:rgb(153,0,0);background-color:#FFB6C1">PAID or PAYS as <br/>
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AGREED,NEVER LATE!<br/></span>
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Please forward to me as well as display to the consumer credit reporting<br/>
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agencies ONLY irrefutably COMPLIANT information as to what the<br/>
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account history is or remove any doubts with your submission to showcase<br/>
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the account’s payment history as "<span style='font-weight:bold;text-decoration:underline;'>paid or pays as agreed,NEVER LATE</span><br/>
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entry”.<br/>
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Per FEDERAL REQUIREMENTS upon a consumer complaint (be it a<br/>
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dispute or be it a challenge checking for compliant reporting) pending the<br/>
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outcome of my investigation of any evidence that you submit, you are<br/>
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further instructed to take no action that could be detrimental to any of my<br/>
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credit reports.Your Failure to respond within 30 days of receipt of this<br/>
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certied letter and or your DEFICIENT OF COMPLIANT RESPONSE will<br/>
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indeed result in small claims legal action against your company at my local<br/>
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venue. Without hesitancy, I would be seeking a minimum of $1,000+ per<br/>
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infraction per reporting cycle in a suitable rectifying and remedial setting<br/>
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such as my local civil court (which undoubtedly would likely to be in my<br/>
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favor), and or even whatever other minimum monetary awards additionally<br/>
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I might be then rendered due to your deficient of compliant reporting (or<br/>
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lack of proof of deficient reportings) as is mandated by my State’s laws as<br/>
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well as the federal regulations such as is described with the regulatory and<br/>
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obligatory statutes such as the FDCPA, FCRA,my State’s credit reporting<br/>
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codes or else wise to include the requisites to have only true, correct, and<br/>
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complete recordings in utilization of the Metro 2 data field formatted<br/>
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reporting regulatory standards.<br/>
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As is within my consumer and civil rights to do so, I hereby enact my right<br/>
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to compel you by demand to please annul via full deletion/removing of<br/>
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every single one even each any and all of the unproven derogatory<br/>
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allegations of MY ACCOUNT or any aspect of adverse notations that is<br/>
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deficient of demonstrated evidence of certified compliance to adequate<br/>
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lawful and ethical reporting.<br/>
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LET IN BE CLEAR that I am NOT in dispute to the ownership nor<br/>
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responsibility to this account of MINE, however if you are unable or<br/>
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unwilling to present the mandated provable documents as to the <span style="font-family: 'Impact',serif;color:rgb(255,0,0);background-color:#00FFFF;font-size: 24px;">full <br/>
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truth, accuracy, completeness, timeliness, and <br/>
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otherwise compliance</span> of HOW REPORTED and HOW<br/>
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utilized, then you must per law eradicate any and all negative aspects.It is<br/>
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my request that you RETURN to or RETAIN federal COMPLIANCE and<br/>
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accurate reporting with your willful display of the account’s history as<br/>
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being “<span style='font-family: Arial,serif;
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font-size: 24.1px;
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color: rgb(0,0,255);
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font-weight: normal;
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font-style: normal;
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text-decoration: underline;' >PAID/PAYS as AGREED--NEVER <br/>
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LATE</span>”. Any other notation is possibly refutable or even unlawful<br/>
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chichanary-led subterfuge which might be deemed an illegal infraction that<br/>
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creates potential unjustified consumer injury to which is OBVIOUSLY a<br/>
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SEVERE infringement of any reporting ethics and standards of law. Today,<br/>
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even right NOW and right here I suggest you remove any violation-laced<br/>
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behaviors on your part with you immediate submission to my request via<br/>
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this complaint in writ composition.Please forward me notification that you<br/>
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have communicated with the consumer credit reporting agencies and have<br/>
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,without any delays, directed each to eliminate any and all adverse remarks<br/>
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and further to display “PAID or PAYS as AGREED, NEVER LATE! “. Any<br/>
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other response on your part is INSUFFICIENT to responsible reporting and<br/>
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would be deemed an act of aggression, be it an unlawful one.<br/>
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In genuine sincerity,
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<br/>
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<br/>
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<span style='background-color:yellow'>__SINCERELY__</span>
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</p>
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<!-- <p style='font-family: Arial,serif;
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font-size: 14px;
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color: rgb(255,0,0);
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font-weight: bold;
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font-style: normal;
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text-decoration: none;'>
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**please see the enclosed identifying objects that detail my current lawful name, current lawful resident address, and<br/>
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current lawful proof of identity which includes copies of my State identification card, document proof of my ssn and or my<br/>
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ssn card, and a recent utility bill depicting evidence of my residence.<br/>
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</p> -->
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</div>
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</body>
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</html>
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