maintain reasonable procedures to assure MAXIMUM possible accuracy of consumer credit information COMPLIANTLY REPORTED, see 15 U.S.C. 1681e; GBL 380-j(e) and M2FPOC per CRSA. Per above and standards else wise, consumers are lawfully of ability to dispute information (including CHECKS for certified compliant reporting processes and mandated reporting metro 2 format compliance certifications and if any deficiency is suspected or reporting is else wise questionable consumer may challenge the report-ability of claim, true or not, valid or not). Upon a consumer dispute (or consumer CHECK for compliance including any challenges if necessary) the CRA notified MUST conduct a reasonable reinvestigation seeking verifiability of true accurate validated data that was compliantly reported in the mandatory reporting format. In this investigation the concerned CRA is REQUIRED to review any and all information and submissions and also consider any and all RELEVANT INFORMATION submitted by the consumer with respect to the disputed or else wise questioned reported claim of derogatoriness as signaled by at least 15 USC 1681 i(a)(4) and M2FPOC1-5. The CRAs reinvestigation process for disputes and or checks of compliant reporting and or challenges contesting claim's report-ability generally entails submitting the consumer files complaint to the furnisher of the contested or questionably reported information using a shared, computerized system caled e-OSCAR, unless the CRA determines that the information provided by the contesting consumer is itself sufficient to enable the CRA notified to update the consumer's file WITHOUT submitting the consumer's complaint to the furnisher of questioned claim of reporting. CLEARLY submission requesting EVIDENT PROOF OF the REQUIRED CERTIFIED COMPLIANT REPORTING of only factually and PHYSICALLY VERIFIED TRUE ACCURATE COMPLETE VALIDATED claims is significant enough to merit IMMEDUATE CEASE OF REPORTING by the notified CRA such as in this particular case here in the NOTICE now from me to you, a CRA! Above noted event’s data furnisher has or is currently in an infraction of reporting regulation(s) and or standards as related to one or more of the below listed improper reporting practices, so please REMOVE CLAIM FROM REPORTING ASAP as REQUIRED by law: (1) Data Furnisher violated FDCPA Section 807 “FLALSE OR MISLEADING REPRESENTATIONS” [15 USC 1692e] ----> (a) Communicating or threatening to communicate any person credit information which is known or which should be known to be false (and or misleading), INCLUDING THE FAILURE TO COMMUNICATE THAT A DISPUTED (QUESTIONED/ CHALLENGED REPORTING OF) DEBT IS DISPUTED (QUESTIONED /CHALLENGED AS REPORTED). (2) FDCPA Section 809 (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, (the REPORT-ABILITY of claimed debt), or any portion thereof, the debt will be assumed to be valid by the debt collector; (3) FDCPA Section 809 5(b) Disputed debts which indicates that If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, (OR THAT THE REPORT-ABILITY of alleged claim of debt is QUESTIONED and or CHALLENGED due to misapplied applications of requisite reporting standards and/or inability to certificate adequate reporting practices) , or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt (and or report-ability of) or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed (or its reporting is QUESTIONED/CHALLENGED) or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt, (QUESTION and or CHALLENGE the REPORT-ability of) or request the name and address of the original creditor.
(4) Data Furnisher attempted to illegally collect debt(s) as defined in FDCPA § 810. Multiple debts ---> If any consumer owes multiple debts and makes (OR ATTEMPTS TO MAKE OR IS REQUESTED BY DEBT COLLECTOR TO MAKE) any single payment to any debt collector with respect to such debts (including those currently NOT LAWFULLY REPORTING) , such debt collector may not apply such payment to any debt which is disputed (or has its report-ability QUESTIONED/CHALLENGED) by the consumer and, where applicable, shall apply such payment in accordance with the consumer's directions. And (ANY ACCEPTED PAYMENTS must be for ONLY NOT DISPUTED, NOT QUESTIONABLY REPORTED, and or NOT ELSEWISE COMPLIANTLY CHALENGED).
(5) FDCPA (related to 15 USC 1692K (b) which indicates that any person (or ENTITY) who violates [and or is unable/unwilling to timely document upon a consumer check of validity and or compliant reporting the requisite and most appropriate process(es) of collection and or the lawfully accepted standard for factual reporting of alleged not yet certified compliantly reported validated true accurate claim of debt and or derogatoriness] this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. (6) 15 U.S.C. § 1692k ,3(b1) (1) in any individual (Entity) action under subsection (a)(2)(A) of this section, the frequency and persistence of  noncompliance (or INABILITY/UNWILLINGNESS to TIMELY document COMPLIANT REPORTING and or COLLECTION of any claim factually true and verified accurate and fully VALID) by the debt collector(entity), the nature of such noncompliance, and the extent to which such noncompliance was intentional; or (7) 15 U.S.C. § 1692k ,3(b2), (2) in any class action under subsection (a)(2)(B) of this section, the frequency and persistence of  noncompliance (or INABILITY/UNWILLINGNESS to TIMELY document COMPLIANT REPORTING and or COLLECTION of any claim factually true and verified accurate and fully VALID) by the debt collector (Entity), the nature of such noncompliance, the resources of the debt collector (Entity), the number of persons adversely affected, and the extent to which the debt collector's (Entity’s) noncompliance was intentional. FURTHER, As a matter relating to the alleged yet still unproven claimed public record event, I require you to demonstrate validity and certified compliance of reporting for the event’s alleged consumer’s full name of record, consumer’s resident address of reported event, consumer’s date of birth, consumer’s social security number of event’s recording, event’s filing date, event’s dismissal and or discharge date(s), if any, event’s current status, event’s asset amount, event’s court of record, event’s parties of suit, and any other necessary factual information related to claim’s reality and or report-ability. Please understand, however, given previous failures of data furnisher and or your agency to provide the necessary demonstrated undoubted and documented certified compliant proof of claims, you MUST now eradicate or cease your reporting of this and any other deficient claim(s), mentioned or not! True or not! Please supply the information required of you below so that I am also fully informed of your factually valid and certified compliant reporting(s): (A) The name and address of the Court Clerk’s office contacted for verification of reported event’s claims of truth, accuracy, completeness, timeliness, ownership and responsibility, validity else wise and its certified compliant reporting(s) to include the mandated metro 2 format compliant reporting(s). (B) The Phone and Fax number(s) of the Individual(s) and or Department(s) from whom you obtained this or any information from. ( C) Provide the standard procedure for your verification and validation of disputes and or challenges contesting validity and or report-ability of claim(s), specifically in relationship to the Metro 2 Five Points of Compliance, the FCRA, and FDCPA as determined by you and or the alleged reporting data furnisher(s). (D) I demand that you demonstrate and also provide to me a carbon copy of the exact information that the reported court of record has provided YOU in regards to this clearly deficiently potentially invalid and or not compliantly reported claim of public record event. **You have a MAXIMUM of FIVE (5) days to not only ACKNOWLEDGE in WRITING the receipt of this 15 USC 1692 g(b) contesting challenging your claim of CERTIFIED COMPLIANTLY REPORTED , METRO 2 FORMATTED , and else wise lawfully documented truth and validity of claim exactly as reported and beyond that LEGALLY you have at maximum 30 days to provide the above requested information or else be in dereliction of your reporting responsibilities and unlawful in your degrading of my consumer creditworthiness, a suitable offense! Now, if you cannot or so elect NOT to pursue this matter further, you are to provide me with a written notice of item REMOVAL FROM REPORTING or notice of your CEASED REPORTING of the afflicted claims I am contesting the compliance of and or validity of and or both, you are allowed up to 14 days to submit this remedy to me to avoid my further seeking of resolution via a court of civil action versus you. ***As you are undoubtedly aware, “Estoppels by Silence” is when a party purposefully remains silent but is legally obliged to speak, a Legal ban is established. More completely, Estoppels by Silence (EOS) arises when a party is under a duty to speak but fails to do so. Estoppels by Silence (EOSI) is also known as Estoppels by Standing (EOSt) or Estoppels by Inaction (EOI). That stated and clarified, the alleged data furnishers’ previous failure, unwillingness, and or inability else wise to timely and factually document , AS IS REQUIRED TO LAWFULLY REPORT, their physically verified claim to be undeniably and fully true , correct, complete, mine and of my sole ownership of responsibility, validated in whole, and additionally, their process of reporting and the format of their reporting of the still yet unproven not certified compliantly reported allegation is and was done so ONLY in the factually compliant manner as is requisite as related to the mandatory and accepted lawful and standard(s) of applicable reporting process(es) and mandatory reporting format (i.e. Metro 2 Data Field Formatted reporting standard) DETAILS FACT THAT THE CURRENT REPORTING is INSUFFICIENT as reported and this DEFICIENCY in reporting mandates its COMPLETE and IMMEDIATE ERADICATION from my current consumer report profile, I DEMAND that you ensure this claim’s reporting is in fact proven to have achieved documented VALIDITY and CERTIFIED COMPLIANCE of REPORTING standards and if not proven and documented REMOVE IMMEDIATELY and PERMANENTLY here now to return to and or retain complaint reporting of ONLY lawfully true valid claims factually verified physically and certified compliantly reported! ****UPON your OBVIOUS REQUIREMENT to ERADICATE this deficiently reported derogatory data versus me, I DEMAND that you further act in compliance to notify any and all other repositories that might have reported this claim as well. The mandate is indicated in CRSA as well per your link of https://www.e-oscar.org/implementation/about-us It indicates that the CRAs SHALL IMPLEMENT an automated process to SHARE with each other dispute/challenge outcomes for consumer complaints processed (see Point 5 of M2FPOC) ... Truly appreciative of your adequate efforts to report COMPLIANTLY, In GENUINE SINCERITY and GRATITUDE,