Credit Report #: __EXPERIAN_REPORT__
Today is __TODAY__
My First and My Last name is:
__FIRST_NAME__ __LAST_NAME__
My Street NUMBER and My Street NAME is:
__STREET_NO__ __STREET_NAME__
My City and My State is:
__CITY__, __STATE__
Re: My certified letter in notice of an official consumer declaration of complaint for your thus far NOT proven true, NOT proven correct, NOT proven complete, NOT proven timely, or NOT proven compliant mis-information, to include likely the deficient of proven metro 2 compliant data field formatted reporting as MANDATED! I am enacting my consumer and or civil rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
__credit_bureau_name_address__
To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be errors, or are deficient of proof of not being untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or else wise not compliant, to include to metro 2 reporting standards.
Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting:
__STARTR1__
The following addresses are reporting deficient of compliance, any likely even altogether incorrectly and must be removed immediately….
Please DELETE all of these unproven reportable addresses:
__report1__
__ENDR1__
__STARTR2__
The following employment allegations are reporting deficient of compliance, any likely even altogether incorrectly and must be removed immediately….Please DELETE any and all of these unproven reportable employment allegations:
__report2__
__ENDR2__
__STARTR3__
The following aliases (or OTHER names) allegations are reporting deficient of compliance, any likely even altogether incorrectly and must be removed immediately….Please DELETE any and all of these unproven reportable aliases (or OTHER names) allegations:
__report3__
__ENDR3__
__STARTR4__
The following telephone contact allegations are reporting deficient of compliance, any likely even altogether incorrectly and must be removed immediately…. Please DELETE any and all of these unproven reportable telephone contact allegations:
__report4__
__ENDR4__
The federal and my state laws require full compliance to any and all standards of exacting and perfect reporting in its entirety, and should I be compelled to direct a consumer request for a lawful potential resolution via civil and or criminal courts, undoubtedly the court and its ruling magistrate would requisite irrefutable evidence to every single and each any and or all of the aspects of mandated reporting of which you are obligated, to include full proof in testimonial certificate to your precise metro 2 reporting. The CRSA enacted ad CDIA implemented Metro 2 COMPLIANCE standards will be among the many fold documents of evidence I will with no uncertainty request from you for each and every allegation of adversary notation and aspects of claimed account(s) that clearly needs to be removed immediately:
To avoid such an unnecessary and obviously troublesome action for you, please compose undoubted certificates of your lawful actions to irrefutably verify and validate all data for this and all allegations of derogatory account and or aspects of adversary reporting to include at a minimum every notation, each and all dates, unmistakable accounting balances, all transactions and the audits of all such activities, any and all lawfully verified and recorded identifications, the minimal five (5) portioned personal identifiers, each and every of the alpha-/ numeric-/ and or alphanumeric source codes, all of the sequential and precisely exact 426 characters of the P-6 segment (aka P-statement),the 386 pieces to confirmation of a collection (if any), the creditor classification codes, each and all pay status, and else wise mandated portions of metro 2 compliant reporting, whether reported or not. To return to federal and my state’s reporting compliance, as REQUIRED BY LAW, please eradicate any and every aspect of adversary and or derogatory reporting UNPROVEN to be in its entirety FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance to each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING!
The following account needs to be removed immediately:
Below listed are the items declared in my consumer complaint as need for deletion due to deficient evidence of testimonial facts of reporting regulations, please ANNUL each NOW:
__START1__
Alleging Creditor#1 and Account #1 as is reported on my credit report:
__creditor1__
Notation: Per CRSA enacted, CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END1__
__START2__
Alleging Creditor#2 and Account #2 as is reported on my credit report:
__creditor2__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END2__
__START3__
Alleging Creditor#3 and Account #3 as is reported on my credit report::
__creditor3__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END3__
__START4__
Alleging Creditor#4 and Account #4 as is reported on my credit report:
__creditor4__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END4__
__START5__
Alleging Creditor#5 and Account #5 as is reported on my credit report:
__creditor5__
Notation: Per CRSA enacted, CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END5__
__START6__
Alleging Creditor#6 and Account #6 as is reported on my credit report:
__creditor6__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END6__
__START7__
Alleging Creditor#7 and Account #7 as is reported on my credit report::
__creditor7__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END7__
__START8__
Alleging Creditor#8 and Account #8 as is reported on my credit report:
__creditor8__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END8__
__START9__
Alleging Creditor#9 and Account #9 as is reported on my credit report:
__creditor9__
Notation: Per CRSA enacted, CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END9__
__START10__
Alleging Creditor#10 and Account #10 as is reported on my credit report:
__creditor10__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END10__
__START11__
Alleging Creditor#11 and Account #11 as is reported on my credit report:
__creditor11__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END11__
__START12__
Alleging Creditor#12 and Account #12 as is reported on my credit report:
__creditor12__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END12__
__START13__
Alleging Creditor#13 and Account #13 as is reported on my credit report:
__creditor13__
Notation: Per CRSA enacted, CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END13__
__START14__
Alleging Creditor#14 and Account #14 as is reported on my credit report:
__creditor14__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END14__
__START15__
Alleging Creditor#15 and Account #15 as is reported on my credit report:
__creditor15__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END15__
__START16__
Alleging Creditor#16 and Account #16 as is reported on my credit report:
__creditor16__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END16__
__START17__
Alleging Creditor#17 and Account #17 as is reported on my credit report:
__creditor17__
Notation: Per CRSA enacted, CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END17__
__START18__
Alleging Creditor#18 and Account #18 as is reported on my credit report:
__creditor18__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END18__
__START19__
Alleging Creditor#19 and Account #19 as is reported on my credit report:
__creditor19__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END19__
__START20__
Alleging Creditor#20 and Account #20 as is reported on my credit report:
__creditor20__
Notation: Per CRSA enacted,CDIA implemented laws ,any and all reporting must be deleted if not Proven CERTIFIABLY fully true,correct,complete,timely,of known ownership and responsibility but also fully Metro 2 compliant
__END20__
**Should any of the above noted items of chicanery and subterfuge leading to the allegations of the mis-reported misinformation of my complaint also be related to one or more accusations of inquiries, obviously I am now calling for undoubted and irrefutable physical proof of the verifiable validated and adequately acquired permissible purpose exactly as mandated by laws and or else eradicated in its entirety any and all such not yet demonstrated and certified true ,correct, complete,timely,and metro 2 compliant accusations. To be clear, I am within my consumer and civil rights to DEMAND and RECEIVE documentary evidence of each and every aspect of perfect reporting, and I am within my rights equally to compel you to delete immediately any and all non demonstratively proven compliant information, true or else wise!
Prove compliance to every single aspect of notation and make adequate truthful certificate of composed testimony as to such or else you MUST delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act § 611(a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to § 611 (a)(6) [15 USC § 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of § 612 [15 USC § 1681j], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs.Per CRSA,auto-populating ANY data field input entry and or application of Slash Entries (such as 11111 or 00000,etc) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID.Moreover,the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation(s) specifics!Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation,if a data furnisher fails to respond within20 calendar days,e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a RESPONSE,please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment,to include the minimal five(5) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA,any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further,this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information,be it an account or any aspect of such,the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims,and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information,particularly derogatory consumer information,must abide by every and one of current MY state’s reporting regulations as well as those of federal laws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement (CRSA.)
Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true,correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES,or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately,TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. § 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG,as undoubtedly reporting not only must be true,timely,and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
THANK YOU IN ADVANCE for your WILLFUL rectifying of the notated MIS-INFORMATION above indicated,
My First and My Last name is:
__FIRST_NAME__ __LAST_NAME__
My Street NUMBER and My Street NAME is:
__STREET_NO__ __STREET_NAME__
My City and My State is:
__CITY__, __STATE__
__STARTM1__
Evidence of my Proof of identification
__ENDM1__
__STARTM2__
Proof of residence or mailing address
__ENDM2__
__STARTM3__
Proof of social security number
__ENDM3__
__STARTM4__
Copy of State Photo ID
__ENDM4__
__STARTM5__
My Notarized Letter/Form
__ENDM5__