CRA REPORT# __CRA_REPORT__
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:
__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
TODAY IS __TODAY__
****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.
(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.
(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
(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.
(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.
(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.
(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.
(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.
(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
MY PERSONAL 20-digit TRACKING NUMBER IS : __PERSONAL_TRACKING_NUMBER__
__credit_bureau_name_address__
To WHOM it should concern,ideally the one responsible shall I seek civil justice upon
your continued misreporting,
Re: alleged yet NOT proven true,NOT correct, NOT complete,NOT Timely,NOT of my
ownership,NOT of my responsibility,NOT with appropriately achieved permissible purpose, NOT
FCRA compliant, and or NOT METRO 2 COMPLIANT claim of charge off as follows:
ALLEGED account# OF yet unproven and illegally NOT PROVEN COMPLIANT COLLECTION :
__alleged__
BEFORE WE BEGIN,TAKE CLEAR NOTICE THAT I AM AN EDUCATED AND LEARNED STUDENT
OF MY CONSUMER AND ALSO MY CIVIL RIGHTS,LITIGATION IS NOT MY ENEMY BUT MY ALLI .If
you are confused as to the legal ramifications OF BEING DEFICIENT OF NOT ONLY COMPLIANCE
BUT PROVEN COMPLIANCE AS WELL MUCH LESS TRUE,ACCURATE AND COMPLETE
REPORTING, I suggest you consult immediately with your legal counsel prior to your erroneous
decision to counter me minus adequate documentation of every single one even each any and or
all of the aspects,notations,and fragments of allegations accused of meas you have currently
reporting ILLEGALLY! .
This letter is your formal notice to cease and desist all collection activities in regards to the above
account. 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. By ignoring my legal validation request your firm is in
direct violation of the FDCPA.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.This DECLARATION is a formal complaint that you
are reporting inaccurate and incomplete credit information that has been MIXED in a process
caused by your firm's Automated Credit Dispute Verification system. The account above MUST be
deleted because the original collector has failed to meet regulatory compliance standards
repeatedly in this matter (see attached validation notice to collector). As you're well aware your
agency sent a letter stating that you had completed your investigation and the item was not
deleted, as requested. My dispute was a specific DEMAND FOR VALIDATION not YOUR
AUTOMATED Verification under FCRA 611 (a) (7) I am seeking a description of the procedure used
by your agency in providing all information to the creditor associated with my earlier dispute
under FCRA 611 (a) because the creditor in question has DENIED receiving any such request from
your firm .I respectfully request to be provided with ALL written documentation of how and what
means you used to verify this inaccuracy. Certainly your firm ACKNOWLEDGES that in a dispute
such as mine YOU are required under the phase TWO status, of your settlement agreement to
provide the information and either escalate this MIXED file dispute or DELETE the item!
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
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!
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.
As your firm is well aware I have LEGALLY exercised my rights by disputing the validity of this
debt.CERTAINLY BEYOND A SHADOW OF A DOUBT, WHEN A CIVIL COURT TAKES RIGHTFUL
NOTE THAT I have in writing and by phone demanded that you provide documented validation to
me, instead you have ignored my demands and started phone harassment against me. Since
your firm has knowingly violated both federal and state law, I am demanding that you CEASE all
collection activities. Including but not limited to any and all phone calls, emails or faxes, Stop at
once reporting the debt in question to any and all Credit Reporting Agencies and remove any
current erroneous reports you may have provided.
I have composed this writ notice of my formal consumer complaint and declaration of challenge to your
still unproven to be compliant much less fully true,complete,correct,and timely reporting even having no
documentary evidence of certified ownership and responsibility of the alleged claim fronted by you versus
me unjustly so.This is in response to the communication I received from a collector representing your
agency recently, quite disturbing and frustrating mind you!. Your collector informed me that INSANELY I
somehow am being sought after because you believe , in ERROR, that I do or did at one point owe YOU
an alleged debt of any nature (see enclosed). Prove it sayI and do so extremely mindful of the obligation
to abide fully each and all regulations,precedence, and standards of reporting as per determined by
federal and MY STATE’s consumer reporting laws & regulations, INCLUDING the CRSA ( Credit
Reporting Settlement Agreement) which enacted the CDIA to implement the METRO 2 DATA FIELD
FORMATTING REGULATORY REPORTING COMPLIANCE standards and laws. The way of the past
inyour unethical and unlawful reporting chicanery and subterfuge will cost you now,and I am hopeful you
test my reserve and intelligible ability to convince a civil court of your willful wrong doings, despite my
written note to you detailing exactly your ignorance to required procedural mannerism in the conduction of
the business you do. Alarmingly,when I questioned the collector regarding your rights to pursue this, I was
laconically and rudely or even repetitiously informed that your collection company ignores lawfully
required mandates the office policy DID NOT permit any validation of the information regarding this
alleged debt and it was your firm's policy to NOT provide detailed account records to ANY debtor. When I
demanded to speak with a supervisor, your collector informed me that a supervisor was unavailable and I
could pay the debt or face being sued by your firm. When I informed YOUR collector that I was starting to
record the conversation your collector hung up.
If your firm does not COMPLY in writing to this CEASE and DESIST notice within 5 days as
demanded I will not hesitate to bring suit against your firm in this matter as in the example of Mey
v. RFA aka RELIANT FINANCIAL ASSOCIATES
After being inauspiciously threatened with appalling legal actions by your employee, I contacted the
United States CONSUMER FINANCIAL PROTECTION BUREAU; I spoke with a representative who
forwarded me to a supervisor who clearly pointed OUT that YOUR Firm IS REQUIRED BY THE FDCPA
and the Credit Reporting Bureau Settlement agreement to PROVIDE all of the FOLLOWING information
to any debtor that your firm is pursuing. Additionally, my family attorney has confirmed that your FIRM is
compelled by TORT law precedent to provide this information or face a lawsuit : Haddad v. Alexander,
Zelmanski, Danner & Fioritto, PLLC, --- F. 3d --- (6th Cir. 2014), 2014 WL 3440174 (6th Cir. Mich.
2014).More over, I have learned of your dictatum to obey the obligations required as related to proper
retaining and reporting of any consumer’s alleged debts,(real or imaginary), namely the Metro 2 Certified
compliant reporting of any and all aspects of derogatory claim..
Might I request that you PLEASE supply the following information in complete detail exactly as is
required of you permy state and the federal laws that govern your behavior?
:
a)Why you think I owe the debt, and to whom I owe it, including:
b)The name and address of the creditor to whom the debt is currently owed, the account number used by
that creditor, and the amount owed.
c)If this debt started with a different creditor, provide the name and address of the original creditor, the
account number used by that creditor, and the amount owed to that creditor at the time it was transferred.
When you identify the original creditor, please provide any other name by which I might know them, if that
is different from the official name. In addition, tell me when the current creditor obtained the debt and who
the current creditor obtained it from.
d)Provide verification and documentation (retail installment contract etc.) that there is a valid basis for
claiming that I am required to pay the debt to the current creditor.
e)If you are asking that I pay a debt that somebody else is or was required to pay, identify that person.
Provide verification and documentation about why this is a debt that I am required to pay.
Might you PLEASE tender to me EXACTLY the certifiable and PROVEN ACCURATE amount and
the PRECISE age of the debt, specifically :
f)Identify the date of the last payment made on this account.
g)State the amount of the debt when you obtained it, and when that was.
h)A copy of the last billing statement sent to me by the original creditor.
i)If there have been any payments or other reductions since the last billing statement from the original
creditor, provide an itemization showing the dates and amount of each of them.
j)If there have been any other changes or adjustments since the last billing statement from the original
creditor, please provide full verification and documentation of the amount you are trying to collect.
k)Explain how that amount was calculated. In addition, explain how the other changes or adjustments are
expressly authorized by the agreement creating the debt or permitted by law.
l)If there have been any additional interest, fees, or charges added since the last billing statement from
the original creditor, provide an itemization showing the dates and amount of each added amount. In
addition, explain how the added interest, fees or other charges are expressly authorized by the
agreement creating the debt or are permitted by law.
m)Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me
when you think the statute of limitations expires for this debt, and how you determined that.
Are you with significant Due Diligence and Rights to Collect?
n)I would like more information about your firm before I discuss the debt with you. Does your firm have a
debt collection license from my state? If not, say why not. If so, provide the date of the license, the name
on the license, the license number, and the name, address and telephone number of the state agency
issuing the license.
o)If you fail to provide any of the information or documentation I have asked for, please say why. If you do
not provide it, and do not adequately explain why, I will understand that you are unable to confirm or
document your claims.
p)If you are contacting me from a place outside my state, does your firm have a debt collection license
from that place? If so, provide the date of the license, the name on the license, the license number, and
the name, address and telephone number of the state agency issuing the license.
Do you submit to the mandate obligations involved with Governing regulatory Compliance?
q)Is your firm aware of (Complying with the Credit Bureau Settlement Agreement)?
r)Provide a SIGNED notice of Compliance with regulatory measures as required by both the CFPB and
the Credit Bureau Settlement Agreement (signed by your compliance officer, validating this DEBT and
including the the name, title, and License number for the reviewing officer)?
s)I demand, as is MY LAWFUL CONSUMER RIGHT TO DO SO, that you provide a COMPLETE (Metro 1
or Metro 2) snapshot of the debt report you have provided to the CRA’s (including a full P-segment
–trailing segment of the report)?
i)Your reporting is unproven to be TRUE,so legally there can be no truth assumed to the allegations of which you
report in chichanary lead subterfuge.
ii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and
irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
subterfuge.
iii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in
the application of exacting and reliably consistent precision of any data for reporting being undoubted and
irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
subterfuge.
iv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and
TIMELY in the application of exacting and reliably consistent precision of any data for reporting being
undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in
chichanary lead subterfuge.
v)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully
CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in
the application of exacting and reliably consistent precision of any data for reporting being undoubted and
irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
subterfuge.
vi)Your reporting is unproven to be of MY RESPONSIBILITY (and regulations are CLEAR on mandates to be fully
CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in
the application of exacting and reliably consistent precision of any data for reporting being undoubted and
irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
subterfuge.
vii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully
CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as
related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent
precision of any data for reporting being undoubted and irrefutable) ,so legally there can be no truth assumed
to the allegations of which you report in chichanary lead subterfuge.
vi)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY
REPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of
FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any
potentially injurious claim in the application of exacting and reliably consistent precision of any data for
reporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of
which you report in chichanary lead subterfuge.
t)As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your
firm’s process of verification and validation for each disputed credit item (also include the name, title, and
License number for the reviewing officer)?
u)Is your firm currently Metro 2 compliant in its credit bureau reporting procedures (if not pleaser provide
a signed declaration and waiver memorandum you have filed with the credit bureau or credit bureau
reporting service that details the full process and steps your firm is under taking to become Metro2
compliant)?
v)Does your firm outsource data entry for your collection process (if so please provide the legal name and
address of that data entry firm)?
w)In addition, please inform me if or not your firm participate or utilize any type of ACDV (Automated
Credit Dispute Verification) software or system?
x)When precisely (exact date) did your firm obtain or commence collection activities on this debt?
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.
I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the
ABOVE noted information,PERFECTLY without a single mark or error on even ONE of the many
multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable
document evidence of certified truthfulness and equally of adequately accurate, complete and timely
reporting above and beyond compliant.. If your firm CANNOT produce ALL of the above noted
documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm
CANNOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is
demanded. If you choose to ignore this demand, I will pursue a direct course offered under the
SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY
GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and
37 other states that specifically EMPOWERS a working group to remediate and hold accountable and
sanction data furnishers who fail to meet the requirements of the FDCPA and CFPB’s compliance
guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this
VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday
against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and
Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark
date of this validation demand to answer.
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 for your time and help in this matter.
Sincerely,
__sincerely__
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Evidence of my Proof of identification
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Proof of residence or mailing address
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Proof of social security number
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Copy of State Photo ID
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My Notarized Letter/Form
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