CRA REPORT# __CRA_REPORT__
My One and Only current First and Last name AND Street NUMBER and Street NAME along with my
current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE
IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE
REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:
__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 & Credit Bureau ADDRESS:
__credit_bureau_name_address__
RE:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is
all or in part: 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!To be clear,you are mandated by laws to eliminate every
notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to
be true, correct, complete, timely, documented as being mine,testimonial to be of my responsibility,with FCRA
compliance,andor CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or
potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted
CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any
item upon a consumer complaint,such as is this notice here and now.Please RETURN to or retain federally lawful
reporting with your unwavering and unconditional annulment of every single one even each any and or all of the
allegations accused of me deficient of physical evidence to every and all aspects of said claims,be them true or not.
Re:re: Alleged yet UNPROVEN to be testimonial in certificate of compliance in affirmation of full truth, correctness,
completeness, timeliness, ownership,responsibility , and or compliant aspects elsewise as MANDATED by lawful and
requisite regulatory reporting standards of practice REQUIRING IMMEDIATE ERADICATION in it’s entirety
immediately! Please DELETE TODAY, here and now even, the allegations of charge off by the creditor claiming account
number/description below:
Alleged creditor reporting UNPROVEN to be compliant chargeoff:
__ALLEGED_ACCOUNT__
Alleged account number/description f UNPROVEN to be compliant chargeoff:
__ALLEGED_ACCOUNT_DESC__
To Whom It May Concern ,
PLEASE VERIFY AND VALIDATE PHYSICALLY EVERY AND ONE EVEN EACH ANY AND OR
ALL OF THE CLAIMS OF THIS ALLEGED YET UNPROVEN TO BE MY RESPONSIBILITY OR
FAULT.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 THIS DEFICIENT REPORTING OR ELSE PRESENT TO ME
TRUE DOCUMENTED CERTIFICATE PROOF OF ALL DATA, EVERY NOTATION, DATE,
BALANCE, CALCULATION, AUDIT, PERSONAL IDENTIFIER, EACH OF THE REQUISITE
426-CHARACTERS OF THE EXACT AND FULLY COMPLIANT P6 STATEMENT, ANY ALPHA-/
NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODE DECIDING THE LEFTNESS OR
RIGHTNESS STATES,AND EVEN EVERY ASPECT OF THE MANDATED 386 PIECES OF
CONFIRMATION TO COLLECTION.This certified declaration of formal writ complaint of your
compliance deficient reporting of apparent untrue/ inaccurate/ untimely/ unproven mine and or
incomplete credit information that has been obviously erred in a process or by an inept systemic derelict
of responsibilities caused possibly by your firm's Automated Credit Dispute Verification system. EVERY
SINGLE ONE EVEN EACH ANY AND OR ALL OF THE PORTIONS OF ALLEGATIONS OF TH
questioned and challenged reported derogatory accounts as above listed MUST be ADEQUATELY AND
COMPLIANTLY re-investigated. THIS IS MANDATED PER MY STATE AND THE RELATED
FEDERAL LAWS because the original collector has CONSISTENTLY failed to meet EVERY SINGLE
ONE EVEN EACH ANYAND OR ALL OF ITS OR THE REQUISITIONS OF regulatory compliance
standards in this matter (see attached validation notice to collector). As you are certainly well
aware,counter to compliance your agency sent to me a a very shocking and more over a sickeningly
misleading letter stating that you had completed your investigation and every single one even each any
and or all aspects of the challenged and or disputed items of allegations (yet still no provocative physical
evidence certificates the fact of nor the compliance of the claims nor any portions thereof) were not
annulled by being deleted, as requested. My challenge was for a very specific DEMAND FOR
VALIDATION and not YOUR not compliant and obvious AUTOMATED Verification.I commanded
such within my civil and or consumer rights afforded me under the Fair Credit Reporting Act, namely
FCRA 611 (a) (7) ..
As is my RIGHTS as display just above mentioned , 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 (please
note that this correspondence and reply is being forwarded to my legal representative for review). I
respectfully request to be provided with EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF
THE written documentation of EXACTLY how and EXACTLY BY WHAT MEANS WAS UTILIZED
BY YOUR INVESTIGATOR to verify the accuracy of this collection account. Certainly your firm
ACKNOWLEDGES that in a dispute such as mine YOU are required under the METRO-2,phase TWO
status, of your credit reporting settlement agreement to provide the information and either escalate this
distraught file dispute or DELETE the items in concern!
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
Please DELETE TODAY, here and now even, the allegations of charge off by the creditor claiming account
number/description below:
Alleged creditor reporting UNPROVEN to be compliant chargeoff:
__ALLEGED_ACCOUNT__
Alleged account number/description f UNPROVEN to be compliant chargeoff:
__ALLEGED_ACCOUNT_DESC__
NOTATION: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,CONFIRM the five key components of our individual identities in case this data breach becomes yet
another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR
DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer
records,particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the
following personal information: 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of
Record 3- SSN # (or redacted last 4 digits) 4- Date of Birth 5- Zip Code for my Home Address
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!
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.
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.
IN GENUINE SINCERITY,
My One and Only current First and Last name AND Street NUMBER and Street NAME along with my
current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE
IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE
REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:
__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
Today is : __TODAY__
***NOTE, should you again fail to present to me ,as MANDATED by federal reporting laws and
the metro 2 format regulations to annul this still unproven potentially untrue, incorrect or else
wise not physically verifiable valid allegation with proof of irrefutable certificate of testimonial
affirmation of facts I will have no other option but to assume your ignorance of requisite and
appropriate reporting mandates is through your undoubted willful disregard of your responsibility
to dutiful and perfected ethical reporting and undeniable attestations to the 100% certificate of
compliance in every single one even each any and or all of my state’s standards of reporting
and equally that of any and all federal standards , whether mentioned or not! I compel you to
return to lawful reporting and legal standing without any injuries or prejudices to me, now or in
future! SEND TO ME ABSOLUTE DOCUMENT EVIDENCE of your intent to delete or the
CERTIFIED EXACTING AUD displaying perfection of your reporting claims I find yet unfounded!
__IMAGE_HEADING__