__REPORT_NAME_PREFIX__ Report Number: __EXPERIAN_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:
__NAME_ADDRESS__
TODAY IS __TODAY__
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.
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.
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.
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.
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.
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.
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.
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.
MY PERSONAL TRACKING NUMBER IS: __SOCIAL_SECURITY_NUMBER__
__ADDRESS__
Re: alleged yet unproven to be true,correct,complete,timely,mine,my responsibility, FCRA
Compliant, and or 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.The
following claim(s) are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them
each and all RIGHT NOW!
__RECORDS__
To whom it might concern ,
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance
is my officially composed writ formal complaint that you are reporting one or more of the
following,ILLEGALLY mind you: 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 viii)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.
THIS IS MY DECLARATION IN CHALLENGE OF STANDING AND SERVES AS MY OFFICIAL
AND RIGHTED Notice of CERTIFIABLE AND TESTIMONIAL 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!
OBVIOUSLY,in this Notice for my DECLARATION of CHECK of COMPLIANCE (DOCC) I would
like to make known my challenge versus any information by which you fail to present demonstrated
PROOF physically to m of the adequate testament of FACTS as related to each and every notation and or
aspect of the report allegations, how reported,and the certified Metro 2 Compliance status of any and all
entities involved and or tangentially related to the unlawful retaining and reporting of misinformation
even beyond my composition of writ complaint compelling you to abide by any and all federal laws and
or related regulations within MY STATE. As you might well have concluded ,recently while reviewing
my report I found a number of likely mistakes and inaccuracies that you are reporting
(again,UNLAWFULLY SO might I add), among the most troubling are listed below (see below) and
clearly involves a failure by your firm to maintain reasonable procedures to assure maximum possible
accuracy of consumer credit information 15 U.S.C. § 1681. It is with CLARITY that it is UNPROVEN
these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to
me.In fact,with your apparent consistency with being extraordinarily INCONSISTENT has to make the
question to the actual existence even of this claimed circumstance much less likely being been MIXED
onto my credit report by an erroneous reporting error because your company can’t maintain accurate
information, either WILLFULLY or in IGNORANCE!REGARDLESS, federal laws and civil courts are
CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit
reports to be fully and adequately trained and CERTIFIED METRO 2 COMPLIANT.Any claims from an
uncertified agent would certainly grant likelihood the information transferred is NOT QUALIFIED for
retaining and or reporting per laws of COMPLIANCE for PROVEN ACCURATE and COMPLETE
reporting, INCLUDING the full implementation of Implementation of the CRSA enacted CDIA METRO
2 COMPLIANT data entry standards. The item I believe to be incorrect is listed below. I am also
including a copy of how this item is reported BY your credit reporting agency. Moreover, I recently
requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported
incorrectly. In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a
POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been
violated, I am exercising my rights under the FCRA 611 (a) (7) for 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) .UNMISTAKABLY,Your bureau is now being LAWFULLY COMPELLED by rightful consume
DEMAND to provide detailed information in this matter as this matter has escalated into a pending tort
action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on
FCRA 611 (a) (2) (B), you WILL forward all of the relevant information provided by you to the creditor
for their investigation of my dispute. 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. Iamalsorequestingthe 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 following claim(s) are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE
them each and all RIGHT NOW!
__RECORDS__
NOTATION:If not physically irrefutable you are not authorized to retain or report this allegation so annul
in brief today even right now or certificate that your testimony proves compliance and accuracy of every
and one even each any and all OF THE data aspects.Subterfuge is unlawful,I demand that you return to or
retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
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.
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.
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.)
AGAIN I ask, 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.
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,
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:
__NAME_ADDRESS__
P.s. My NEXT letter will be a notification of my LOITS!So you no need for a legal dictionary, a LOITS notice is a Letter Of
Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of
the implemented CRSA enacted CDIA implemented Metro2 Compliance mandates as well. I will demand verification that each
employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained
by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing my
DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of
victories being awarded a minimum of $1000PER VIOLATION PER TIME,and there certainly appears to be a bucket
full.So,let’s do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment
of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being
mine (yeah!) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that
your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious
however criminal charges are not out the question, particularly if your chichanary led subterfuge brings forth or allows for
damages versus me including fraud and or identity theft due to your willful enablement of it. Impositive I could convince a court
of your liabilities to me. WHAT SAY YOU?
__START1__
Evidence of my Proof of identification
__END1__
__START2__
Proof of residence or mailing address
__END2__
__START3__
Proof of social security number
__END3__
__START4__
Copy of COLLECTION/CHARGE OFF item(s) under challenge as reported on your credit reporting agency’s reports
__END4__
__START5__
My Notarized Letter/Form
__END5__