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__
Re: alleged INQUIRIES DEFICIENT OF REQUIRED PROOF OF ADEQUATE PERMISSIBLE PURPOSE THEREFORE UNLAWFULLY REPORTED INQUIRIES ARE ACCUSED VERSUS ME IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MAKER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OR AT LEAST $1,000+ PER UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT WAS CHALLENGED IN WRIT COMPOSITION (WHICH THIS IS MY OFFICIAL WRITING COMPLAINT)
To whom it might concern,
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! I have become aware of some mystifying still unknown credit inquiries on my credit report.I here now compel you to eliminate the(se) unlawful unproven claims versus me. This consumer complaint challenging the(se) allegation(s) is done so under various consumer protection laws and standards of practice, such as FCRA 611(a)(7) which specifically mandates procedural description(s) utilized by you in the providing and obtaining this inquiry record, including if this was obtained by a third party Information Broker and thereafter sold to your firm. I have contacted EACH of the creditors behind these erroneous Inquiries’ and was informed that because the Inquiry was made via the internet, they have NO record of an application being made BY ME! I have been advised by attorneys that this inquiry record that you are reporting is a violation of the FCRA and the FDCPA and cannot be reported. Please delete them immediately!
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.)
All INQUIRIES are considered records of factual reporting and as such CERTAINLY have the specific requirements to be PHYSICALLY DOCUMENTED to be ADEQUATELY COMPLIANT. Any allegations of inquiries MUST be attestable to have be acquired via LAWFULLY obtained and executed PERMISSIBLE PURPOSE by the one and only and EXACTLY IDENTIFIED CONSUMER ACCUSED and or an agent AUTHORIZED to procure such a right. ANY CLAIMS that are NOT evidenced in testimonial PROOF can NOT be considered COMPLIANT and NO ENTITY can legally be DEFICIENT of compliance in their RIGHTS to report or even to RETAIN the allegations, the manner of which they reported it, the manner they RECEIVED the data, and exactly WHAT the data IS that's REPORTED. IGNORANCE of federal and or state mandates is NOT EXONERATION of reporting obligations and to do so beyond a challenge is a INJURIOUS INFRACTION of reporting regulations and likely INFRINGING action(s) upon consumer and or civil rights otherwise. Further, CONTINUED MIS-REPORTINGS of federally obsolete and or NOT COMPLIANT data, be it true or not, be it accurate or not, is such that SHOULD there be resultant fraud the VIOLATORS might in fact be considered to be CRIMINALLY NEGLIGENT for their possible ENABLEMENT of IDENTITY THEFT. RETURN TO or RETAIN federally REQUIRED REPORTING COMPLIANCE TODAY, even RIGHT NOW by IMMEDIATELY acting appropriately to ANNUL any and all aspects of the adverse and or derogatory information that is UNPROVEN per the FCRA and METRO 2 standards of REPORTING LAW.
Here is the erroneous record deficient of compliance or proof of compliance of which you are reporting in subterfuge, illegally!
__START1__
Creditor #1 ALLEGING inquiry W/out PROOF of P/P: __creditor1__
Date #1 of the ALLEGED Inquiry that is NOT COMPLIANT: __date1__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END1__
__START2__
Creditor #2 ALLEGING inquiry W/out PROOF of P/P: __creditor2__
Date #2 of the ALLEGED Inquiry that is NOT COMPLIANT: __date2__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END2__
__START3__
Creditor #3 ALLEGING inquiry W/out PROOF of P/P: __creditor3__
Date #3 of the ALLEGED Inquiry that is NOT COMPLIANT: __date3__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END3__
__START4__
Creditor #4 ALLEGING inquiry W/out PROOF of P/P: __creditor4__
Date #4 of the ALLEGED Inquiry that is NOT COMPLIANT: __date4__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN
DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END4__
__START5__
Creditor #5 ALLEGING inquiry W/out PROOF of P/P: __creditor5__
Date #5 of the ALLEGED Inquiry that is NOT COMPLIANT: __date5__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END5__
__START6__
Creditor #6 ALLEGING inquiry W/out PROOF of P/P: __creditor6__
Date #6 of the ALLEGED Inquiry that is NOT COMPLIANT: __date6__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END6__
__START7__
Creditor #7 ALLEGING inquiry W/out PROOF of P/P: __creditor7__
Date #7 of the ALLEGED Inquiry that is NOT COMPLIANT: __date7__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END7__
__START8__
Creditor #8 ALLEGING inquiry W/out PROOF of P/P: __creditor8__
Date #8 of the ALLEGED Inquiry that is NOT COMPLIANT: __date8__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END8__
__START9__
Creditor #9 ALLEGING inquiry W/out PROOF of P/P: __creditor9__
Date #9 of the ALLEGED Inquiry that is NOT COMPLIANT: __date9__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END9__
__START10__
Creditor #10 ALLEGING inquiry W/out PROOF of P/P: __creditor10__
Date #10 of the ALLEGED Inquiry that is NOT COMPLIANT: __date10__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END10__
__START11__
Creditor #11 ALLEGING inquiry W/out PROOF of P/P: __creditor11__
Date #11 of the ALLEGED Inquiry that is NOT COMPLIANT: __date11__
Notation: This accusation is NOT ethical nor lawful WITHOUT evidence physically of legal and adequately acquired permissible purpose so DELETE it and any associated allegations of derogatory accounts link to it, if any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2 compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and verify information electronically).PER YOUR OWN DESCRIPTION, e-oscar is described as being “ a web-based, Metro 2 compliant, automated system
that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable consumer reporting.Annul by full deletion Today,here and NOW!
__END11__
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 for your time and help in this matter.
Sincerely,
__sincerely__
Please see enclosed document evidence of my Proof of identification,Proof of residence or mailing address,and Proof of social security number.