131 lines
28 KiB
HTML
131 lines
28 KiB
HTML
<div style="text-align: justify;text-justify: inter-word;">
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__REPORT_NAME_PREFIX__ Report Number: <span style="background-color: #FFFF00">__EXPERIAN_REPORT__</span>
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<br/><br/>
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My First & LAST name,<br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__</span>
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<br/><br/>
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My Street NUMBER & Street NAME ,and My City and State are as Follows<br/>
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<span style="background-color: #FFFF00">__STREET_NO__ __STREET_NAME__, __CITY__, __STATE__</span>
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<br/><br/>
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TODAY IS __TODAY__
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<br/><br/>
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****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.
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<br/><br/>
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(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.
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<br/><br/>
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(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
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<br/><br/>
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(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.
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<br/><br/>
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(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.
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<br/><br/>
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(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.
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<br/><br/>
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(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.
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<br/><br/>
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(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.
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<br/><br/>
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(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
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<br/><br/>
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MY PERSONAL 20-digit TRACKING NUMBER IS : <span style="background-color: #FFFF00">__SOCIAL_SECURITY_NUMBER__</span>
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<br/><br/>
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Credit Bureau & Credit Bureau ADDRESS per Credit Report EXACTLY as displayed:<br/>
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<span style="background-color: #FFFF00">__ADDRESS__</span>
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<br/><br/>
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RE: demand to rectify current deficiencies in your current reporting, as the challenged items are lacking lawful STANDING due to being untrue, inaccurate, incomplete, not mine, not my responsibility, not FCRA compliant, not FDCPA compliant, not Metro 2 format compliant, and or not CERTIFIED proven to be every one each any and or all of the aforementioned required aspects for adequate and ethical lawful reporting!
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<br/><br/>
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<h2>To whom it might concern, </h2>
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<br/>
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Pursuant to FCRA, Metro 2 format requisites and the FDCPA,, I now exercise my lawful right to question the validity of the information in my file.
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<br/>
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FAIR CREDIT REPORTING ACT ,section 609 “DISCLOSURE to consumers: ( c)(2)(E) 609(c)(2)(E) states that "a consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated under section 605 or cannot be verified."
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<br/>
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<a href="http://www.ftc.gov/os/statutes/031224fcra.pdf">http://www.ftc.gov/os/statutes/031224fcra.pdf</a>
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<br/>
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If accurate derogatory information in the consumer's file cannot be verified, the reporting agency is required to remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies are undoubtedly accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. No doubt,the intent of the government was to protect debtors or alleged debtors such as myself and other infringed and or injured consumers,from having untrue, inaccurate , incomplete, misleading and or unproven compliant information used against them.But the burden of proof is not entirely on the original creditors and certainly not at all on the consumer in any manner at all. EACH AND All parties reporting this data or receiving the data alleged are equivalently responsible and more over liable for its accuracy and any resultant injuries as resultant, whether due to willful disregard of consumer reporting requisites and dutiful responsible complete true and correct reporting or even if in unknowing ignorance . The companies that report and or accept reports of any and all alleged credit events, besides the original creditors,are any other the national credit reporting repositories but namely the four primary national leading credit bureaus -- principally Experian, Equifax, TransUnion, and Innovis.If the bodies involved in credit reporting, be it a reporting creditor, a data furnisher else wise, or a accepting and data collecting credit reporting agencies are unable or unwilling to TIMELY produce irrefutable evidence certifying in testimonial document of facts thereby presenting absolute and unquestionable verifiable proof of these events and the validity to every single one even each any and or all of the aspects of the allegation(s), they are universally required to remove them permanently or else be in violation of required federal and state consumer reporting mandates and precedence of standards of lawful ethical compliant reporting to INCLUDE PROVEN METRO 2 DATA FIELD FORMATTED REPORTING EXACTNESS . If they violate the law, they can be fined $1,000 per item, per occasion.
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<br/>
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FURTHER, the reporting verification process is well known to utilize the e-OSCAR system. PER the site,<br/> <a href="http://www.e-oscar.org/">http://www.e-oscar.org/</a>
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<br/>
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“e-OSCAR” simply stands for the “Online Solution for Complete and Accurate Reporting” and moreover →
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“e-OSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based, Metro 2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion.”
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<br/>
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And per <a href="http://www.e-oscar.org/about-e-oscar.aspx">http://www.e-oscar.org/about-e-oscar.aspx</a>
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<br/>
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“e-OSCAR is a web-based, Metro 2 compliant, automated system..” so regardless of which you accept it is clear the REQUISITE to be PROVEN METRO 2 COMPLIANT...And from my research, each and all submitted data provider AUD requisites them to CERTIFY all aspects of accuracy to include COMPLIANCE to proper data entries, transfer of data, and completeness of such true and correct information in order for any of the alleged derogatory to hold lawful STANDING.Any deficiency of COMPLIANCE,CERTIFICATE of compliance and or EVIDENCE PROVING THE FULL COMPLIANCE even to the Metro 2 format MUST BE ENTIRELY ERADICATED upon a consumer notification of said misinformation and or misreporting. I COMPEL YOU HERE AND NOW to demonstrate fully in testimony of certificate of all facts or else delete any and all adversary allegations versus me. I demand you delete all requested and or UPDATE in correction to the status I indicate here within this notification of consumer complaint, as is my RIGHT to compel you and your dutiful OBLIGATION to submit to and obey or else be monetarily liable for your willful or ignorant disregard of responsible consumer reporting practices.
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<br/><br/>
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QUESTIONABLE and or NOT COMPLIANT, UNTRUE, INCORRECT, INCOMPLETE, or else wise infringing item(s) in question is(are) as follows:
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<br/>
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<span style="background-color: #FFFF00">__INPUT_VALUE__</span>
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<br/><br/>
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The above noted item in question is either one or more being untrue, inaccurate, incomplete, not documented undoubtedly mine, not certified irrefutably as my responsibility, not timely or current to its reported status,not fully FCRA compliant, not fully metro 2 compliant, and or not testimonial in certificates of facts PROVEN to be any and all of the aforementioned as is MANDATED by my state’s reporting laws and the federal reporting regulations otherwise. Being deficient equates to being unlawfully and unethically reported and unfairly injurious to an infringed consumer such as myself. As such, I am making a notice of official declaration in consumer complaint compelling you my rightful and lawful request in demand to have all of the noted information and or relevant data or information pertaining to it(them) be proven FULLY true, correct, complete, current in its reporting, timely in its reporting, of a documented ownership, of a testimonial responsibility, and or else wise irrefutably compliant to every aspect of requisite reporting to include complete compliance to any and all state and or federal obligations ,particularly the FCRA and the CRSA enacted and CDIA implemented Metro 2 data field format entry regulatory standards of reporting practices.
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<br/>
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Undoubtedly the FCRA along with my state reporting laws give consumers the RIGHT to make a consumer complaint , challenge and or dispute versus any unproven, untrue, incorrect, incomplete, or else wise deficient reporting item(s) of information, be it true or not. Per same mandates, unless lawfully deemed frivolous, any lodged consumer declaration the consumer credit reporting repository must investigate or re-investigate and must adequately become fully and undoubted in its compliance certificate within a federally defined timely manner (typically within 30 days upon receipt of a consumer notification of complaint). Any and all information must be verified valid by certificate of documented fact of all compliance , updated to such, or eradicated by full deletion in its entirety any and all aspects of uncertified or unproven to be certified compliant information.
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BECAUSE REQUISITE STATE AND FEDERAL REPORTING LAWS MANDATE ONLY IRREFUTABLY PROVEN AND DOCUMENTED CERTIFIED COMPLIANT CLAIMS THAT ARE PROVEN TRUE, PROVEN CORRECT, PROVEN COMPLETE OR ELSE WISE REQUISITE OF LAWFUL REPORTING CAN BE RETAINED OR REPORTED.IF DEFICIENT IN ONE OR MORE, REGULATORY STATE AND FEDERAL LAWS AND REPORTING STANDARDS OF PRACTICE AND LEGAL PRECEDENCE MANDATES THE COMPLIANT REMOVAL OF ANY AND ALL UNPROVEN, UNTRUE, INCORRECT, INCOMPLETE, OR UNCERTIFIED COMPLIANT ALLEGATIONS OF ADVERSARY AD OR DEROGATORY INJURIOUS CONSUMER DATA BE ERADICATED UPON A NOTIFICATION ,PARTICULARLY FROM A CONCERNED INJURED CONSUMER.FCRA AND METRO 2 OBLIGATORY REGULATIONS DEMAND YOU TO REPORT PRECISELY AND FULLY CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, AND DOCUMENTED CERTIFIED COMPLIANT INFORMATION. FACTS BEING AS ABOVE STATED, ELIMINATE THE ABOVE NOTED ADVERSE NOTATION IN FAULTY ALLEGATIONS OF DEROGATORY REPORTING O ELSE DEMONSTRATE PHYSICALLY EVERY SINGLE ASPECT OF REQUISITE APPROPRIATE AND COMPLIANT REPORTING, ESPECIALLY ALL ASPECTS OF THE METRO 2 DATA ENTRY FIELD FORMATTED REPORTING AND THE CERTIFICATES OF QUALIFICATIONS FOR THE USERS OF THE METRO 2 SOFTWARE TO TRANSFER SUCH DATA TO YOU THEREBY ALLEGING A VERIFICATION,ALBEIT ILLEGALLY SO IF NOT PERFECTLY COMPLIANT AND FURTHER PROVEN SUCH TO THE CONCERNED OR INJURED CONSUMER.ERADICATE OR PROVE ALL ASPECTS INCLUDING EACH NOTED ISSUE OF NOTE BELOW LISTED:
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a)ACCOUNT OWNERSHIP INCORRECT.<br/>
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b)CURRENT STATUS IS ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING <br/>
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c)HIGH CREDIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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d)CREDIT LIMIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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e)TERMS DURATION ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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f)DATE OPENED ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING <br/>
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g)DATE REPORTED ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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h)BALANCE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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i)AMOUNT PAST DUE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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j)DATE OF LAST PAYMENT AKA THE DOLP ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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k)ACTUAL PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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l)SCHEDULED PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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m)DATE OF LAST ACTIVITY AKA THE DOLA IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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n)DATE MAJOR DELINQUENCY FIRST REPORTED AKA THE DMDFR IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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o)MONTHS REVIEWED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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p)ACTIVITY DESCRIPTION IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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q)COMMENTS IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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r)CHARGE OFF AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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s)DEFERRED PAYMENT STARTING DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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t)BALLOON PAYMENT AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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u)BALLOON PAYMENT DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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v)DATE OF FIRST DELINQUENCY AKA THE DOFD IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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w)81-MONTH PAYMENT HISTORY IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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x)DATE CLOSED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING <br/>
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y)CREDITOR CLASSIFICATION AKA CREDITOR CLASSIFICATION CODE AKA THE CCC IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING.<br/>
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z)ONE OR MORE EITHER IS INCORRECT, MISSING, or unlawfully misleading to include the minimal five(5) portioned personal identifiers, the requisite and sequential 426-character P-6 segment and each of its trailing fragments, the Alpha-/ Numeric-/ and or AlphaNumeric Source Code(s), The PSC aka Pay status code(s), the 386 pieces to confirmation of collection(s), and or any and all aspects of mandated metro 2 data field format regulatory reporting standards of practice, any of which a deficiency requisites an immediate deletion of any and all notations of injurious and or derogatory allegations on the infringed consumer’s credit profile history.
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<br/><br/>
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In genuine sincerity,
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<br/>
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My First & LAST name, <br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__</span>
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<br/><br/>
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My Street NUMBER & Street NAME ,and My City and State are as Follows
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<br/>
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<span style="background-color: #FFFF00">__STREET_NO__ __STREET_NAME__, __CITY__, __STATE__</span>
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<br/><br/>
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__START1__
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Copy of SS Card<br/><br/>
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<img src="__image1__" alt="Copy of SS Card">
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<br/><br/><br/>
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__END1__
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__START2__
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Copy of State Photo ID<br/><br/>
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<img src="__image2__" alt="Copy of State Photo ID">
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<br/><br/><br/>
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__END2__
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__START3__
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Copy of PROOF of my CURRENT and ONLY REQUISITE REPORTED ADDRESS<br/><br/>
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<img src="__image3__" alt="Copy of PROOF of my CURRENT and ONLY REQUISITE REPORTED ADDRESS">
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<br/><br/>
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__END3__
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__START4__
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My Notarized Letter/Form<br/><br/>
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<img src="__image4__" alt="Your Notarized Letter/Form">
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<br/><br/><br/>
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__END4__
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</div> |