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181 lines
38 KiB
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CRA REPORT# <span style="background-color: #FFFF00">__CRA_REPORT__</span> <br/><br/>
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My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:<br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__ </span><br/><br/>
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TODAY IS __TODAY__
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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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(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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(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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(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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(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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(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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(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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(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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(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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MY PERSONAL 20-digit TRACKING NUMBER IS: <span style="background-color: #FFFF00">__PERSONAL_TRACKING_NUMBER__</span>
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<span style="background-color: #FFFF00">__credit_bureau_name_address__</span>
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Re: alleged yet unproven to be true,correct,complete,timely,mine,my responsibility,FCRA compliant,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::Please remove the Late Payment misinformation immediately and mark my account as PAID/PAYS AS AGREED,NEVER LATE!
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<h2>To whom it might concern, </h2>
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You are reporting NOT PROVEN irrefutably true, correct, complete, timely,or COMPLIANT information.Derogatory allegations deficient of adequate PROVEN COMPLIANCE are not reportable,and the information is deemed inaccurate and incomplete credit information,as related to reporting regardless to truth else wise in reality outside of reporting.The credit report you provided shows a series of Late Payments that are lawfully deemed incorrect or else wise not reportable due to deficient compliance to all laws and standards of reporting. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process,that is, e-OSCAR,is a web-based,METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper CRSA enacted CDIA implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example: Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed.
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Should you feel,ERRONEOUSLY so, that the mis-information is adequately and COMPLETELY true,correct, complete,timely,compliant and as well PROVEN COMPLIANT with document demonstration of certifiably CONFIRMED verification of the data provider’s chicanery of validation,and that it meets all requisite obligations as related to laws,even Metro 2 data field formatted compliance in reporting!
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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.)
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DELETE the following illegally reported late allegations and mark as PAID/PAYS AS AGREED,NEVER LATE” : <br/>
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__SERIAL_LINES__
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<br/>
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Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true,correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
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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!
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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.
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Again,DELETE the following illegally reported late allegations and mark as PAID/PAYS AS AGREED,NEVER LATE” :
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__START1__
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Creditor#1: <span style="background-color: #FFFF00">__creditor1__</span> Account #1 of alleged Late(s): <span style="background-color: #FFFF00">__account1__</span><br/><br/>
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Notation:Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END1__
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__START2__
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Creditor#2: <span style="background-color: #FFFF00">__creditor2__ </span> Account #2 of alleged Late(s): <span style="background-color: #FFFF00">__account2__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END2__
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__START3__
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Creditor#3: <span style="background-color: #FFFF00">__creditor3__</span> Account #3 of alleged Late(s): <span style="background-color: #FFFF00">__account3__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END3__
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__START4__
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Creditor#4: <span style="background-color: #FFFF00">__creditor4__</span> Account #4 of alleged Late(s): <span style="background-color: #FFFF00">__account4__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END4__
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__START5__
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Creditor#5: <span style="background-color: #FFFF00">__creditor5__</span> Account #5 of alleged Late(s): <span style="background-color: #FFFF00">__account5__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END5__
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__START6__
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Creditor#6: <span style="background-color: #FFFF00">__creditor6__</span> Account #6 of alleged Late(s): <span style="background-color: #FFFF00">__account6__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END6__
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__START7__
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Creditor#7: <span style="background-color: #FFFF00">__creditor7__</span> Account #7 of alleged Late(s): <span style="background-color: #FFFF00">__account7__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END7__
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__START8__
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Creditor#8: <span style="background-color: #FFFF00">__creditor8__</span> Account #8 of alleged Late(s): <span style="background-color: #FFFF00">__account8__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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<br/><br/>
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__END8__
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__START9__
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Creditor#9: <span style="background-color: #FFFF00">__creditor9__</span> Account #9 of alleged Late(s): <span style="background-color: #FFFF00">__account9__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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__END9__
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__START10__
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Creditor#10: <span style="background-color: #FFFF00">__creditor10__</span> Account #10 of alleged Late(s): <span style="background-color: #FFFF00">__account10__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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<br/><br/>
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__END10__
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__START11__
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Creditor#11: <span style="background-color: #FFFF00">__creditor11__</span> Account #11 of alleged Late(s): <span style="background-color: #FFFF00">__account11__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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<br/><br/>
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__END11__
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__START12__
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Creditor#12: <span style="background-color: #FFFF00">__creditor12__</span> Account #12 of alleged Late(s): <span style="background-color: #FFFF00">__account12__</span><br/><br/>
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Confirmate the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2 compliant,and with physical proof of each and all. Please provide all information concerned with this allegation unproven,including but not limited to every single notation, any and all dates, each audit, the accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor classification codes, and of course the minimal five (5) part personal identifiers.Delete the LATE PAYMENT CLAIM and return the reporting back to “PAYS /PAID AS AGREED,NEVER LATE”, today,even right NOW!
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<br/><br/>
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__END12__
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“e-OSCAR is 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…” ! That being TRUE, even you REALIZE the requisite to be 100% fully and adequately and EXACTLY correct in your reporting evento the regulatory standards of the Metro 2 data field formatted reporting mandates much more than simply reporting true, accurate and complete. Courts have many times gave precedence that deficient PROOF demonstrated physically to a consumer equates to deficient reporting and elimination of the right to retain said allegations muchmore report it. Due to fact you are either unable or unwilling to compose a writ testifiable certificate of fact to the full trueness, correctness, completeness,timeliness,ownership,responsibility,fcra compliance, compliance to my STATE’s reporting regulations,and PROVEN METRO 2 COMPLIANCE you must eradicate any claims of adversary or derogatory nature. I demand that you immediately and now eliminate the above noted not proven compliant allegations of mis-information:
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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.
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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 todebtvalidationconstitutescollectionactivity. Iamalsorequestingthe names, addresses and telephone numbers of individuals you contacted during your investigation.
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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.
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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 duetoYOUR DEFICIENT and NOT PROVEN COMPLIENT 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:
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1- FULL LEGAL NAME as it Appears on my Credit report <br/>
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2- Legal Address of Record <br/>
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3- SSN # (or redacted last 4 digits) <br/>
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4- Date of Birth <br/>
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5- Zip Code for my Home Address <br/>
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<br/>
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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.)
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Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true,correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
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<br/><br/>
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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!
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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.
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This is a request under 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 of the validity of the reported late payments from my credit file your bureau provided to me. To be more specific, based on FCRA 611 (a) (2) (B), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place. This is a clear violation of the FCRA and the FCBA.
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Please provide me with all of the information you used for your investigation. Please reply within 15 days or delete the negative items, as originally requested.
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1. Tell me in writing what information you received from this creditor to support the presence of these supposed late payments.
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2. Tell me in writing what you did to determine that the information the creditor provided was accurate.
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3. Note how the information was relayed to the creditor and the EXACT information (type/kind) that was provided to your bureau as PROOF of the accuracy of these late payments.
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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.)
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Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true,correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
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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!
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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
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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.
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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.
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Thank you for your time and help in this matter.
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Sincerely,<br/>
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<span style="background-color: #FFFF00">__sincerely__</span><br/><br/>
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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?
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Please see enclosed document evidence of my Proof of identification,Proof of residence or mailing address,and Proof of social security number, copy of the medical collection items under challenge as reported on your credit reporting agency’s reports
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