129 lines
11 KiB
HTML
129 lines
11 KiB
HTML
<div style="text-align: justify;text-justify: inter-word;">
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TRANSUNION FILE/REPORT # <span style="background-color: #FFFF00">__EXPERIAN_REPORT__</span> <br/><br/>
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TODAY IS __TODAY__ <br/><br/>
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My First and My Last name is<br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__</span><br/><br/>
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My street number,street name,current resident city,and current resident state is: <br/>
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<span style="background-color: #FFFF00">__STREET_NO__ __STREET_NAME__, __CITY__, __STATE__</span> <br/><br/>
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<br/>
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The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported , or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true,correct,complete,timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
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<br/><br/>
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MY PERSONAL 20-digit TRACKING NUMBER IS : <span style="background-color: #FFFF00">__PERSONAL_TRACKING_NUMBER__</span>
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<br/><br/>
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<table style="width:100%">
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<tr><td>TRANSUNION</td><td>TRANSUNION</td><td>TRANSUNION</td></tr>
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<tr><td>PO Box 2000</td><td>PO Box 1000</td><td>PO Box 2000</td></tr>
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<tr><td>CHESTER, PA 19016-2000</td><td>CHESTER, PA 19022-1000</td><td>CHESTER, PA 19022-2000</td></tr>
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</table>
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<br/><br/>
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RE: Unauthorized and or possibly Fraudulent,certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiry(ies) by Original Creditors on my TransUnion Credit Reports
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<br/><br/>
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Dear TransUnion,
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<br/><br/>
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In the course of recently screening my personal TransUnion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose (to be retained or reported lawfully) allegedly made by the following Original Creditor’s:
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<br/>
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__SERIAL_LINES__
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<br/>
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I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else anul via full deletion of the entire unproven derogatory allegation(s) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
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<br/>
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To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my TransUnion credit report on this(these) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor(s) have(has) violated the Fair Credit Reporting Act Section 1681b(c)., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100% provable true,correct,complete,and timely reporting.
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<br/>
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Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client's State's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
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<br/><br/>
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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.
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Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five (5) business days so that I can verify its validity.If need be I will require that you advised them that if they cannot provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus,including you Experian, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
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To that end, further I am also requesting that they remove any and all of my personal information from their records.
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<br/><br/>
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in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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<br/><br/>
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I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five (5) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. § 1681n] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
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<br/>
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I insist that you do whatever is in your power to ensure that The(these) alleged Original Creditor(s) comply(ies) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
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<br/>
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I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100% true,accurate,complete,timely, mine, my responsibility,or compliant to metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
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Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623(a)(3), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps,whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure(s) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking $5,000 (or the maximum allowable sueable monetary award I can seek) in damages for one or more of the following:
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<br/> <br/>
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1.) Defamation
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<br/> <br/>
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2.) Negligent Enablement of Identity Fraud
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<br/> <br/>
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3.) Violation of the Fair Credit Reporting Act
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<br/> <br/>
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4) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
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<br/> <br/>
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You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows:
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<br/><br/>
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My First and My Last name is<br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__</span><br/><br/>
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My street number,street name,current resident city,and current resident state is:<br/>
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<span style="background-color: #FFFF00">__STREET_NO__ __STREET_NAME__, __CITY__, __STATE__</span> <br/><br/>
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P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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<br/><br/>
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I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today,right now even:
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<br/>
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__SERIAL_LINES__<br/>
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<h4><span style="text-decoration: underline;">In genuine sincerely,</span></h4>
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<br/>
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My First and My Last name is<br/>
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<span style="background-color: #FFFF00">__FIRST_NAME__ __LAST_NAME__</span><br/><br/>
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<br/><br/>
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__STARTM1__
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Evidence of my Proof of identification<br/><br/>
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<img src="__image1__" alt="Evidence of my Proof of identification">
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<br/><br/><br/>
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__ENDM1__
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__STARTM2__
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Proof of residence or mailing address<br/><br/>
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<img src="__image2__" alt="Proof of residence or mailing address">
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<br/><br/><br/>
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__ENDM2__
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__STARTM3__
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Proof of social security number<br/><br/>
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<img src="__image3__" alt="Proof of social security number">
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<br/><br/><br/>
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__ENDM3__
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__STARTM4__
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Copy of State Photo ID<br/><br/>
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<img src="__image4__" alt="Copy of State Photo ID">
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<br/><br/><br/>
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__ENDM4__
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__STARTM5__
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My Notarized Letter/Form<br/><br/>
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<img src="__image5__" alt="Your Notarized Letter/Form">
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<br/><br/><br/>
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__ENDM5__
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</div> |