607 lines
44 KiB
HTML
607 lines
44 KiB
HTML
<div style="font-family: Times,serif;">
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<p style="font-size: 14;">
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<span>CRA REPORT# </span><span style="background-color: yellow;">__CRA_REPORT__</span><br/>
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</p>
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<p style="font-size: 14;">
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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: yellow;">
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__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__<br/>
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</span>
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</p>
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<p>
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<span style="font-size: 14;">Today is : </span><span style="background-color: yellow;">__TODAY__</span><br/>
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</p>
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<p style="font-weight: bold;font-size: 13;text-align: justify;width: 100%;">
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****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT,
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COMPLETE,and MANDATED REPORTED information per FCRA regulations,any and all others
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I DEMAND,as is my lawful RIGHT(s) to do so,that you annul and and all deficient of any
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condition,mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis- information now
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or ever,please review and ENSURE your adequate and full accordance to the laws upon which
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govern your practice of reporting consumer credit profiles.<br/><br/>
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(a)I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER
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NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your
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legitimate AUTHORITY to retain much less report without infringing my consumer rights.<br/><br/>
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(b)I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER
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ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your
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legitimate AUTHORITY to retain much less report without infringing my consumer rights<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
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retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY
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to retain much less report without infringing my consumer rights.<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
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Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate
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AUTHORITY to retain much less report without infringing my consumer rights.<br/><br/>
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(e)I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to
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be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate
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AUTHORITY to retain much less report without infringing my consumer rights.<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
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reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain
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much less report without infringing my consumer rights.<br/><br/>
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(g)I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any
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spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or
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product PROOF of your legitimate AUTHORITY to retain much less report without infringing my
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consumer rights.<br/><br/>
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(h)I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to
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be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate
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AUTHORITY to retain much less report without infringing my consumer right<br/>
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</p>
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<p>
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<span style="font-size: 14;">MY PERSONAL 20-digit TRACKING NUMBER IS : </span><span style="background-color: yellow;">__PERSONAL_TRACKING_NUMBER__</span><br/>
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</p>
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<p>
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<span style="font-size: 14;">
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Credit Bureau & Credit Bureau ADDRESS per Credit Report EXACTLY as displayed:
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</span><br/>
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<span style="background-color: yellow;">
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__credit_bureau_name_address__
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</span>
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</p>
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<p style="font-weight: bold;font-size: 13;text-align: justify;width: 100%;">
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RE:<br/><br/>
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant
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Misinformation that is all or in part: DEFICIENT of adequate current status in fullness of TRUTH,
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ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable
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RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite
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compliant reporting thereby mandating your immediate actions to rectify and remedy and any all
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infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,
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COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!To be clear,you are
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mandated by laws to eliminate every notation and or aspect of any and all derogatory and
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adversary items from any and all alleged claims still yet unproven to be true, correct, complete,
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timely, documented as being mine,testimonial to be of my responsibility,with FCRA
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compliance,andor CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any
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and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can
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NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the
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physically verifiability of the CONFIRMED manual validation of any item upon a consumer
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complaint,such as is this notice here and now.Please RETURN to or retain federally lawful
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reporting with your unwavering and unconditional annulment of every single one even each any
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and or all of the allegations accused of me deficient of physical evidence to every and all aspects of
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said claims,be them true or not. PLEASE ERADICATE the following NOT to date PROVEN
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CERTIFIED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY
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RESPONSIBILITY, FCRA COMPLIANT, FDCPA COMPLIANT, METRO 2 format
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COMPLIANT, or else COMPLIANT to any and ALL APPLICABLE regulatory reporting
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mandates and standards of practice and thereby REQUIRING CORRECTIVE REMOVAL
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immediately, even here and now:<br/>
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</p>
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<p>
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<span>
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__ALLEGED_ACCOUNT1__
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</span>
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</p>
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<p>
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<span style="font-weight: bold;font-size: 24;text-decoration: underline;">
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To Whom It May Concern ,
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</span>
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</p>
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<p style="font-weight: bold;font-size: 14;text-align: justify;width: 100%;">
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To wit,let it be noted here in this official writ declaration in contest request for check of certified
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compliant reporting and obviously an official consumer compliant challenging any deficiencies of
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the mandated compliance and or any hesitation to the undeniable verifiable physical proof
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affirming the validity of any and all adversary claims in its or their entirety, save none! I would
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like to forge forward with a righted disputation challenging what likely (due to the still yet
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demonstration of documented evidence to the contrary) is and or are inaccurate, untrue,
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incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility
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allegation(s) of a derogatory item(s) that I see you currently have on my credit report, possibly
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illegally causing violating infringements and OBVIOUSLY UNJUST injury to my credibility. While
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studying my report I have come across a number of mistakes and inaccuracies that you are
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reporting.Please review and eradicate any and all of these following unproven true, correct,
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complete,timely, mine, my responsibility,fcra compliant,metro 2 compliant,or else wise compliant to
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every single one even each any and all of the regulations ,laws,and standards of reporting of which
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you are undoubtedly mandated in your obligation to obey: The following allegations each require
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immediate deletion,do so now and here!<br/><br/>
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</p>
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<p>
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<span>
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__ALLEGED_ACCOUNT2__
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</span>
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</p>
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<p style="font-weight: bold;font-size: 14;text-align: justify;width: 100%;">
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I have obtained a recent copy of my credit report and discovered it contains inaccurate
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information. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete
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and accurate allegations of Accounts that you are reporting that appear to be not in lawful
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compliance to reporting regulations or else wise improperly reported and transferred by other
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lender/servicers on the report. I understand my rights and I am serving you written notice of my
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consumer demand checking for your federally required proof of compliance even to the metro 2
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data field formatted regulatory reporting obligations of you as a specific mandate due to the CRSA
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enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules.
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The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of
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debts,true or not, must be accurately and timely reported in all deferment/transfer cases. It appears
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that it cannot be determined in irrefutable fact (as required) that every one and all of the loans in
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question were or were not handled properly when they were transferred. I am enacting both my
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consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all
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facts and further to unequivalently provide me with written documentation of the deletion of this
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erroneous information for each and every one of the unproven or else otherwise not lawfully
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compliant reportings of accounts,which obviously are in question. You can be assured also that
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immediately I am also notifying the Better Business Bureau and Consumer Financial Protection
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offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of
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illegal mis-information !To date,no entity (neither the accusers nor you) has elected to properly and
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lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance
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(particularly in metro 2 compliance) to provide to me , the consumer alleged, even a single or ONE
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tangible shred of evidence from any much less any of these data furnisher(s). As is generally so
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advised by representatives of the Consumer Financial Protection Bureau (CFPB) I have indeed
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made known my concerns of unlawful chichery-based subterfuge in my credit reports related to
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these allegations hereby declared.I have never received any substantiating verification of
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irrefutable full truth, accuracy, completeness, timeliness,ownership, responsibility,and compliance
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to any and all federal obligations and even the metro 2 compliance requirements from anyone even
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if and when I forwarded written request of information to VALIDATE the account information
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that your firm reported as miraculously verified,yet without any such proof of this alleged
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affirmation of facts. Being now possibly several weeks I was informed by the Loan servicer that the
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INFORMATION REQUIRED TO VALIDATE the LOAN information HAD NOT BEEN
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RETAINED AND THAT THEY COULD NOT CONFIRM ANY INFORMATION AT THIS
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TIME! I feel it is in your best interest to suspend reporting this disputed information immediately!
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If you choose not too or send along one of your famous ridiculous and unflattering much less
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insulting of intelligence form letters I will have no choice but commence the unpleasantness of a
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Sections 1024.35 (Notice of Error) under Regulation X (CFPB regulation) that confirms my private
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right of action directly against your firm for FAILING to respond and CONTINUING to report
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disputed information after direct notice of said dispute was provided. You have 5 calendar days to
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comply and provide a written notice of the suspension of this item pending the resolution of the
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investigation action or face litigation.Here now and forever annul any and all account records of
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derogatory, adversary, or else wise deficient of proof of full of reporting compliance( be it FCBA,
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FCRA, FDCPA, Metro 2 Compliance,or else whether mentioned or not) claims or aspects of claims
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associated. UNLESS IRREFUTABLY PROVEN,PHYSICALLY, TO BE FULLY METRO 2
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COMPLIANT AND CURRENT, TRUE,CORRECT,COMPLETE,TIMELY,MINE,OF MY
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RESPONSIBILITY,OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE
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AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS
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CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW
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ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW
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BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE
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DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA
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FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS
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APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS
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TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY
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JURISDICTION. Unmistakably right here,understand that this written letter is my formal request
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for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you
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are knowledgeable of the credit reporting laws ensuring that bureaus report only 100% true,
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accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or
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none. Given your awareness, coupled with field trained knowledge, I am certain that you
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understand that a challenge to produce document demonstration in evidence to all claims of which
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you cannot or will not adequately prove physically within the federally mandated timely fashion
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you are requisite to ANNUL any and all such challenged or disputed indicated misinformation
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immediately by FULL DELETION of every single one even each any and all aspects of the
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unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the
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information reported is completely compliant, true, complete, timely, and correct. You nor any
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entity has authority to retain or report any undocumented and or unproven adverse allegations or
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physically unverifiable or not validated claims of derogatory items) of information, true or not!
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Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you
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disclose to me all of the documents that you have recorded and retained in your file at the time of
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this request concerning the accounts that you are reporting in my credit report. Please don’t
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respond to my request by saying that these accounts have been verified. Send me copies of all the
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documents in completeness that you have in your files that were used to verify each and every
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account you alleged to have verified. If you do not have any documentation in your files to verify
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the accuracy of these disputed accounts then please DELETE/ ANNUL/ OR COMPLETELY
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REMOVE them immediately as required under Section 611(a)(5)(A)(i). By publishing these
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inaccurate and unverified items on my credit report and furthermore, distributing them to 3rd
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parties you are damaging my Ability to find SUBSTANTIAL employment in my field of expertise,
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as well as my reputation and creditworthiness. Under the FCRA 15 U.S.C. § 1681i, every single one
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even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or
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unverified aspects of any alleged derogatory account(s) must be promptly annulled in its entirety or
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even the whole of the claimed account(s) are to be deleted. Therefore, if you are unable to provide
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me with a copy of the verifiable and irrefutable proof that you have on file for every one even each
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any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this
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complaint challenging your compliance to true accurate and complete timely reporting then you
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must remove any and all of these accounts of chicanery leading to these unjust and unlawful
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accusations of subterfuge from my credit report. DEROGATORY ACCUSATIONS HAS TO BE
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METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY
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WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY
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IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT
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INFORMATION AND YOU MUST COMPLY.CERTAINLY, YOU ARE AWARE THAT
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COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY
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DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED
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ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT
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UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY
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RESPONSIBILITY.Would you ever so kindly, indulge me with the mandated presentations of your
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requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness,
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allness, accordance, and adherence to every single one even each any and or all of the federally
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composed legislative documents as related to the now officially challenged allegations of account
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and or adverse notations therein of such claims. Drawing from my research and complete
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comprehension You nor any entity is permitted to keep any non-compliant information,particularly
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upon it being challenged so DELETE TODAY even right NOW or unequivocally avouch physically
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to every single one even each any or all of the excerpts,dated assignments,ledger balances,audited
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enumerations, documents of identification, each of the 426-character format fielded P6
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statements,pay status codes,alpha-/ numeric-/ and or alphanumeric source codes.Further certificate
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affirmly every single one even each any and or all of the minimal five (5) portioned personal
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identifiers,and even the unabbreviated 386 pieces of confirmation to collect.<br/><br/>
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The FOLLOWING reporting derogatory allegations of information are either UNTRUE,<br/>
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INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or<br/><br/>
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otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and
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MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as
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follows:<br/><br/>
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The following allegations each require immediate deletion,do so now and here!<br/>
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</p>
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<p>
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<span>
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__ALLEGED_ACCOUNT3__
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</span>
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</p>
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<p style="font-weight: bold;font-size: 14;text-align: justify;width: 100%;">
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ABOVE LISTED are the Misinformation being Mis-reported or are in question. You MUST
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report PROPERLY,the Claims below REQUISITE immediate eradication for adequate and lawful
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FCRA reporting particularly per Metro 2 Compliance regulations:<br/><br/>
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NOTE THAT THE REQUISITE MINIMAL REQUIREMENTS to retain or report derogatory
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consumer information, be it true or be it not is to at a very least present convincing even
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IRREFUTABLE Physical Proof of COMPLIANCE and Verification thereby making an absolute
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testimony in affirmation of certified FACTS as related to every single aspect of claim , how
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reported, when report, by whom reported, why reported, where reported, and all considerable
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portions of reporting mentioned here or not. VERIFY AND VALIDATE THE NOT yet
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UNDENIABLY PROVEN COMPLAINT ALLEGATIONS OR DELETE NOW. Per FCRA and
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Metro 2 format it is in clarity your DUTY to PHYSICALLY PROVE EVERY DATE, BALANCE,
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IDENTITY, AUDIT, SOURCE CODE(s), ALL 426 CHRC P6 STMNTS, EACH OF 386 PCS TO
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CONFIRMATION, NOTES, Creditor Classification Code(s), account type, account status, account
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activity, terms, ownership,and etc so do this immediately and resolve this matter in accordance to
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obligatory laws. PLEASE Provide Physical Proof of COMPLIANCE and Verification.AFFIRM
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AND CONFIRM-ATE THIS ALLEGATION OF CLAIM YET STILL UNPROVEN. LAWFULLY
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CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE (S), THE EXACT
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AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6
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STATEMENT (S) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING
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FRAGMENTS,THE MINIMALLY MANDATED FIVE (5) PORTIONED PERSONAL
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IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC
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SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF
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ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL
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ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF
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CONFIRMATION TO COLLECT(-TIONS), EACH CALENDAR DATE RECORDED, EVERY
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ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM
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WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR
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PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED
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AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY
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IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN
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CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR
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ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER
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KNOWN OR NOT,REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO
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RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY
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ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS
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MIS-REPORTINGS OF MIS-INFORMATION MIGHT VERY WELL APPEAR TO BE.
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DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE
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COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. AFFIRM
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AND CONFIRM-ATE THIS ALLEGATION OF CLAIM YET STILL UNPROVEN. LAWFULLY
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CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE (S), THE EXACT
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AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6
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STATEMENT (S) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING
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FRAGMENTS,THE MINIMALLY MANDATED FIVE (5) PORTIONED PERSONAL
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IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC- / AND OR
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ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR
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RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED
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ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE
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SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT(-TIONS), EACH CALENDAR
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DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED
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TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE
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DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE
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ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION
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FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN
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ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS
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WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE
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STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT,REGARDLESS
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IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN
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REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD
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AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS
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UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL
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REPORTING LAWS AS IS OBLIGATED OF YOU.<br/><br/>
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Might it be known that THIS LETTER of consumer check and challenge for lawful reporting
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compliance is my officially composed writ formal complaint that you are reporting one or more of
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the following,ILLEGALLY mind you:<br/><br/>
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i)Your reporting is unproven to be TRUE,so legally there can be no truth assumed to the
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allegations of which you report in chichanary lead subterfuge.<br/><br/>
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ii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being
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undoubted and irrefutable),so legally there can be no truth assumed to the allegations of which you
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report in chichanary lead subterfuge.<br/><br/>
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iii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be
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fully COMPLETE in the application of exacting and reliably consistent precision of any data for
|
||
reporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the
|
||
allegations of which you report in chichanary lead subterfuge.<br/><br/>
|
||
iv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully
|
||
CURRENT and TIMELY in the application of exacting and reliably consistent precision of any
|
||
data for reporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the
|
||
allegations of which you report in chichanary lead subterfuge.<br/><br/>
|
||
v)Your reporting is unproven to be of MY OWNERSHIP(and regulations are CLEAR on mandates
|
||
to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to
|
||
any potentially injurious claim in the application of exacting and reliably consistent precision of any
|
||
data for reporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the
|
||
allegations of which you report in chichanary lead subterfuge.<br/><br/>
|
||
vi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on
|
||
mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even
|
||
RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably
|
||
consistent precision of any data for reporting being undoubted and irrefutable) ,so legally
|
||
there can be no truth assumed to the allegations of which you report in chichanary lead
|
||
subterfuge.<br/><br/>
|
||
vii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on
|
||
mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to
|
||
any and all standards of practice as related to the reporting of any potentially injurious claim in the
|
||
application of exacting and reliably consistent precision of any data for reporting being undoubted
|
||
and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in
|
||
chichanary lead subterfuge.<br/><br/>
|
||
viii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD
|
||
FORMATTED REGULATORY REPORTING COMPLIANCE (and regulations are CLEAR on
|
||
mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to
|
||
any and all standards of practice as related to the reporting of any potentially injurious claim in the
|
||
application of exacting and reliably consistent precision of any data for reporting being undoubted
|
||
and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in
|
||
chichanary lead subterfuge.<br/><br/>
|
||
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once
|
||
alleged adverse remark unproven upon a requested compliance check. You must Annul in brief,
|
||
even right now and right here, by complete and permanent deletion any or even one not irrefutable
|
||
allegation(s) deficient of physical composed writ certificate(s) in testimony of the exact and full
|
||
truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence
|
||
of precise and willfulness to comply with every single one even any and or all of the requisite
|
||
mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any
|
||
information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness,
|
||
ownership, responsibility and or compliance(s) otherwise, whether mentioned or not. Ignorance of
|
||
obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100%
|
||
accurate, true, and metro-2 compliant data formatted reporting regulations of which you are
|
||
obligated. Federal laws allow me to compel you to retain and or return adequate accountability.
|
||
Failure or unwillingness to do so might be remedied and rectified in my favor per monetary
|
||
compensation for your infringements of my civil and or consumer rights and violations of the laws
|
||
required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates
|
||
including but not limited to every date and balance, each calculation and audit, the invoices and
|
||
documented current identities, every notation not to forget the five (5) portioned personal
|
||
identifiers, 426 character P-6 statements, alpha /numeric / and or alphanumeric source codes, every
|
||
applicable creditor classification code(s), the 3 applicable and precise sequenced 386 pieces of
|
||
confirmation to collect(- ions) or any obligation else-wise. Return or Retain federally required
|
||
compliance with your immediate and dull eradication of any and one of the adverse and or
|
||
derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this 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! Please provide me with all of the
|
||
information you used for your investigation, as required by FCRA 611 (a) (7).Please reply within 10
|
||
days or delete the negative items, as originally requested.<br/><br/>
|
||
If you FAIL to respond to this demand and tort notification, your firm will be added to the pending
|
||
action as complicit in this data breach of my personal information.<br/><br/>
|
||
1. Tell me in writing what information you refuse to remove and why.<br/><br/>
|
||
2. Tell me in writing what you did to determine that the information was accurate.<br/><br/>
|
||
3. Note the information as disputed BY the CONSUMER on my credit report<br/><br/>
|
||
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.<br/>
|
||
According to the provisions of the Fair Credit Reporting Act § 611(a) [15 USC 1681i(a)], these
|
||
disputed items must be reinvestigated or deleted from my credit record within 30 days. During the
|
||
investigation period, these items must be removed from my credit report as the mere reporting of
|
||
items prior to debt validation constitutes collection activity. I am also requesting the names,
|
||
addresses and telephone numbers of individuals you contacted during your investigation.<br/>
|
||
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.<br/>
|
||
FURTHER,CONFIRM the five key components of our individual identities in case this data breach
|
||
becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity
|
||
theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or
|
||
REPORTING of consumer records,particularly that of personal identifiers.. Therefore, I must
|
||
request that your bureau confirm in writing the following personal information: 1- FULL LEGAL
|
||
NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4
|
||
digits) 4- Date of Birth 5- Zip Code for my Home Address<br/>
|
||
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.<br/>
|
||
It appears undoubted that Phase III of the Implementation of the CRSA,SMART auto-responders
|
||
are not compliant and therefore is unlawful--specifically 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.)<br/>
|
||
Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT
|
||
true,correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
|
||
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the
|
||
claimed reported CREDITOR CLASSIFICATION CODES,or eradicate every single one and each
|
||
any and all of the adversary derogatory accusations injuring me immediately,TODAY even NOW
|
||
and HERE!<br/>
|
||
Please verify and validate physically each and every claim of this alleged yet unproven to be my
|
||
responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the
|
||
alleged account including every single one even each any and or all of its article aspects by federal
|
||
laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or
|
||
else present to me true documented certificated proof of all data, every notation, date, balance,
|
||
calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully
|
||
compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness
|
||
or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.<br/>
|
||
This series of misreporting seems to me clearly involves a universal and complete failure by your
|
||
firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and
|
||
reasonable procedures to assure maximum possible accuracy of consumer credit information as
|
||
described in at least 15 U.S.C. § 1681.<br/>
|
||
There is little doubt that you have no evidence that this clearly does belong to me, is exactly true,
|
||
fully complete, within timely definition per federal standards and has been erroneously placed onto
|
||
my credit report. The items of problematic accusations that I believe to be incorrect to its proper
|
||
reporting and allowance of reporting per my state and federal laws are detailed both above and
|
||
below.<br/>
|
||
BELOW are the Misinformation being Mis-reported or are in question. You MUST report
|
||
PROPERLY,the Claims below REQUISITE immediate eradication for adequate and lawful FCRA
|
||
reporting particularly per Metro 2 Compliance regulations:<br/>
|
||
The following allegations each require immediate deletion,do so now and here!<br/>
|
||
|
||
</p>
|
||
<p>
|
||
<span>
|
||
__ALLEGED_ACCOUNT4__
|
||
</span>
|
||
</p>
|
||
<p style="font-weight: bold;font-size: 14;text-align: justify;width: 100%;">
|
||
FURTHER,CONFIRM the five key components of our individual identities in case this data breach
|
||
becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity
|
||
theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or
|
||
REPORTING of consumer records,particularly that of personal identifiers.. Therefore, I must
|
||
request that your bureau confirm in writing the following personal information:<br/><br/>
|
||
1- FULL LEGAL NAME as it Appears on my Credit report<br/>
|
||
2- Legal Address of Record<br/>
|
||
3- SSN # (or redacted last 4 digits)<br/>
|
||
4- Date of Birth<br/>
|
||
5- Zip Code for my Home Address<br/><br/>
|
||
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<br/>
|
||
CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment
|
||
PREVIOUS coding for a RESPONSE,please certificate in testimonial fact to this occurring.
|
||
Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful,
|
||
ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY
|
||
single item retained and or reported to or by any consumer credit reporting agency. Metro 2
|
||
compliance requires exacting P-segment,to include the minimal five(5) portion personal identifiers
|
||
as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA,any
|
||
and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation
|
||
CERTIFIED. Further,this qualifying certification can be REVOLVED by CONSUMER
|
||
COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any
|
||
claim of information,be it an account or any aspect of such,the must be irrefutable fullness in the
|
||
truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of
|
||
reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of
|
||
adverse claims,and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA
|
||
enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to
|
||
include the 81-month time relevance of account reported/ how reported/when reported,PRESENT
|
||
and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the
|
||
regulatory compliance rules are applied EVENLY and thoroughly from data provider to
|
||
consumer credit reporting repository.Accuracy and completeness of all of any and all
|
||
information, particularly derogatory consumer information,must abide by every and one of
|
||
current MY state’s reporting regulations as well as those of federal laws ,even the CDIA
|
||
METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting
|
||
Settlement Agreement (CRSA.) Is the Personal Identifier information alleged in the
|
||
reported 426-character P-SEGMENT true,correct, and complete to standards of
|
||
CERTIFIED METRO 2 COMPLIANCE?<br/>
|
||
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!<br/>
|
||
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.<br/>
|
||
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.<br/>
|
||
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.<br/>
|
||
|
||
In GENUINE SINCERITY,<br/><br/><br/>
|
||
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span style="font-size: 14;">
|
||
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows<br/>
|
||
</span>
|
||
<span style="background-color: yellow;">
|
||
__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__<br/>
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span>Today is : </span><span style="background-color: yellow;">__TODAY__</span><br/><br/>
|
||
</p>
|
||
<p style="font-size: 14;text-align: justify;width: 100%;">
|
||
***NOTE, should you again fail to present to me ,as MANDATED by federal reporting laws and
|
||
the metro 2 format regulations to annul this still unproven potentially untrue, incorrect or else
|
||
wise not physically verifiable valid allegation with proof of irrefutable certificate of testimonial
|
||
affirmation of facts I will have no other option but to assume your ignorance of requisite and
|
||
appropriate reporting mandates is through your undoubted willful disregard of your responsibility
|
||
to dutiful and perfected ethical reporting and undeniable attestations to the 100% certificate of
|
||
compliance in every single one even each any and or all of my state’s standards of reporting
|
||
and equally that of any and all federal standards , whether mentioned or not! I compel you to
|
||
return to lawful reporting and legal standing without any injuries or prejudices to me, now or in
|
||
future! SEND TO ME ABSOLUTE DOCUMENT EVIDENCE of your intent to delete or the
|
||
CERTIFIED EXACTING AUD displaying perfection of your reporting claims I find yet unfounded!<br/><br/><br/>
|
||
</p>
|
||
<p>
|
||
__IMAGE_HEADING__
|
||
</p><br/>
|
||
|
||
__STARTM1__
|
||
Evidence of my Proof of identification<br/><br/>
|
||
<img src="__image1__" alt="Evidence of my Proof of identification">
|
||
<br/><br/><br/>
|
||
__ENDM1__
|
||
|
||
__STARTM2__
|
||
Proof of residence or mailing address<br/><br/>
|
||
<img src="__image2__" alt="Proof of residence or mailing address">
|
||
<br/><br/><br/>
|
||
__ENDM2__
|
||
|
||
__STARTM3__
|
||
Proof of social security number<br/><br/>
|
||
<img src="__image3__" alt="Proof of social security number">
|
||
<br/><br/><br/>
|
||
__ENDM3__
|
||
|
||
|
||
|
||
__STARTM4__
|
||
Copy of State Photo ID<br/><br/>
|
||
<img src="__image4__" alt="Copy of State Photo ID">
|
||
<br/><br/><br/>
|
||
__ENDM4__
|
||
|
||
__STARTM5__
|
||
My Notarized Letter/Form<br/><br/>
|
||
<img src="__image5__" alt="Your Notarized Letter/Form">
|
||
<br/><br/><br/>
|
||
__ENDM5__
|
||
|
||
</div> |