307 lines
19 KiB
HTML
307 lines
19 KiB
HTML
<div style="font-family: Arial,serif;">
|
||
|
||
<p>
|
||
<span style="font-size: 14;font-family: Times,serif;">CRA REPORT #</span><span style="background-color: yellow;">__CRA_REPORT__</span><br/>
|
||
</p>
|
||
<p style="font-family: Times,serif;font-size: 14;">
|
||
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:<br/>
|
||
<span style="background-color: yellow;">
|
||
__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span>TODAY IS : </span><span style="background-color: yellow;">__TODAY__</span><br/>
|
||
</p>
|
||
<p style="font-weight: bold;font-family:Times,serif ;text-align: justify;width: 100%;font-size: 13;">
|
||
****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. <br/><br/>
|
||
(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. <br/><br/>
|
||
(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 <br/><br/>
|
||
(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. <br/><br/>
|
||
(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. <br/><br/>
|
||
(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. <br/><br/>
|
||
(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. <br/><br/>
|
||
(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. <br/><br/>
|
||
(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<br/>
|
||
|
||
</p>
|
||
<p>
|
||
<span style="font-size: 14;">MY PERSONAL 20-digit TRACKING NUMBER IS : </span><span style="background-color: yellow;">__PERSONAL_TRACKING_NUMBER__</span>
|
||
</p>
|
||
<p style="font-size: 14;">
|
||
<span style="font-weight: bold;">
|
||
Credit Bureau & Credit Bureau ADDRESS per Credit Report EXACTLY as displayed:
|
||
</span><br/>
|
||
<span style="background-color: yellow;">
|
||
__credit_bureau_name_address__
|
||
</span><br/>
|
||
</p>
|
||
<p style="font-weight: 600;font-size: 14;text-align: justify;width: 100%;">
|
||
RE: demand to rectify current deficiencies in your current reporting, as the challenged items are
|
||
lacking lawful STANDING due to being untrue, inaccurate, incomplete, not mine, not my
|
||
responsibility, not FCRA compliant, not FDCPA compliant, not Metro 2 format compliant, and or
|
||
not CERTIFIED proven to be every one each any and or all of the aforementioned required
|
||
aspects for adequate and ethical lawful reporting!<br/>
|
||
</p>
|
||
<p>
|
||
<span style="font-size: 24;">
|
||
To whom it might concern,<br/><br/>
|
||
</span>
|
||
</p>
|
||
<p style="font-weight: 600;font-size: 14;text-align: justify;width: 100%;">
|
||
Pursuant to FCRA, Metro 2 format requisites and the FDCPA,, I now exercise my lawful right to
|
||
question the validity of the information in my file.
|
||
FAIR CREDIT REPORTING ACT ,section 609 “DISCLOSURE to consumers: ( c)(2)(E)<br/>
|
||
</p>
|
||
<p style="font-size: 14;font-family:Times,serif ;text-align: justify;width: 100%;">
|
||
609(c)(2)(E) states that "a consumer reporting agency is not required to remove accurate derogatory information
|
||
from a consumer's file, unless the information is outdated under section 605 or cannot be verified."
|
||
|
||
<a style="font-weight: bold;" href="http://www.ftc.gov/os/statutes/031224fcra.pdf">http://www.ftc.gov/os/statutes/031224fcra.pdf</a>
|
||
If accurate derogatory information in the consumer's file cannot be verified, the reporting agency is required to
|
||
remove it. This law requires every company that reports credit events -- not just the original creditor companies -- to
|
||
be able to produce verifiable proof of the negative event. It holds the credit reporting agencies are undoubtedly
|
||
accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge
|
||
the accuracy of negative events reported on them. No doubt,the intent of the government was to protect debtors or
|
||
alleged debtors such as myself and other infringed and or injured consumers,from having untrue, inaccurate ,
|
||
incomplete, misleading and or unproven compliant information used against them.But the burden of proof is not
|
||
entirely on the original creditors and certainly not at all on the consumer in any manner at all. EACH AND All
|
||
parties reporting this data or receiving the data alleged are equivalently responsible and more over liable for its
|
||
accuracy and any resultant injuries as resultant, whether due to willful disregard of consumer reporting requisites
|
||
and dutiful responsible complete true and correct reporting or even if in unknowing ignorance . The companies that
|
||
report and or accept reports of any and all alleged credit events, besides the original creditors,are any other the
|
||
national credit reporting repositories but namely the four primary national leading credit bureaus -- principally
|
||
Experian, Equifax, TransUnion, and Innovis.If the bodies involved in credit reporting, be it a reporting creditor, a
|
||
data furnisher else wise, or a accepting and data collecting credit reporting agencies are unable or unwilling to
|
||
TIMELY produce irrefutable evidence certifying in testimonial document of facts thereby presenting absolute and
|
||
unquestionable verifiable proof of these events and the validity to every single one even each any and or all of the
|
||
aspects of the allegation(s), they are universally required to remove them permanently or else be in violation of
|
||
required federal and state consumer reporting mandates and precedence of standards of lawful ethical compliant
|
||
reporting to INCLUDE PROVEN METRO 2 DATA FIELD FORMATTED REPORTING EXACTNESS . If they
|
||
violate the law, they can be fined $1,000 per item, per occasion.
|
||
FURTHER, the reporting verification process is well known to utilize the e-OSCAR system. PER the site,
|
||
<a style="font-weight: bold;" href="http://www.e-oscar.org/">http://www.e-oscar.org/</a>
|
||
<span style="font-weight: bold;color: rgb(85, 80, 80);font-size: 14;">
|
||
“e-OSCAR” simply stands for the “Online Solution for Complete and Accurate Reporting”
|
||
and moreover →
|
||
“e-OSCAR, the Online Solution for Complete and Accurate Reporting, is a browser-based,
|
||
Metro 2 compliant system that has been developed by Equifax, Experian, Innovis and
|
||
TransUnion.”
|
||
And per <a href="http://www.e-oscar.org/about-e-oscar.aspx">http://www.e-oscar.org/about-e-oscar.aspx</a>
|
||
“e-OSCAR is a web-based, Metro 2 compliant, automated system..” so regardless of which
|
||
you accept it is clear the REQUISITE to be PROVEN METRO 2 COMPLIANT...And from my
|
||
research, each and all submitted data provider AUD requisites them to CERTIFY all aspects
|
||
of accuracy to include COMPLIANCE to proper data entries, transfer of data, and
|
||
completeness of such true and correct information in order for any of the alleged derogatory
|
||
to hold lawful STANDING.Any deficiency of COMPLIANCE,CERTIFICATE of compliance and
|
||
or EVIDENCE PROVING THE FULL COMPLIANCE even to the Metro 2 format MUST BE
|
||
ENTIRELY ERADICATED upon a consumer notification of said misinformation and or
|
||
misreporting. I COMPEL YOU HERE AND NOW to demonstrate fully in testimony of certificate
|
||
of all facts or else delete any and all adversary allegations versus me. I demand you delete all
|
||
requested and or UPDATE in correction to the status I indicate here within this notification of
|
||
consumer complaint, as is my RIGHT to compel you and your dutiful OBLIGATION to submit
|
||
to and obey or else be monetarily liable for your willful or ignorant disregard of responsible
|
||
consumer reporting practices.
|
||
</p>
|
||
<p>
|
||
<span style="font-size: 16;">
|
||
QUESTIONABLE and or NOT COMPLIANT, UNTRUE, INCORRECT, INCOMPLETE, or else<br/>
|
||
wise infringing item(s) in question is(are) as follows:<br/>
|
||
|
||
</span>
|
||
<span style="background-color: yellow;">
|
||
__ALLEGED_ACCOUNT_DESC__
|
||
|
||
</span>
|
||
</p>
|
||
<p style="font-size: 14;text-align: justify;width: 100%;">
|
||
<span>
|
||
The above noted item in question is either one or more being untrue, inaccurate, incomplete,
|
||
not documented undoubtedly mine, not certified irrefutably as my responsibility, not timely or
|
||
current to its reported status,not fully FCRA compliant, not fully metro 2 compliant, and or not
|
||
testimonial in certificates of facts PROVEN to be any and all of the aforementioned as is
|
||
MANDATED by my state’s reporting laws and the federal reporting regulations otherwise. Being
|
||
deficient equates to being unlawfully and unethically reported and unfairly injurious to an
|
||
infringed consumer such as myself. As such, I am making a notice of official declaration in
|
||
consumer complaint compelling you my rightful and lawful request in demand to have all of the
|
||
noted information and or relevant data or information pertaining to it(them) be proven FULLY
|
||
true, correct, complete, current in its reporting, timely in its reporting, of a documented
|
||
ownership, of a testimonial responsibility, and or else wise irrefutably compliant to every aspect
|
||
of requisite reporting to include complete compliance to any and all state and or federal
|
||
obligations ,particularly the FCRA and the CRSA enacted and CDIA implemented Metro 2 data
|
||
field format entry regulatory standards of reporting practices.
|
||
Undoubtedly the FCRA along with my state reporting laws give consumers the RIGHT to make
|
||
a consumer complaint , challenge and or dispute versus any unproven, untrue, incorrect,
|
||
incomplete, or else wise deficient reporting item(s) of information, be it true or not. Per same
|
||
mandates, unless lawfully deemed frivolous, any lodged consumer declaration the consumer
|
||
credit reporting repository must investigate or re-investigate and must adequately become fully
|
||
and undoubted in its compliance certificate within a federally defined timely manner (typically
|
||
</span><span style="font-family: Calibri,serif;font-size: 14;"> within 30 days upon receipt of a consumer notification of complaint). Any and all information
|
||
must be verified valid by certificate of documented fact of all compliance , updated to such, or
|
||
eradicated by full deletion in its entirety any and all aspects of uncertified or unproven to be
|
||
certified compliant information.
|
||
BECAUSE REQUISITE STATE AND FEDERAL REPORTING LAWS MANDATE ONLY IRREFUTABLY PROVEN
|
||
AND DOCUMENTED CERTIFIED COMPLIANT CLAIMS THAT ARE PROVEN TRUE, PROVEN CORRECT,
|
||
PROVEN COMPLETE OR ELSE WISE REQUISITE OF LAWFUL REPORTING CAN BE RETAINED OR
|
||
REPORTED.IF DEFICIENT IN ONE OR MORE, REGULATORY STATE AND FEDERAL LAWS AND REPORTING
|
||
STANDARDS OF PRACTICE AND LEGAL PRECEDENCE MANDATES THE COMPLIANT REMOVAL OF ANY
|
||
AND ALL UNPROVEN, UNTRUE, INCORRECT, INCOMPLETE, OR UNCERTIFIED COMPLIANT ALLEGATIONS
|
||
OF ADVERSARY AD OR DEROGATORY INJURIOUS CONSUMER DATA BE ERADICATED UPON A
|
||
NOTIFICATION ,PARTICULARLY FROM A CONCERNED INJURED CONSUMER.FCRA AND METRO 2
|
||
OBLIGATORY REGULATIONS DEMAND YOU TO REPORT PRECISELY AND FULLY CURRENT, TRUE,
|
||
CORRECT, COMPLETE, TIMELY, AND DOCUMENTED CERTIFIED COMPLIANT INFORMATION. FACTS BEING
|
||
AS ABOVE STATED, ELIMINATE THE ABOVE NOTED ADVERSE NOTATION IN FAULTY ALLEGATIONS OF
|
||
DEROGATORY REPORTING O ELSE DEMONSTRATE PHYSICALLY EVERY SINGLE ASPECT OF REQUISITE
|
||
APPROPRIATE AND COMPLIANT REPORTING, ESPECIALLY ALL ASPECTS OF THE METRO 2 DATA ENTRY
|
||
FIELD FORMATTED REPORTING AND THE CERTIFICATES OF QUALIFICATIONS FOR THE USERS OF THE
|
||
METRO 2 SOFTWARE TO TRANSFER SUCH DATA TO YOU THEREBY ALLEGING A VERIFICATION,ALBEIT
|
||
ILLEGALLY SO IF NOT PERFECTLY COMPLIANT AND FURTHER PROVEN SUCH TO THE CONCERNED OR
|
||
INJURED CONSUMER.ERADICATE OR PROVE ALL ASPECTS INCLUDING EACH NOTED ISSUE OF NOTE
|
||
BELOW LISTED:<br/><br/>
|
||
a) ACCOUNT OWNERSHIP INCORRECT.<br/><br/>
|
||
b) CURRENT STATUS IS ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING<br/><br/>
|
||
c) HIGH CREDIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
d) CREDIT LIMIT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
e) TERMS DURATION ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
f) DATE OPENED ONE OR MORE EITHER INCORRECT,MISSING,OR MISLEADING<br/><br/>
|
||
g) DATE REPORTED ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
h) BALANCE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
i) AMOUNT PAST DUE ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
j) DATE OF LAST PAYMENT AKA THE DOLP ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
k) ACTUAL PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
l) SCHEDULED PAYMENT AMOUNT ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
m) DATE OF LAST ACTIVITY AKA THE DOLA IS ONE OR MORE EITHER INCORRECT, MISSING,OR
|
||
MISLEADING<br/><br/>
|
||
n) DATE MAJOR DELINQUENCY FIRST REPORTED AKA THE DMDFR IS ONE OR MORE EITHER INCORRECT,
|
||
MISSING,OR MISLEADING<br/><br/>
|
||
o) MONTHS REVIEWED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
p) ACTIVITY DESCRIPTION IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
q) COMMENTS IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
r) CHARGE OFF AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
s) DEFERRED PAYMENT STARTING DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
t) BALLOON PAYMENT AMOUNT IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
u) BALLOON PAYMENT DATE IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
v) DATE OF FIRST DELINQUENCY AKA THE DOFD IS ONE OR MORE EITHER INCORRECT, MISSING,OR
|
||
MISLEADING<br/><br/>
|
||
w) 81-MONTH PAYMENT HISTORY IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
x) DATE CLOSED IS ONE OR MORE EITHER INCORRECT, MISSING,OR MISLEADING<br/><br/>
|
||
y) CREDITOR CLASSIFICATION AKA CREDITOR CLASSIFICATION CODE AKA THE CCC IS ONE OR MORE
|
||
EITHER INCORRECT, MISSING,OR MISLEADING.<br/><br/>
|
||
z) ONE OR MORE EITHER IS INCORRECT, MISSING,or unlawfully misleading to include the minimal five(5)
|
||
portioned personal identifiers, the requisite and sequential 426-character P-6 segment and each of its
|
||
trailing fragments, the Alpha-/ Numeric-/ and or AlphaNumeric Source Code(s), The PSC aka Pay status
|
||
code(s), the 386 pieces to confirmation of collection(s), and or any and all aspects of mandated metro 2
|
||
data field format regulatory reporting standards of practice, any of which a deficiency requisites an
|
||
immediate deletion of any and all notations of injurious and or derogatory allegations on the infringed
|
||
consumer’s credit profile history.<br/>
|
||
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span style="font-weight: bold;font-size: 16;">
|
||
In genuine sincerity,<br/> </span>
|
||
</p>
|
||
<p style="font-family: Times,serif;font-size: 14;">
|
||
My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows:<br/>
|
||
<span style="background-color: yellow;">
|
||
__FIRST_NAME__ __LAST_NAME__, __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__
|
||
</span>
|
||
</p>
|
||
<p style="font-size: 14;">
|
||
<span style="margin-left: 80px;">
|
||
IN WITNESS WHEREOF, the said party has signed and sealed these presents the day<br/></span>
|
||
<span>and year first above written.<br/><br/></span>
|
||
<span>Signed, sealed and delivered in the presence of: <span><span style="color: red;"> __FIRST_NAME__ __LAST_NAME__
|
||
<br/><br/></span>
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span>Signature _________________________________</span><br/><br/><br/>
|
||
</span>
|
||
</p>
|
||
<p>
|
||
<span>STATE OF<br/>
|
||
COUNTY OF<br/></span>
|
||
</p>
|
||
<p style="font-size: 14;text-align: justify;width: 100%;">
|
||
|
||
I HEREBY CERTIFY that on this day before me, an officer duly qualified to take
|
||
<span>acknowledgments, personally appeared </span><span style="color: red;"> __FIRST_NAME__ __LAST_NAME__</span>,<span> who is
|
||
personally known known to me or who has produced a VALID SSN CARD and a VALID
|
||
CURRENT STATE PHOTOGRAPHIC ID CARD as identification and who executed the foregoing
|
||
instrument and he/she acknowledged before me that he/she executed the same.
|
||
|
||
</p>
|
||
<p style="font-size: 14;">
|
||
WITNESS my hand and official seal in the County and State aforesaid this<span style="background-color: yellow;"> __DAY__ day of
|
||
__MONTH__, __YEAR__.</span>
|
||
|
||
</span>
|
||
</p>
|
||
<p style="margin-left: 150px;">
|
||
<span >
|
||
___________________________________
|
||
</span>
|
||
</p>
|
||
<p style="font-size: 14;">
|
||
<span>
|
||
Notary Public<br/>
|
||
Printed Name:<br/>
|
||
</span><span style="margin-left: 150px;"> My commission expires:</span><br/>
|
||
SEE COPIES OF SSN AND PHOTO ID BELOW:<br/>
|
||
</span>
|
||
</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> |