223 lines
15 KiB
HTML
223 lines
15 KiB
HTML
<div style="text-align: justify;text-justify: inter-word;">
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__REPORT_NAME_PREFIX__ Report Number: <span style="background-color: #FFFF00">__EXPERIAN_REPORT__</span> <br/><br/>
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My One and Only current First and Last name AND Street NUMBER and Street NAME along with my
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current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE
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IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE
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REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:<br/>
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<span style="background-color: #FFFF00">__NAME_ADDRESS__</span><br/><br/>
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TODAY IS __TODAY__ <br/><br/>
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I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES
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or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate
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AUTHORITY to retain much less report without infringing my consumer rights.
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<br/><br/>
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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.
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<br/><br/>
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I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained
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or 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.
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<br/><br/>
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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.
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<br/><br/>
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I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers 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.
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<br/><br/>
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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.
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<br/><br/>
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I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/
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roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of
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your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
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<br/><br/>
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I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers 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.
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<br/><br/>
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MY PERSONAL TRACKING NUMBER IS: <span style="background-color: #FFFF00">__SOCIAL_SECURITY_NUMBER__</span>
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<br/><br/>
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__ADDRESS__
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<br/><br/>
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re: INQUIRIES DEFICIENT OF REQUIRED PROOF OF ADEQUATE PERMISSIBLE PURPOSE
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THEREFORE UNLAWFULLY REPORTED INQUIRIES ARE ACCUSED VERSUS ME IN CLEAR
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INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON
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MY TAKING THIS MAKER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL
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RESOLUTIONS AND AWARDS OR AT LEAST $1,000+ PER UNPROVEN, UNTRUE,
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INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED
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THAT WAS CHALLENGED IN WRIT COMPOSITION (WHICH THIS IS MY OFFICIAL WRITING
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COMPLAINT)
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<br/><br/>
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<h2>To whom it might concern,</h2>
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<br/>
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Notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either
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or all of the following: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY,
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COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your
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immediate actions to rectify and remedy and any all infraction- ious behavior(s) by retaining or returning to
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DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted
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reporting! I have become aware of some mystifying still unknown credit inquiries on my credit report.I here
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now compel you to eliminate the(se) unlawful unproven claims versus me. This consumer complaint
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challenging the(se) allegation(s) is done so under various consumer protection laws and standards of
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practice, such as FCRA 611(a)(7) which specifically mandates procedural description(s) utilized by you in
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the providing and obtaining this inquiry record, including if this was obtained by a third party Information
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Broker and thereafter sold to your firm. I have contacted EACH of the creditors behind these erroneous
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Inquiries’ and was informed that because the Inquiry was made via the internet, they have NO record of
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an application being made BY ME! I have been advised by attorneys that this inquiry record that you are
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reporting is a violation of the FCRA and the FDCPA and cannot be reported. Please delete them
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immediately! The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and
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exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five
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portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs.Per
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CRSA,auto-populating ANY data field input entry and or application of Slash Entries (such as 11111 or
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00000,etc) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as
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NULL and VOID.Moreover,the regulatory obligation dictates that any and all data furnishers MUST
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include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the
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account of allegation(s) specifics!Must be performed in a REAL-TIME browser LOCKDOWN to be
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lawful.Per CRSA implementation,if a data furnisher fails to respond within20 calendar days,e-Oscar is to
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terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a
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certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the
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CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by
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CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS
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coding for a RESPONSE,please certificate in testimonial fact to this occurring. Submit/re-submit shuffling
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to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit
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reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by
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any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment,to include the
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minimal five(5) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account
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trailing segment.Per the CRSA,any and all CRA insourced DISPUTE Specialist MUST BE Metro 2
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Compliance Data Entry Evaluation CERTIFIED. Further,this qualifying certification can be REVOLVED by
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CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report
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any claim of information,be it an account or any aspect of such,the must be irrefutable fullness in the truth
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of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the
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reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims,and or adequate
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and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted
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reporting regulatory standards and obligations to include the 81-month time relevance of account
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reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further
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lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from
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data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all
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information,particularly derogatory consumer information,must abide by every and one of current MY
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state’s reporting regulations as well as those of federal laws ,even the CDIA METRO 2 COMPLIANCE
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standards due to the implementation of the Credit Reporting Settlement Agreement (CRSA.).Confirmate
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the affirmation of the above listed allegation of late payment to be true, correct,timely,metro2
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compliant,and with physical proof of each and all. Please provide all information concerned with this
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allegation unproven,including but not limited to every single notation, any and all dates, each audit, the
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accounting calculations, documented and lawfully acquired identifications, claimed balance of debts , the alpha-/numeric-/and or alphanumeric source codes, all 386 pieces requisite for lawful confirmation to
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collections,each and all entries in full for the 426-charactered P-6 statement (Segment),the creditor
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classification codes, and of course the minimal five (5) part personal identifiers.Unmistakably right
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here,understand that this written letter is my formal request for you to bring my credit report into
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METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws
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ensuring that bureaus report only 100% true, accurate, complete, timely, compliant, and proven as being
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such credit information, be it any, all, or none. Given your awareness, coupled with field trained
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knowledge, I am certain that you understand that a challenge to produce document demonstration in
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evidence to all claims of which you cannot or will not adequately prove physically within the federally
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mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated
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misinformation 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 information
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reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to
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retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not
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validated claims of derogatory items) of information, true or not! Under the Fair Credit Reporting Act, 15
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U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have
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recorded and retained in your file at the time of this request concerning the accounts that you are
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reporting in my credit report. Please don’t respond to my request by saying that these accounts have
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been verified. Send me copies of all the documents in completeness that you have in your files that were
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used to verify each and every account you alleged to have verified. If you do not have any documentation
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in your files to verify the accuracy of these disputed accounts then please then please delete now as
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REQUISITE by state and federal laws.
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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
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requirements to be PHYSICALLY DOCUMENTED to be ADEQUATELY COMPLIANT. Any allegations of
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inquiries MUST be attestable to have be acquired via LAWFULLY obtained and executed PERMISSIBLE
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PURPOSE by the one and only and EXACTLY IDENTIFIED CONSUMER ACCUSED and or an agent
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AUTHORIZED to procure such a right. ANY CLAIMS that are NOT evidenced in testimonial PROOF can
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NOT be considered COMPLIANT and NO ENTITY can legally be DEFICIENT of compliance in their
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RIGHTS to report or even to RETAIN the allegations, the manner of which they reported it, the manner
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they RECEIVED the data, and exactly WHAT the data IS that's REPORTED. IGNORANCE of federal and
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or state mandates is NOT EXONERATION of reporting obligations and to do so beyond a challenge is a
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INJURIOUS INFRACTION of reporting regulations and likely INFRINGING action(s) upon consumer and
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or civil rights otherwise. Further, CONTINUED MIS-REPORTINGS of federally obsolete and or NOT
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COMPLIANT data, be it true or not, be it accurate or not, is such that SHOULD there be resultant fraud
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the VIOLATORS might in fact be considered to be CRIMINALLY NEGLIGENT for their possible
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ENABLEMENT of IDENTITY THEFT. RETURN TO or RETAIN federally REQUIRED REPORTING
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COMPLIANCE TODAY, even RIGHT NOW by IMMEDIATELY acting appropriately to ANNUL any and all
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aspects of the adverse and or derogatory information that is UNPROVEN per the FCRA and METRO 2
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standards of REPORTING LAW.
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<br/><br/>
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Here is the erroneous record deficient of compliance or proof of compliance of which you are reporting in
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subterfuge, illegally!
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<br/><br/>
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Creditor(s) ALLEGING inquiry(ies) unethically and illegally without the mandated verifiable physical proof
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of adequately and compliantly achieved lawful permissible purpose, delete the follow misinformation
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asap:
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<br/>
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<span style="background-color: #FFFF00">__RECORDS__</span>
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<br/><br/>
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Notation: The above notation(s) of unlawful injurious accusation are deficient of any ethical or lawful
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evidence physically of legal and adequately acquired permissible purpose so DELETE the above listed
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chicanery and any associated allegations of derogatory accounts link to the above listed subterfuge, if
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any. Thank you in advance for your willfulness to return to lawful reporting standards of metro 2
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compliance, as required per your own definition of E-oscar (the process to which YOU use to relay and
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verify information electronically).PER YOUR OWN DESCRIPTION, e- oscar is described as being “ a
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web-based, Metro 2 compliant, automated system that enables Data Furnishers (DFs), and Credit
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Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include
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Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage
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Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to
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CRAs.This being so, the unproven claim above noted is an infringement of my consumer rights,an
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infraction of regulatory statutes,and a violation of your duties to undoubtable responsible and reliable
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consumer reporting.Annul by full deletion Today,here and NOW!
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<br/><br/>
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By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance
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implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these
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above mentioned derogatory items be investigated and permanently removed from my report. It is my
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understanding that you will recheck these items with the creditor who has posted them. Please remove
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any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must
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complete this reinvestigation within 30 days of receipt of this letter.
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<br/><br/>
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Please send an updated copy of my credit report to the above address. According to the act, there shall be
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no charge for this updated report. I also request that you please send notices of corrections to anyone who
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received my credit report in the past six months.
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<br/><br/>
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Thank you for your time and help in this matter.
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<br/><br/>
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Sincerely,
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<br/><br/>
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My One and Only current First and Last name AND Street NUMBER and Street NAME along with my
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current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE
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IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE
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REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:
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<br/>
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<span style="background-color: #FFFF00">__NAME_ADDRESS__</span>
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<br/><br/>
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__START1__
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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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__END1__
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__START2__
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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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__END2__
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__START3__
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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/>
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__END3__
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</div> |