541 lines
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541 lines
40 KiB
HTML
<div style="text-align: justify;text-justify: inter-word;">
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CRA REPORT# <span style="background-color: #FFFF00">__EXPERIAN_REPORT__</span>
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<br/><br/>
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My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows<br/>
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<span style="background-color: #FFFF00">__NAME_ADDRESS__</span><br/><br/>
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TODAY IS __TODAY__ <br/><br/>
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<b>****To begin, I would like to ensure you have and ONLY RETAIN
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current, TRUE, CORRECT, COMPLETE,and MANDATED REPORTED information per FCRA
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regulations,any and all others I DEMAND,as is my lawful RIGHT(s) to do so,that you annul and and all
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deficient of any condition,mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information
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now or ever,please review and ENSURE your adequate and full accordance to the laws upon which govern
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your practice of reporting consumer credit profiles.</b>
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<br/><br/>
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<span style="font-weight: bold;">(a)I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or
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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.</span>
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<br/><br/>
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<span style="font-weight: bold;">(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 legitimate
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AUTHORITY to retain much less report without infringing my consumer rights</span>
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<br/><br/>
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<span style="font-weight: bold;">(c )I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or
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reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less
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report without infringing my consumer rights.</span>
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<br/><br/>
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<span style="font-weight: bold;">(d)I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be
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retained 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.</span>
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<br/><br/>
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<span style="font-weight: bold;">(e)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 to retain
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much less report without infringing my consumer rights.</span>
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<br/><br/>
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<span style="font-weight: bold;">(f)I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if
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ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without
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infringing my consumer rights.</span>
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<br/><br/>
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<span style="font-weight: bold;">(g)I do NOT have any requisite spouses/ roommates/ co-applicants
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and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE
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NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my
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consumer rights.</span>
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<br/><br/>
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<span style="font-weight: bold;">(h)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 to retain
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much less report without infringing my consumer right</span>
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<br/><br/>
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MY PERSONAL 20-digit TRACKING NUMBER IS :
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<br/><br/>
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<span style="background-color: #FFFF00">__SOCIAL_SECURITY_NUMBER__</span>
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<br/><br/>
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Credit Bureau & Credit Bureau ADDRESS per Credit Report EXACTLY as displayed:
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<br/>
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<span style="background-color: #FFFF00">__RECORDS1__</span>
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<br/><br/>
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<b>RE:</b>
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<br/><br/>
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<b>ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation
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that is all or in part: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS,
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TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory
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and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any
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all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and
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COMPLIANT METRO 2 data field formatted reporting!To be clear,you are mandated by laws to eliminate every
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notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to
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be true, correct, complete, 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 and all derogatory or
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potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted
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CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any
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item upon a consumer 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 and or all of the
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allegations accused of me deficient of physical evidence to every and all
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aspects of said claims,be them true or not.</b>
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<br/><br/>
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<span style="font-weight: bold;font-size: 40px;text-decoration: underline;">To whom it might concern,</span>
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<br/><br/>
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<b>I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete,
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untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item
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that I see you currently have on my credit report, possibly causing violating infringements and injury to my
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credibility. While 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, complete,timely, mine,
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my responsibility,fcra compliant,metro 2 compliant,or else wise compliant to every single one even each any and all
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of the regulations ,laws,and standards of reporting of which you are undoubtedly mandated in your obligation to
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obey: The following allegations each require immediate deletion,do so now and here!</b>
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<br/><br/>
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<b>Below are the accounts in question: Creditor(s) alleging the negative item(s) and alleged account number(s)
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and or description(s) of the NOT PROVEN CURRENT,TRUE, ACCURATE, COMPLETE, TIMELY,
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MINE,MY RESPONSIBILITY, and or elsewise lawfully adequate for ethical reporting:</b>
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<br/><br/>
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<span style="background-color: #FFFF00">__RECORDS2__</span>
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<br/><br/>
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<b>I have obtained a recent copy of my credit report and discovered it contains inaccurate information. I have found
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several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that
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you are reporting that appear to be not in lawful compliance to reporting regulations or else wise improperly
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reported and transferred by other lender/servicers on the report. I understand my rights and I am serving you written
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notice of my consumer demand checking for your federally required proof of compliance even to the metro 2 data
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field formatted regulatory reporting obligations of you as a specific mandate due to the CRSA enactment and
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implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act
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dictates that every single one even each any and or all accusations of debts,true or not, must be accurately and timely
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reported in all deferment/transfer cases. It appears that it cannot be determined in irrefutable fact (as required) that
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every one and all of the loans in question were or were not handled properly when they were transferred. I am
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enacting both my 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 erroneous
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information for each and every one of the unproven or else otherwise not lawfully compliant reportings of
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accounts,which obviously are in question. You can be assured also that immediately I am also notifying the Better
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Business Bureau and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious
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error in your clear mis-reporting of illegal mis-information !To date,no entity (neither the accusers nor you) has
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elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting
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compliance (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 advised by
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representatives of the Consumer Financial Protection Bureau (CFPB) I have indeed made known my concerns of
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unlawful chichery-based subterfuge in my credit reports related to these allegations hereby declared.I have never
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received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness,ownership,
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responsibility,and compliance to any and all federal obligations and even the metro 2 compliance requirements from
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anyone even if and when I forwarded written request of information to VALIDATE the account information that
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your firm reported as miraculously verified,yet without any such proof of this alleged affirmation of facts. Being
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now possibly several weeks I was informed by the Loan servicer that the INFORMATION REQUIRED TO
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VALIDATE the LOAN information HAD NOT BEEN RETAINED AND THAT THEY COULD NOT CONFIRM
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ANY INFORMATION AT THIS TIME! I feel it is in your best interest to suspend reporting this disputed
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information immediately! If you choose not too or send along one of your famous ridiculous and unflattering much
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less insulting of intelligence form letters I will have no choice but commence the unpleasantness of a Sections
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1024.35 (Notice of Error) under Regulation X (CFPB regulation) that confirms my private right of action directly
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against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of
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said dispute was provided. You have 5 calendar days to comply and provide a written notice of the suspension of
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this item pending the resolution of the investigation action or face litigation.Here now and forever annul any and all
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account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance( be it
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FCBA, 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 COMPLIANT AND
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CURRENT, TRUE,CORRECT,COMPLETE,TIMELY,MINE,OF MY RESPONSIBILITY,OR ELSEWISE
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MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO
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ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY
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REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU
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TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY
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TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA
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FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY
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WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK
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MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. Unmistakably right
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here,understand that this written letter is my formal request for you to bring my credit report into METRO-2
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COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that
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bureaus report only 100% true, accurate, complete, timely, compliant, and proven as being such credit information,
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be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand
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that a challenge to produce document demonstration in evidence to all claims of which you cannot or will not
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adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all
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such challenged or disputed indicated misinformation immediately by FULL DELETION of every single one even
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each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to
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assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has
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authority to 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 U.S.C. §
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1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in
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your file at the time of 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 documents in
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completeness that you have in your files that were used to verify each and every account you alleged to have
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verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then
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please DELETE/ ANNUL/ OR COMPLETELY REMOVE them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and furthermore,
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distributing them to 3rd parties you are damaging my Ability to find SUBSTANTIAL employment in my field of
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expertise, as well as my reputation and creditworthiness. Under the FCRA 15 U.S.C. § 1681i, every single one even
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each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any
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alleged derogatory account(s) must be promptly annulled in its entirety or even the whole of the claimed account(s)
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are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that
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you have on file for every one even each any and or all of the adverse accounts listed below NO LATER than 30
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days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then
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you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of
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subterfuge from my credit report. DEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO
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RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE
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FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT
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PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.CERTAINLY, YOU ARE AWARE
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THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY
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DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST
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DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT,
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COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY.Would you ever so kindly, indulge me with the
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mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness,
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accurateness, 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 and or adverse
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notations therein of such claims. Drawing from my research and complete comprehension You nor any entity is
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permitted to keep any non-compliant information,particularly upon it being challenged so DELETE TODAY even
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right NOW or unequivocally avouch physically to every single one even each any or all of the excerpts,dated
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assignments,ledger balances,audited enumerations, documents of identification, each of the 426-character format
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fielded P6 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 identifiers,and even the
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unabbreviated 386 pieces of confirmation to collect.</b>
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<br/><br/>
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<b>The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT,
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INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or</b>
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<br/><br/>
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<b>otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be
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eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows:</b>
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<br/><br/>
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<b>BELOW are the Misinformation being Mis-reported or are in question. You MUST report PROPERLY,the
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Claims below REQUISITE immediate eradication for adequate and lawful FCRA reporting particularly per
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Metro 2 Compliance regulations:</b>
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<br/>
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<span style="background-color: #FFFF00">__RECORDS3__</span>
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<br/><br/>
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<b>Notation:Please Provide Physical Proof of COMPLIANCE and Verification... VERIFY AND VALIDATE
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THE NOT COMPLAINT ALLEGATIONS OR DELETE NOW.PHYSICALLY PROVE EVERY DATE,
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BALANCE, IDENTITY, AUDIT, SOURCE CODE, ALL 426 CHRC P6 STMNTS, EACH OF 386 PCS TO
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CONFIRMATION, NOTES, ETC</b>
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<br/><br/>
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<b>Provide Physical Proof of COMPLIANCE and Verification.AFFIRM AND CONFIRM-ATE THIS ALLEGATION OF CLAIM
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YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE (S),
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THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT
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(S) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS,THE MINIMALLY
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MANDATED FIVE (5) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND
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OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY
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AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY
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RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT(-TIONS), EACH CALENDAR DATE
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RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM
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WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED
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IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM
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THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED
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OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE
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REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT,REGARDLESS IF
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MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE
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PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS
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INJURIOUS MIS-REPORTINGS OF MIS-INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO
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ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING
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LAWS AS IS OBLIGATED OF YOU. AFFIRM AND CONFIRM-ATE THIS ALLEGATION OF CLAIM YET STILL
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UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE (S), THE EXACT
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AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT (S) AS WELL
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AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS,THE MINIMALLY MANDATED FIVE (5)
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PORTIONED PERSONAL 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 ANY AND ALL PRECISELY
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ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE
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SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT(-TIONS), EACH CALENDAR DATE RECORDED,
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EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY
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WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE
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ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND
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ONLY AND EXACTLY 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 ALL OF THE REQUISITE
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STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT,REGARDLESS IF MENTIONED OR NOT.
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YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS
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POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS
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OF MIS-INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST
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ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS
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OBLIGATED OF YOU.</b>
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<br/><br/>
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<b>Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my
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officially composed writ formal complaint that you are reporting one or more of the following,ILLEGALLY mind
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you:</b>
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<br/><br/>
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<b>i)Your reporting is unproven to be TRUE,so legally there can be no truth assumed to the allegations of which you
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report in chichanary lead subterfuge.</b>
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<br/><br/>
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<b>ii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and
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irrefutable),so legally there can be no truth assumed to the allegations of which you report in chichanary lead
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subterfuge.</b>
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<br/><br/>
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<b>iii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE
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in the application of exacting and reliably consistent precision of any data for reporting being undoubted and
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irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
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subterfuge.</b>
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<br/><br/>
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<b>iv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and
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TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted
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and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
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subterfuge.</b>
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<br/><br/>
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<b>v)Your reporting is unproven to be of MY OWNERSHIP(and regulations are CLEAR on mandates to be fully
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CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim
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in the application of exacting and reliably consistent precision of any data for reporting being undoubted and
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irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
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subterfuge.</b>
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<br/><br/>
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<b>vi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully
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CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim
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in the application of exacting and reliably consistent precision of any data for reporting being undoubted and
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irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in chichanary lead
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subterfuge.</b>
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<br/><br/>
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<b>vii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully
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CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as
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related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent
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precision of any data for reporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the
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allegations of which you report in chichanary lead subterfuge.</b>
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<br/><br/>
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<b>vi)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED
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REGULATORY REPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT
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in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the
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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.</b>
|
||
<br/><br/>
|
||
<b>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. 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.</b>
|
||
<br/><br/>
|
||
<b>1. Tell me in writing what information you refuse to remove and why.</b>
|
||
<br/><br/>
|
||
<b>2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as
|
||
disputed BY the CONSUMER on my credit report</b>
|
||
<br/><br/>
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
<b>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
|
||
</b>
|
||
<br/><br/>
|
||
<b>The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete
|
||
426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL
|
||
IDENTIFIERS to which databasing of alleged tradeline information occurs.Per CRSA,auto-populating ANY data
|
||
field input entry and or application of Slash Entries (such as 11111 or 00000,etc) into the Metro 2 system is
|
||
automatic call for deletion due to any and all repeating entry as NULL and VOID.Moreover,the regulatory
|
||
obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that
|
||
absolutely accurately and completely includes ALL of the account of allegation(s) specifics!Must be performed in a
|
||
REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation,if a data furnisher fails to respond
|
||
within20 calendar days,e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all
|
||
consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the
|
||
Implementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or
|
||
accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment
|
||
PREVIOUS coding for a RESPONSE,please certificate in testimonial fact to this occurring. Submit/re-submit
|
||
shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit
|
||
reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any
|
||
consumer credit reporting agency. Metro 2 compliance requires exacting P-segment,to include the minimal five(5)
|
||
portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the
|
||
CRSA,any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation
|
||
CERTIFIED. Further,this qualifying certification can be REVOLVED by</b>
|
||
<br/><br/>
|
||
|
||
<b>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.)</b>
|
||
<br/><br/>
|
||
|
||
<b>Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true,correct, and complete
|
||
to standards of CERTIFIED METRO 2 COMPLIANCE?</b>
|
||
<br/><br/>
|
||
|
||
<b>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!</b>
|
||
<br/><br/>
|
||
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
|
||
<b>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. 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.</b>
|
||
<br/><br/>
|
||
|
||
<b>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:</b>
|
||
<br/>
|
||
<span style="background-color: #FFFF00">__RECORDS4__</span>
|
||
<br/><br/>
|
||
<b>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:</b>
|
||
<br/><br/>
|
||
|
||
<b>1- FULL LEGAL NAME as it Appears on my Credit report</b>
|
||
<br/><br/>
|
||
<b>2- Legal Address of Record</b>
|
||
<br/><br/>
|
||
<b>3- SSN # (or redacted last 4 digits)</b>
|
||
<br/><br/>
|
||
<b>4- Date of Birth</b>
|
||
<br/><br/>
|
||
<b>5- Zip Code for my Home Address</b>
|
||
<br/><br/>
|
||
|
||
<b>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</b>
|
||
<br/><br/>
|
||
|
||
<b>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?</b>
|
||
<br/><br/>
|
||
|
||
<b>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!</b>
|
||
<br/><br/>
|
||
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
|
||
<b>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.</b>
|
||
<br/><br/>
|
||
|
||
<b>Thank you for your time and help in this matter.</b>
|
||
<br/><br/>
|
||
|
||
<b>Sincerely,</b>
|
||
<br/><br/>
|
||
|
||
<b>My First & LAST name,My Street NUMBER & Street NAME ,and My City and State are as Follows</b>
|
||
<br/>
|
||
<span style="background-color: #FFFF00">__NAME_ADDRESS__</span>
|
||
<br/><br/>
|
||
|
||
|
||
<br/><br/>
|
||
__START1__
|
||
Proof of identification<br/><br/>
|
||
<img src="__image1__" alt="Proof of identification">
|
||
<br/><br/><br/>
|
||
__END1__
|
||
|
||
__START2__
|
||
Proof of residence or mailing address<br/><br/>
|
||
<img src="__image2__" alt="Proof of residence or mailing address">
|
||
<br/><br/><br/>
|
||
__END2__
|
||
|
||
__START3__
|
||
Proof of social security number<br/><br/>
|
||
<img src="__image3__" alt="Proof of social security number">
|
||
<br/><br/><br/>
|
||
__END3__
|
||
|
||
|
||
|
||
__START4__
|
||
My Notarized Letter/Form<br/><br/>
|
||
<img src="__image4__" alt="Your Notarized Letter/Form">
|
||
<br/><br/><br/>
|
||
__END4__
|
||
|
||
|
||
</div> |