{"took":261,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":92,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14880608","_score":9.623816,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX for multiple violations of federal consumer protection laws, improper credit reporting during an active billing dispute, retaliation, and deceptive billing practices. I have made repeated attempts to settle the matter in good faith and even tried to continue my relationship with XXXX  by starting new service at a new address. Despite all efforts, I have been met with threats, obstruction, and now a collections account that has damaged my credit. XXXX 's conduct is not only unethical, it is unlawful. \n\nThis all began when XXXX XXXX began charging me repeated reconnection fees without valid explanation or notice. On my XX/XX/year>2025 billing statement alone, I was charged over {$150.00} in {$12.00} daily reactivation fees, even though my line was not fully deactivated, I continue to receive incoming calls. I asked agents to explain these charges and received inconsistent answers, no disclosures, and no real resolution. Ultimately, XXXX credited me {$42.00} on XX/XX/XXXX and later {$58.00} on my broadband account, acknowledging the charges were unjustified. Based on that, I asked for a full review of all similar charges. I said verbatim, If these were invalid, can the rest be reviewed too? but was denied a full audit and instead had my account escalated to collections. \n\nThese actions violate the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires creditors to investigate disputed charges and prohibits retaliation while the matter is under dispute. It also violates 47 CFR 64.2401 ( a ) and 47 U.S. Code 201 ( b ) for unjust and unreasonable billing practices. XXXX applied partial credits while continuing to bill me for the same types of charges they admitted were invalid. \n\nOn XX/XX/year>2025, I received an email from XXXX stating that if I didnt pay the balance of {$590.00} by XX/XX/XXXX, my account would be reported to credit bureaus and sent to collections. However, I had already filed a formal complaint with the FCC on XX/XX/year>2025 ( Ticket No. XXXX ). The Fair Credit Billing Act makes it illegal to threaten or pursue credit reporting or collections on a disputed account while a formal dispute is active. This also violates 47 CFR 64.2401 ( c ) and 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act, which prohibits furnishing misleading credit information on a debt you know is in dispute. \n\nI then received an actual collections notice via XXXX XXXX on XXXX XXXX, 2025 showing my XXXX  XXXX  account had been sent to Harris & Harris, with a different balance of {$530.00} a discrepancy from the {$590.00} previously claimed. This balance inconsistency is significant. Under Truth in Billing rules, providers are required to present accurate, itemized statements that reflect the true amount owed. The numbers provided by XXXX are inconsistent, conflicting, and designed to confuse. This lack of accuracy calls into question the validity of the entire debt, which should be rendered unenforceable based on inaccurate and contradictory amounts. \n\nAdditionally, during a XX/XX/year>2025 chat, I asked XXXX if I could port out my number. I was told, Once you pay the bill, you can port out the number easily. This is a direct violation of federal law, specifically 47 U.S. Code 251 ( b ) ( 2 ) and the FCCs Local Number Portability Order ( 15 FCC Rcd 19904 ), which explicitly states that carriers can not require bill payment before allowing number portability. I cited this law to XXXX agents and was ignored. This shows clear retaliation, coercion, and denial of my federal right to maintain access to my phone number. \n\nI also want to point out that XXXX response to the FCC left out major pieces of evidence I had already submitted. These include : credits they issued to me ; chat logs confirming an offer for 12 months of free mobile service for a {$30.00} activation fee ; call logs with agents like XXXX, XXXX ( XXXX : XXXX ), and supervisors like XXXX ; and multiple escalation ticket numbers like XXXX. Failing to include these facts is a potential violation of 18 U.S.C. 1001 ( making false statements to a federal agency ) and 47 CFR 64.2401 ( b ) ( failure to disclose accurate billing and adjustment history ).\n\nI also made dozens of attempts to update my address and phone number with XXXX. Every time I spoke to a new agent or supervisor, I had to repeat the request. Despite assurances that the information was updated, the new address and phone number were never saved in the system. As a result, I missed important service notices and had to start the update process again from scratch during each contact. This mismanagement reflects both negligence and a lack of transparency, violating 47 CFR 64.2401 ( a ). \n\nMoreover, on XX/XX/XXXX, I attempted to settle the account in full and continue service at my new address. I was told by one agent that my broadband account could be cleared for {$300.00} after applying the {$58.00} credit but that offer was later denied and replaced with further collection threats. My mobile account was never offered a settlement at all, despite the billing disputes. My attempts to settle were ignored, blocked, or simply met with our decision still stands responses from supervisors like XXXX, who told me on a XX/XX/XXXX call, Is there anything else youd like to discuss? after saying they reviewed my FCC rebuttal. \n\nDespite me actively trying to resolve the situation, including filing multiple complaints, XXXX retaliated by reporting me to a collection agency during an active dispute, damaging my credit by XXXX points. This has directly affected my finances, especially given that Im currently on public assistance, XXXX, and XXXX, making my hardship and good faith efforts even more relevant. I disclosed this to XXXX agents multiple times and was still denied any resolution. \n\nTo be clear, XXXX is currently disputing my complaints, but they are doing so while omitting key evidence, misrepresenting the facts to federal agencies, issuing unlawful credit threats, and actively damaging my credit. The record proves that they issued credits for improper fees, refused to audit the rest, threatened me with collections while under federal review, misled me about porting rights, and then followed through by placing the debt on my credit report all while I was attempting to cooperate.","date_sent_to_company":"2025-07-25T16:08:22.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"07304","tags":null,"has_narrative":true,"complaint_id":"14880608","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2025-07-25T16:07:52.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I also made dozens of attempts to <em>update</em> my address and phone number with XXXX. Every time I spoke to a new agent or supervisor, I had to repeat the request. Despite assurances that the information was <em>updated</em>, the new address and phone number were never saved in the system. As a result, I missed important service notices and had to start the <em>update</em> process again from scratch during each contact."]},"sort":[9.623816,"14880608"]},{"_index":"complaint-public-v1","_id":"16232531","_score":9.050464,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Re : Comprehensive Demand for Human Reinvestigation and Immediate Deletion of Inaccurate / Unverified Derogatory Accounts and Unauthorized Inquiries CFPB Complaint # XXXX ( submitted XX/XX/XXXX ) Dear Experian Compliance/Legal Team : This letter is a formal, statutory dispute and an unequivocal demand for immediate remedial action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection authorities. I previously submitted Complaint # XXXX to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX ; that complaint remains active. Despite my direct, timely requests to furnishers and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, National Credit Systems, XXXX XXXX, XXXX, and various medical collectors ), those parties have failed to produce admissible documentation that validates the alleged debts. XXXX continued reporting of these unverifiable items violates the FCRAs accuracy and reinvestigation mandates and must stop immediately. \n\nThis letter demands the following, for each disputed item listed below : XXXX. A human-conducted reinvestigation ( not an e-OSCAR code swap ) within the FCRA timeframe XXXX identify the named investigator assigned to this matter and provide direct contact information.\n\n2. Immediate deletion of the disputed trade line and any related hard inquiry if the furnisher ( s ) can not produce primary documentation described below. Partial corrections or re-aging are not acceptable only permanent deletion will cure the statutory violations described herein.\n\n3. Production of the specific documents relied upon to verify each item ( see itemized document list per account ). Provide copies of each document and certify the documents origin ( including chain-of-custody and date/time stamped e-mail/portal transmissions ). \n4. Preservation notice : preserve all records, audit logs, e-OSCAR/CDV messages ( full payloads ), attachments, PDF receipts, access logs, and any internal notes or communications relating to these items. Any destruction of such records will be treated as spoliation and will be reported to regulators and the court. \nXXXX. A corrected XXXX  credit report reflecting deletions, a dated written confirmation of deletion, and a written apology/acknowledgment of the prior erroneous reporting. \n6. If any item is returned verified, produce ( a ) the exact documents relied upon for verification, ( b ) the name and title of the furnisher contact who attested to the documents, ( c ) the method of verification performed, and ( d ) copies of any chain-of-title or assignment documents for debt buyers.\n\nLegal & Evidentiary Grounds ( summary ) FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.\n\nFCRA 1681i ( a ) Upon a consumer dispute, the CRA must conduct a reasonable reinvestigation and delete information that is inaccurate or can not be verified.\n\nFCRA 1681s-2 ( b ) Furnishers must investigate disputes forwarded by a CRA and correct or delete information that can not be verified.\n\nFDCPA 1692g Debt collectors must validate collection debts upon request.\n\nCase law establishing these duties includes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( CRAs must conduct meaningful investigations and not rely on superficial checks ) and the XXXX XXXX recent standing analysis in XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( which underscores the need for actual, concrete harms and accurate processes ). CFPB enforcement actions and complaints also document industry failures to meet reinvestigation obligations ( see CFPB v. Experian enforcement filings ). \n\nBelow each disputed item is separately identified, with the specific verifications I demand and the immediate remedy requested. \n\n\n\nITEM XXXX XXXX XXXX XXXX  ( Revolving / Charged-Off ) Alleged trade line : Charged-off revolving account ( reported ). \nFactual basis for dispute : I requested validation and a complete account ledger more than two months ago ; none was produced. Reported data shows inconsistent payment history, missing DOFD, and contradictory status fields ( e.g., charge-off reported but open/active indicators present ). These structural inconsistencies render the trade line inaccurate.\n\nDocuments required to verify : ( a ) signed original credit agreement or application in my name; ( b ) full payment history showing principal/interest/fees from origination to present ; ( c ) the documented Date of First Delinquency ( DOFD ) with audit trail ; ( d ) charge-off ledger signed by the creditor ; ( e ) any assignment/transfer documents if sold.\n\nMetro/Reporting defects : Missing or inconsistent DOFD ; inconsistent status coding ; failure to display active consumer dispute flag during reinvestigation.\n\nDemand : Delete permanently unless you produce all documents above within 30 days. If documents are produced, they must be originals or verifiable electronic records with chain-of-custody ; otherwise delete. Provide deletion confirmation and corrected file. \n\n\n\nITEM XXXX XXXX XXXX ( XXXX / XXXX ) Factual basis : No account contract, statements, or charge-off ledger produced when requested. Prior reporting shows inconsistent balances and dates. \nDocuments required : Signed account agreement, monthly statements, DOFD, charge-off calculation and ledger, assignment documents ( if any ). \nDemand : Permanent deletion unless Experian produces the full documentary record above, with origin certification, within 30 days. Provide deletion confirmation and corrected report. \n\n\n\nITEM XXXX XXXX XXXX XXXX ( Collection ; alleged original creditor : XXXX XXXX XXXX  XXXX. ) Factual basis : XXXX is a debt buyer. No chain-of-title, assignment, or documentation of the original agreement has been produced. Reported balance, fees, and post-sale charges are unsubstantiated. \nDocuments required : ( a ) Certified chain-of-title and assignment/purchase agreement showing LVNVs acquisition of the account ; ( b ) full original creditor account number and application ; ( c ) itemized ledger showing all interest/fees post-assignment ; ( d ) any proof of notice of assignment to the consumer. \nLegal basis : Debt buyers can not validate via conclusory statements ; FDCPA 1692g validation is required and FCRA 1681s-2 ( b ) requires furnishers to verify.\n\nDemand : Delete immediately unless all documents above, in certified form, are produced within 30 days. \n\n\n\nITEM 4 National Credit Systems ( NCS ) ( Collection alleged apartment lease / XXXX XXXX XXXX  ) Factual basis : No lease, move-out itemization, or documentation tying me to the alleged unit or charges has been produced ; potential identity/address mismatch. \nDocuments required : Lease agreement signed by me, move-out statement detailing charges, landlord ledger, service provider bills, proof linking my SSN or name to the unit, and any assignment documents.\n\nDemand : Delete permanently unless the full evidentiary package is produced and validated within 30 days. \n\n\n\nITEM XXXX XXXX XXXX  ( Medical collection ; original : XXXX XXXX XXXX XXXX Factual basis : Medical bill validation ( EOB, itemized statement, patient authorization/consent, dates of service and provider ) not produced. Reporting appears to disclose medical provider information ( risking PHI exposure ).\n\nDocuments required : Itemized EOB and patient billing, proof of assignment of balance to collector, dates of service, and patient identifier linking the account to me. If the furnisher can not produce HIPAA-compliant documentation proving lawful disclosure, the account must be deleted.\n\nPrivacy/Legal note : Medical collections implicate privacy concerns ; XXXX  must ensure reporting does not expose unnecessary PHI and must delete any unverifiable medical entries. \nDemand : Immediate deletion unless full, HIPAA-compliant validation documents are produced within 30 days. \n\n\n\nITEM XXXX XXXX  ( Collection ; alleged original : 09 Daytown XXXX XXXX ) Factual basis : No contract/lease or itemized billing has been provided. Furnisher naming conventions are inconsistent across screens, indicating unreliable data. \nDocuments required : Signed lease or contract, itemized move-out or damage statements, proof linking me to the obligations, assignment documents ( if sold ). \nDemand : Delete permanently unless proof above is produced within 30 days. \n\n\n\nITEM 7 Additional Medical Collections ( various ) Factual basis : No validation ( EOB, assignment, itemizations ) provided for any of the medical collections reported. Reporting appears incomplete and inconsistent across fields ; DOFD and collection status are often missing.\n\nDocuments required : For each listed medical collection : EOB, provider billing, patient match proof, assignment to collector, and itemized ledger.\n\nDemand : Delete permanently unless documented validation is produced within 30 days.\n\nHARD INQUIRIES Remove Immediately If Unauthorized All hard inquiries related to the above accounts ( and any other inquiries that Experian can not show a verifiable permissible purpose for ) must be deleted immediately. If any furnisher claims a permissible purpose, produce the written authorization or a contemporaneous application signed by me that justifies the pull. \n\n\n\nEvidence Preservation & Production Requirements XXXX  must preserve and produce, without redaction, within 30 days for each disputed item : Copies of all documents used to verify the item ( including any documents produced by furnishers ). \nFull XXXX transaction logs, including the full payloads and attachments ; timestamps ; the exact responses from furnishers ; and any internal notes or case logs used during reinvestigation.\n\nIdentity of the named human investigator and the time they reviewed the file, plus any communications between XXXX  and the furnisher referring to the verification. \nCopies of any consumer report disseminations that included these items ( to whomever the file was disclosed ) since the first date the item appeared. \n\nPreserve all evidence now. Any destruction will be treated as spoliation. \n\n\n\nEnforcement/ Remedies I Will Pursue If Experian does not delete the above items ( or produce full, certified documentary verification as described ) within 30 days from your receipt of this letter, I will : 1. Immediately notify and update CFPB Complaint # XXXX with your response and my evidence of non-compliance. \n2. File complaints with the Federal Trade Commission and the Texas and/or relevant State Attorney General.\n\n3. Initiate private legal action seeking statutory and actual damages for willful and/or negligent noncompliance under FCRA 616617 , injunctive relief, costs and attorneys fees, and any other remedies available by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  other authorities demonstrating CRAs obligations to perform meaningful reinvestigations. ) 4. Seek expedited discovery and sanctions if evidence shows XXXX  relied solely on automated XXXX code returns rather than a bona fide human reinvestigation. \n\n\n\nFinal Instructions / Confirmation Requested 1. Confirm receipt of this dispute and preservation notice within 5 business days.\n\n2. Assign a human investigator to my case and provide the investigators name, direct phone and e-mail. \nXXXX. Confirm in writing that XXXX  will ( a ) conduct a human reinvestigation ( not only XXXX  code exchanges ), ( b ) require furnishers to produce primary documentation as listed above, and ( c ) delete any item that the furnisher can not verify with primary source documentation. \n4. Provide a written response and the corrected Experian credit file within 30 days of your receipt of this letter.\n\nThis demand is made without prejudice to any other legal, regulatory, or equitable claims I possess. I will treat any failure to comply or any attempt to verify these items by means of conclusory furnisher responses ( without documentary support ) as a willful violation of the FCRA. \n\nSincerely, XXXX XXXX XXXX ( Signature if","date_sent_to_company":"2025-09-29T00:53:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"16232531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-09-29T00:18:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["ITEM XXXX XXXX XXXX  ( Medical collection ; original : XXXX XXXX XXXX XXXX Factual basis : Medical bill validation ( EOB, itemized statement, patient authorization/consent, dates of service and <em>provider</em> ) not produced. Reporting appears to disclose medical <em>provider</em> information ( risking PHI exposure ).\n\nDocuments <em>required</em> : Itemized EOB and patient billing, proof of assignment of balance to collector, dates of service, and patient identifier linking the account to me."]},"sort":[9.050464,"16232531"]},{"_index":"complaint-public-v1","_id":"15158421","_score":8.737797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. \nXXXX, FL XXXX Address Issue : This address has been incorrectly added to my credit report and does not accurately match my identity. This false address has caused confusion and made it difficult for me to maintain my credit score correctly. \nLaw : According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ), consumers have the right to have accurate information reported, and having an incorrect address is a violation of the FCRA. \nStory : In XX/XX/XXXX, I first noticed that strange addresses were appearing under my name. As a result, I was denied an important loan, which caused both personal and client-related issues. \nDemand : I demand that this incorrect address be removed immediately and that the concerned agency correct my report in accordance with the FCRA. \n\nXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Issue : This account by XXXX XXXX XXXX does not match my identity or residential address, and I never took out any loan of this amount. According to the Fair Debt Collection Practices Act ( FDCPA ), reporting any account without proper verification or with false information is a serious legal violation. \nStory : When I checked my credit report, I found a collection account reported under XXXX XXXX XXXX, which included an old and unfamiliar address plus loan information entered without my permission. This is a clear breach of federal law and has put my financial situation at risk due to inaccurate information on my credit report. I hereby demand immediate correction and a full investigation. \n\nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : This XXXX XXXX account is linked with my current address, but I have never taken any services or opened this account. It was created in XXXX and is fully unrelated to me. \nLaw : Under the Fair Credit Reporting Act ( FCRA ), consumer information must be accurate and up-to-date; reporting a charge-off with incorrect information is illegal. \nStory : As a longstanding utility account, this charge-off has put me in trouble, showing me at an old address where I never lived. It limits my opportunity for financial recovery and is a clear legal violation. Urgent resolution is required. \n\nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$67.00} Issue : This XXXX XXXX account does not match my current address or identity ; it has been wrongly reported due to the credit reporting agency 's negligence. \nLaw : Both FCRA and FDCPA require that no charge-off be added to anyone 's credit report without proper evidence and verification. \nStory : Even though the charge-off amount is small, it has significantly impacted my credit score. On inquiry, I found the account matched an old address where I never lived, showing identity confusion or reporting error. I demand swift investigation and correction. \n\nXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$190.00} Issue : Recent collection entry, but I never held any bill or loan under this account. The addresses and dates shown in the report are not aligned with the facts. \nLaw : Under FDCPA/FCRA, any unauthorized or inaccurate information must be promptly removed. \nStory : A recent hard inquiry revealed a new collection entry from XXXX XXXX that does not match my name or address, proving grave negligence in data verification. \n\nXXXX XX/XX/XXXX Issue : Inquiry on my report without my permission. \nLaw : Unauthorized inquiries must be investigated and properly deleted according to the Fair Credit Reporting Act ( FCRA ). \nStory : I never created any loan or utility accounts with this provider, yet the inquiry was added, impacting my credit score. \n\nXXXX XX/XX/XXXX Issue : Never applied for any XXXX product or loan ; this inquiry is unrecognized. \nLaw : Adding any inquiry to my report without consent is a legal violation. \nStory : Finding an inquiry from XXXX shocked meclearly an instance of identity confusion or audit error. \n\nXXXX XX/XX/XXXX Issue : I have no relation with XXXX XXXX, but still, an inquiry appears in my report. \nLaw : FCRA Section 604 ( c ) ; No permissible purpose without proper authorization. \nStory : It seems someone unknown used my name, or it is a reporting error. \n\nXXXX XXXXXX/XX/XXXX Issue : XXXX XXXX inquiry was added without my consent. \nLaw : Action required under FDCPA/FCRA. \nStory : Possibly identity fraud or bureau error ; investigation is necessary. \n\nXXXX XXXXXX/XX/XXXX Issue : No knowledge about this lender or account, unauthorized inquiry. \nLaw : Inquiry is not valid without proper written consent.\n\nStory : Data mismatch may have led to inadvertent inquiry addition. \n\nXXXX XX/XX/XXXX Issue : Unknown to me ; legitimacy of inquiry is very doubtful. \nLaw : Outside the bounds of FCRA. \nStory : Such unexplained inquiries are damaging my credit reputation. \n\nXXXX XXXXXX/XX/XXXX Issue : Inquiry from an unfamiliar institution, irrelevant. \nLaw : No consent. \nStory : Impacting eligibility. \n\nXXXX XXXX XXXXXX/XX/XXXX Issue : No known transaction, unauthorized. \nLaw : FCRA breach. \nStory : No legitimate request submitted. \nRequested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report.\n\n2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. \n3. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed. \n4. Provide evidence of proper investigation and validation from data furnishers or delete the entries. \n5. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.","date_sent_to_company":"2025-08-09T00:40:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32211","tags":null,"has_narrative":true,"complaint_id":"15158421","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-09T00:38:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : Finding an inquiry from XXXX shocked meclearly an instance of identity confusion or <em>audit</em> error. \n\nXXXX XX/XX/XXXX Issue : I have no relation with XXXX XXXX, but still, an inquiry appears in my report. \nLaw : FCRA Section 604 ( c ) ; No permissible purpose <em>without</em> proper authorization. \nStory : It seems someone unknown used my name, or it is a reporting error. \n\nXXXX XXXXXX/XX/XXXX Issue : XXXX XXXX inquiry was added <em>without</em> my consent. \nLaw : Action <em>required</em> under FDCPA/FCRA."]},"sort":[8.737797,"15158421"]},{"_index":"complaint-public-v1","_id":"14975692","_score":8.56315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires that Experian conduct a reasonable reinvestigation of any disputed item on a consumers credit report. I am requesting, in accordance with federal law and pursuant to obligations enforced by the Consumer Financial Protection Bureau ( CFPB ), a full and complete Method of Verification ( MOV ) for the tradeline reported by XXXX XXXX XXXX under account number XXXX Furthermore, Experian is obligated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide me with the business name and address of the furnisher, the telephone number if reasonably available, and a description of the procedure used to determine the accuracy and completeness of the information, including the name of the person or entity that verified it. I assert that Experian failed to provide a legally adequate response, and I request immediate correction and full compliance with disclosure. In addition, Experians update notification dated XX/XX/XXXX, indicates changes made to this tradeline following a dispute initiated by me. However, the outcome remains opaque, inadequately explained, and devoid of any MOV documentation. This constitutes a breach of my rights under both the FCRA and the standards outlined in CFPB Supervision and Examination Manual guidelines for CRAs. Experian is further required to retain all internal documentation pertaining to this dispute under the FCRAs reasonable procedures requirement. I hereby demand a certified copy of the dispute file and internal notes concerning this tradelines reinvestigation. This includes any e-OSCAR communication sent or received, any documents provided by the furnisher, and any Experian notes regarding the legitimacy, legality, or accuracy of the XXXX XXXX XXXX entry. I also request the names and job titles of all personnel involved in processing, adjudicating, or responding to the dispute, whether automated or human, along with a breakdown of how the decision to update was reached, what specific changes were made, and what information formed the basis of the final outcome. Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), I assert that Experian failed to notify me in writing of the nature of the information provided by XXXX XXXX XXXX during the reinvestigation process. The law mandates that if information is disputed, and a reinvestigation occurs, the CRA must inform the consumer of the procedure used, which includes the name, address, and contact number of any furnisher of information. No such detail was provided in this case. Furthermore, I formally object to Experians use of automated reinvestigation systems, such as e-OSCAR, without human verification or contextual review. This violates the reasonable procedures to assure maximum possible accuracy standard of 15 U.S.C. 1681e ( b ), as machine-generated responses are categorically incapable of considering nuanced dispute context, such as identity theft indicators, evidentiary documents, or consumer affirmations. This complaint also emphasizes Experians systemic failure to maintain robust audit trails of dispute resolution. I demand a full log of the disputes lifecycle, including timestamps for when it was received, processed, transmitted to the furnisher, and when any data was updated. If no such timestamp exists, Experian is in violation of data retention best practices outlined in CFPB Examination Procedures for Consumer Reporting. Moreover, I challenge the integrity of Experians updated status. What exactly was updated? What data points were changed, corrected, or removed? If the dispute concluded without deletion, what evidence did Experian find persuasive in favor of the furnisher? Please itemize the alleged balance, date of delinquency, charge-off details, and date of last activity as they appeared before and after the update. Under the CFPBs Bulletin 2014-01, consumer reporting agencies are explicitly warned against superficial reinvestigations that merely confirm the presence of data from a furnisher. The bureau reiterates that furnisher confirmation alone is insufficient when a dispute presents documentary evidence. My dispute contained sufficient detail to demand a deeper review, and yet I received no indication that Experian engaged in anything more than a basic ping to the furnisher. I am demanding that Experian provide copies of all documents obtained from XXXX XXXX XXXX in response to this dispute, including validation records, billing statements, account origination data, chain of title documentation, and any signed agreements bearing my name. If no such documentation exists, Experian is required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the item. Additionally, Experians report formatting obfuscates the actual status of the account. Terms such as updated do not convey legal meaning and fail to fulfill Experians disclosure obligations under 15 U.S.C. 1681g ( a ). I request a plain-language explanation of the current account status, balance, historical updates, and whether the data was ever suppressed, temporarily removed, or flagged for review. Furthermore, I assert that XXXX XXXX XXXX has no lawful basis to report this debt, as they have not furnished evidence of legal ownership, nor have they shown that the debt was incurred through a signed contract. If Experian possesses documentation attesting to the legal chain of custody of the debt ( e.g., bills of sale, assignment documents ), I demand immediate access to such materials. In summary, this multi-part complaint requires the following action : XXXX. A full Method of Verification disclosure consistent with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).\n\n2. Certified copies of all reinvestigation records including internal Experian communications, e-OSCAR dispute tickets, and vendor interactions. \nXXXX. Names, titles, and roles of Experian agents involved in this case. \nXXXX. All documentation obtained from XXXX XXXX XXXX. \nXXXX. A plain-language breakdown of the post-update data on my file. \nXXXX. Immediate deletion of this tradeline if Experian can not supply full evidence of verification as mandated by law.\n\nFailure to comply with this request will be reported directly to the Consumer Financial Protection Bureau, the Federal Trade Commission, and any relevant state Attorney General.\n\nExperians reliance on automated dispute handling not only undermines the integrity of the reinvestigation process but also erodes public trust in the accuracy of credit reporting. According to the CFPBs XXXX Annual Report on the Fair Credit Reporting Act, a significant portion of consumer complaints stem from Experians unwillingness or failure to provide meaningful responses to dispute inquiries. This case exemplifies that failure. I further assert that Experian has not complied with its statutory obligation to notify third parties who received the inaccurate information, per 15 U.S.C. 1681i ( d ), once a dispute results in a change or deletion. Please confirm in writing whether any such third-party notifications were made, and if so, to whom and when. The definition of a reasonable reinvestigation under federal law has evolved. The XXXX XXXX in XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX in XXXX XXXX XXXX made it clear that mere passive forwarding of information does not meet the XXXX XXXX XXXX. By failing to investigate the context and merit of my dispute, Experian is violating judicial precedent as well as statutory duty. Moreover, I request written assurance that Experian has implemented the procedural safeguards outlined in 12 C.F.R. 1022, including quality control standards for automated dispute resolution, training protocols for dispute agents, and periodic review of furnisher reliability. I am also demanding full metadata for the tradeline in question. This includes : Date account first reported by XXXX XXXX XXXX Date of last update Any suppressions or soft deletions Internal dispute flags or annotations Data-sharing history for this tradeline with third parties These metadata elements form part of the information that a consumer reporting agency is required to provide under 15 U.S.C. 1681g ( a ) ( 1 ).\n\nExperians failure to supply a detailed and meaningful MOV places this account in violation of the maximum possible accuracy clause in 15 U.S.C. 1681e ( b ). As such, I demand deletion of the XXXX tradeline until and unless you can provide : Documentary proof of account origination with my signature A complete chain of title, including assignments Full account history and billing cycle documentation Contact logs showing interactions between XXXX and Experian regarding my dispute Without such documentation, this entry is unverifiable and legally defective. \n\n\n\nI also assert potential violations of state-level consumer protection laws. For example, under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), a CRAs failure to correct false information after reasonable notice may constitute an unfair or deceptive act. Experians pattern of generic, opaque dispute outcomes may violate this provision. In accordance with my rights, I intend to forward this complaint to the Pennsylvania Attorney Generals Bureau of Consumer Protection. Please consider this a formal notification of my intention to escalate unless remedial steps are taken within 30 days. Additionally, I am requesting that Experian clarify whether the XX/XX/XXXX update to this account included changes to : Balance Account status Payment history Date of last activity XXXX opened Creditor name For each field, I request both the previous value and the new value. This data is essential to assess whether the update constituted a meaningful correction or simply a cosmetic adjustment with no effect on my creditworthiness. \n\n\n\nPlease also explain whether Experian attempted to verify the legitimacy of the underlying debt contract with the original creditor before updating the XXXX account. If the debt is alleged to originate with a now-defunct lender, or a creditor who no longer maintains original records, Experian is under heightened obligation to scrutinize the data before republishing it. If you are unable to obtain these original records, then the account should be deleted, not updated. The continued reporting of unverifiable, unvalidated information is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ). If XXXX records reflect that the XXXX tradeline was simply confirmed by the furnisher through an automated system, then this is legally insufficient. Experian must : XXXX. Independently verify the claim through documentation XXXX. Provide a full written MOV with named contacts XXXX. Suspend reporting during any extended reinvestigation period Failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n and subjects Experian to potential statutory and punitive damages. \n\n\n\nI now formally reiterate that any continued reporting of the XXXX XXXX XXXX tradeline, without verifiable documentary support and a complete MOV response, will be treated as willful negligence. I reserve all rights under FCRA 1681n and 1681o to pursue damages, including through private legal action and coordinated enforcement through CFPB. I also request confirmation that this dispute is now being escalated to Experians legal and executive dispute review teams for further handling due to the volume and seriousness of the legal claims asserted herein. This communication serves as both : XXXX. A Method of Verification ( MOV ) request under FCRA 1681i ( a ) 2. A formal complaint for filing with the Consumer Financial Protection Bureau XXXX. A record to be preserved for evidentiary purposes in any potential legal proceeding Experian is hereby placed on notice that future failure to meaningfully respond XXXX be included in a pattern of disregard for federal consumer protection obligations. The burdens on your administrative staff are a natural consequence of systemic failure to provide adequate verification under law. \n\n\n\nIn addition to the above demands, I am requesting Experians full correspondence log for this dispute, including : Emails sent to or from XXXX XXXX XXXX regarding my file Notes entered by agents or automated systems Internal flags or status codes attached to my report Any comments, memos, or interdepartmental communications concerning this tradeline This information is necessary to evaluate whether Experian followed its own dispute-handling protocols, as well as those mandated by federal law and CFPB XXXX. \n\n\n\nI am also requesting a statement of all policies, procedures, and training materials used by Experian personnel to evaluate disputes related to debt buyers such as XXXX XXXX XXXX. I request specific clarification on : XXXX. XXXX Experian requires original creditor documentation to verify a debt XXXX. What constitutes sufficient documentation to validate a disputed item XXXX. Whether any reinvestigation took place beyond a single furnisher confirmation These elements go to the heart of whether Experian maintains reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\n\n\nIn accordance with the burden Experian places on consumers to verify identity when initiating disputes, I now place a symmetrical burden on Experian : please provide legally adequate documentationcomparable in evidentiary weight to a signed affidavitthat proves the accuracy of the XXXX tradeline and the completeness of your reinvestigation process.This demand is rooted in basic fairness and the principle that no consumer reporting agency should expect consumers to bear more evidentiary burden than it imposes upon its own furnishers. I also request Experians definition of the term updated as it appears in my file. This term is overly vague and fails to meet the statutory clarity requirements under 15 U.S.C. 1681g ( a ) ( XXXX ). Please define : What does updated mean? \nWhat data fields were affected? \nWhat data values changed? \nWas any deletion or suppression involved? \nDid XXXX affirmatively initiate this update? \n\nIf Experian can not define updated with precision and evidence, then the label itself is misleading and potentially deceptive under FCRA and the Dodd-Frank Act. \n\n\nFurther, please confirm whether Experian has ever received regulatory warnings, consent orders, or enforcement actions from the CFPB or other authorities related to its handling of XXXX XXXX XXXX data. If so, I request that you disclose the nature and outcome of such actions, along with documentation reflecting internal changes made in response.This is relevant because it speaks to whether Experian is operating under any compliance restrictions that may impact how it handles disputes involving debt buyers or third-party furnishers. In the interest of procedural transparency, I request the following additional data elements from your system : Dispute codes used internally ( numeric or alphanumeric ) Response codes returned by the furnisher The timestamp of each data transmission System used for the update ( e.g., e-OSCAR, Experian proprietary ) I also request any machine-readable XML or JSON logs produced by your systems when processing my dispute. If Experian does not retain such logs, please confirm in writing and explain why such logs are not required or stored for audit purposes. \n\n\n\nExperians continued reporting of unverifiable, unsupported data from debt buyers causes material harm. The presence of this tradeline adversely affects my creditworthiness and future access to housing, employment, and credit. In XXXX XXXX XXXX  the court found that CRAs are liable for failing to go beyond automated confirmation when consumers raise detailed, fact-specific disputes. This is analogous to my case. Given this precedent, I assert that Experians decision to update the LVNV tradeline without full documentary verification and without providing me the MOV documentation constitutes a failure of due process and a legal injury. I reiterate that I am not merely requesting deletion on technical grounds, but rather on the basis that no lawful verification has occurred. The standard is not mere presence of a debt buyers data, but actual accuracy and verifiability of the content. Experian can not meet this standard unless it produces : A signed contract bearing my name Original creditor statements validating the amount Documentation of assignment to XXXX A complete accounting of fees, interest, and balances None of this has been provided in prior disputes. Therefore, the burden is on Experian to either produce it now or cease reporting the entry. \n\n\nPlease also confirm whether Experian shares this XXXX tradeline with any affiliates, data aggregators, or scoring model providers ( e.g., FICO, VantageScore ). If so, what limitationsif anydoes Experian impose on how disputed data is shared during the reinvestigation period? I request a detailed accounting of all third-party access to my file since the XXXX XXXX XXXX account appeared, including : Date of access Entity name Permissible purpose Whether data was disputed at the time In closing this section, I again emphasize : the volume, specificity, and legal precision of this request are proportional to the failure of Experian to adequately explain or support its previous actions. If Experian can not or will not provide documentary verification as demanded under FCRA 1681i, then Experian must delete the XXXX tradeline immediately and notify all recipients of my file of this correction. I reserve the right to amend, supplement, or escalate this complaint, and I insist on written confirmation of Experians actions in response to each enumerated demand. \nI now submit an expanded list of documents that Experian must furnish to fulfill its obligations under both the FCRA and general principles of fair consumer reporting. This list includes, but is not limited to : XXXX. All contracts, agreements, or records identifying XXXX XXXX XXXX as a data furnisher XXXX. All legal documents substantiating LVNVs ownership of the alleged debt XXXX. Any indemnification or liability disclaimers between Experian and XXXX XXXX. A breakdown of how balances were calculated XXXX. Evidence of the date and method by which the account was charged off by the original creditor If Experian relies on summary data or generic confirmation templates to verify the account, this constitutes a failure under 15 U.S.C. 1681i. \n\n\nAdditionally, I demand copies of any internal quality control checklists or audit reports that reviewed this particular dispute. If no quality control was performed, I ask Experian to acknowledge this fact in writing. Further, I request confirmation of whether this tradeline has been subject to prior consumer disputes ( from other consumers ), regulatory inquiries, class action suits, or enforcement actions that would suggest a pattern of error or abuse related to XXXX XXXX XXXX XXXX reporting. Experian should confirm whether it applied any suppression flags, fraud indicators, or dispute codes to this file at any point between the original reporting of the tradeline and the most recent update. If so, I demand the dates and reasons for such flags, and documentation of when they were removed or altered. If no suppression codes or dispute indicators were applied, despite my initiating a legally valid dispute, that raises questions about Experians compliance with FCRAs reasonable procedures and dispute-handling obligations. To ensure Experian is acting in good faith and not systematically favoring furnishers over consumers, I request documentation of Experians policies on : Dispute prioritization Reinvestigation timelines Conditions that trigger escalated manual review Definitions of terms like frivolous, duplicate, or verified Please also disclose whether XXXX XXXX XXXX has any preferred vendor, VIP, or priority data transmission relationship with Experian, and if so, how that affects dispute handling or verification. \n\n\nTo ensure transparency and accountability, I ask for a notarized attestation from an Experian compliance officer stating : That all verification procedures were followed That XXXX XXXX XXXX provided documentary evidence That no deletion was warranted under 1681i ( a ) ( XXXX ) That this verification complies with FCRA and CFPB regulations If no such sworn statement can be made, Experian must immediately delete the LVNV tradeline and notify all third parties who received it in the past 24 months. \n\n\nIf Experian fails to respond with full documentation, I will : File this entire complaint with the CFPB Forward a copy to the Pennsylvania Attorney Generals Office Report the issue to the FTC Request congressional oversight for systemic CRA noncompliance Share this burden-based template with other judgment-proof consumers These actions are intended to expose Experians reliance on superficial verification procedures and its disregard for the consumer protections built into federal credit reporting law. \n\n\n\nI further assert that the lack of adequate MOV documentation may constitute a deceptive act or practice under the Dodd-Frank Act and subject Experian to potential CFPB enforcement actions. Your continued reliance on auto-confirmation from debt buyers is not only lazyit is dangerous and legally vulnerable. As outlined in CFPB enforcement guidance, CRAs that repeatedly fail to verify data with original documentation are at risk for enhanced scrutiny and fines. I will do everything in my power to ensure this complaint contributes to that regulatory pressure. Please also acknowledge receipt of this MOV demand in writing. I expect your full responsecomplete with attachments, procedural documentation, and a narrative explanation of Experians verification processwithin 30 days of receipt. Your response must be formatted to match the numbered requests in this document for transparency and auditability. Do not substitute vague answers, verified as accurate boilerplate, or e-OSCAR response codes for substantive evidence. To emphasize again : this complaint is not submitted frivolously or in haste. It is the product of extensive legal research, documentation review, and first-hand experience with Experians evasive responses to legitimate disputes. I am judgment-proof, highly informed, and prepared to escalate. Your legal and regulatory exposure grows every time you ignore MOV obligations or offload dispute handling to automated systems incapable of legal reasoning. \n\n\nThis is the final page of my complaint. Experian has a legal and ethical obligation to correct or delete unverifiable data and to stop hiding behind vague updates that obscure the truth. If you choose not to comply, I will take further actionrepeatedly and persistentlyuntil full deletion is secured. Your obligation under the FCRA is clear : verify with documentation or delete the item. \n\nRespectfully submitted, XXXX XXXX XXXX","date_sent_to_company":"2025-07-30T18:14:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"179XX","tags":null,"has_narrative":true,"complaint_id":"14975692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-30T18:11:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What exactly was <em>updated</em>? What data points were changed, corrected, or removed? If the dispute concluded <em>without</em> deletion, what evidence did Experian find persuasive in favor of the furnisher? Please itemize the alleged balance, date of delinquency, charge-off details, and date of last activity as they appeared before and after the <em>update</em>."]},"sort":[8.56315,"14975692"]},{"_index":"complaint-public-v1","_id":"14973488","_score":8.53304,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires that XXXX  conduct a reasonable reinvestigation of any disputed item on a consumers credit report. I am requesting, in accordance with federal law and pursuant to obligations enforced by the Consumer Financial Protection Bureau ( CFPB ), a full and complete Method of Verification ( MOV ) for the tradeline reported by LVNV Funding LLC under account number XXXX Furthermore, XXXX  is obligated under 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( iii ) to provide me with the business name and address of the furnisher, the telephone number if reasonably available, and a description of the procedure used to determine the accuracy and completeness of the information, including the name of the person or entity that verified it. I assert that XXXX  failed to provide a legally adequate response, and I request immediate correction and full compliance with disclosure. In addition, XXXX update notification dated XX/XX/XXXX, indicates changes made to this tradeline following a dispute initiated by me. However, the outcome remains opaque, inadequately explained, and devoid of any MOV documentation. This constitutes a breach of my rights under both the FCRA and the standards outlined in CFPB Supervision and Examination Manual guidelines for CRAs. XXXX  is further required to retain all internal documentation pertaining to this dispute under the FCRAs reasonable procedures requirement. I hereby demand a certified copy of the dispute file and internal notes concerning this tradelines reinvestigation. This includes any e-OSCAR communication sent or received, any documents provided by the furnisher, and any XXXX  notes regarding the legitimacy, legality, or accuracy of the LVNV Funding LLC entry. I also request the names and job titles of all personnel involved in processing, adjudicating, or responding to the dispute, whether automated or human, along with a breakdown of how the decision to update was reached, what specific changes were made, and what information formed the basis of the final outcome. Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), I assert that XXXX failed to notify me in writing of the nature of the information provided by LVNV Funding LLC during the reinvestigation process. The law mandates that if information is disputed, and a reinvestigation occurs, the CRA must inform the consumer of the procedure used, which includes the name, address, and contact number of any furnisher of information. No such detail was provided in this case. Furthermore, I formally object to XXXX  use of automated reinvestigation systems, such as e-OSCAR, without human verification or contextual review. This violates the reasonable procedures to assure maximum possible accuracy standard of 15 U.S.C. 1681e ( b ), as machine-generated responses are categorically incapable of considering nuanced dispute context, such as identity theft indicators, evidentiary documents, or consumer affirmations. This complaint also emphasizes XXXX systemic failure to maintain robust audit trails of dispute resolution. I demand a full log of the disputes lifecycle, including timestamps for when it was received, processed, transmitted to the furnisher, and when any data was updated. If no such timestamp exists, XXXX  is in violation of data retention best practices outlined in CFPB Examination Procedures for Consumer Reporting. Moreover, I challenge the integrity of XXXX  updated status. What exactly was updated? What data points were changed, corrected, or removed? If the dispute concluded without deletion, what evidence did XXXX  find persuasive in favor of the furnisher? Please itemize the alleged balance, date of delinquency, charge-off details, and date of last activity as they appeared before and after the update. Under the CFPBs Bulletin XXXX, consumer reporting agencies are explicitly warned against superficial reinvestigations that merely confirm the presence of data from a furnisher. The bureau reiterates that furnisher confirmation alone is insufficient when a dispute presents documentary evidence. My dispute contained sufficient detail to demand a deeper review, and yet I received no indication that XXXX  engaged in anything more than a basic ping to the furnisher. I am demanding that XXXX  provide copies of all documents obtained from LVNV Funding LLC in response to this dispute, including validation records, billing statements, account origination data, chain of title documentation, and any signed agreements bearing my name. If no such documentation exists, XXXX  is required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the item. Additionally, XXXX  report formatting obfuscates the actual status of the account. Terms such as updated do not convey legal meaning and fail to fulfill XXXX  disclosure obligations under 15 U.S.C. 1681g ( a ). I request a plain-language explanation of the current account status, balance, historical updates, and whether the data was ever suppressed, temporarily removed, or flagged for review. Furthermore, I assert that LVNV Funding LLC has no lawful basis to report this debt, as they have not furnished evidence of legal ownership, nor have they shown that the debt was incurred through a signed contract. If XXXX  possesses documentation attesting to the legal chain of custody of the debt ( e.g., bills of sale, assignment documents ), I demand immediate access to such materials. In summary, this multi-part complaint requires the following action : 1. A full Method of Verification disclosure consistent with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).\n\n2. Certified copies of all reinvestigation records including internal XXXX communications, e-OSCAR dispute tickets, and vendor interactions. \n3. Names, titles, and roles of XXXX  agents involved in this case. \n4. All documentation obtained from LVNV Funding LLC. \n5. A plain-language breakdown of the post-update data on my file. \n6. Immediate deletion of this tradeline if XXXX  can not supply full evidence of verification as mandated by law.\n\nFailure to comply with this request will be reported directly to the Consumer Financial Protection Bureau, the Federal Trade Commission, and any relevant state Attorney General. \n\n\n\nXXXX  reliance on automated dispute handling not only undermines the integrity of the reinvestigation process but also erodes public trust in the accuracy of credit reporting. According to the CFPBs XXXX Annual Report on the Fair Credit Reporting Act, a significant portion of consumer complaints stem from XXXX  unwillingness or failure to provide meaningful responses to dispute inquiries. This case exemplifies that failure. I further assert that XXXX  has not complied with its statutory obligation to notify third parties who received the inaccurate information, per 15 U.S.C. 1681i ( d ), once a dispute results in a change or deletion. Please confirm in writing whether any such third-party notifications were made, and if so, to whom and when. The definition of a reasonable reinvestigation under federal law has evolved. The Seventh Circuit in Henson v. CSC Credit Services and the Ninth Circuit in Dennis v. BEH-1 made it clear that mere passive forwarding of information does not meet the FCRAs reinvestigation standard. By failing to investigate the context and merit of my dispute, XXXX  is violating judicial precedent as well as statutory duty. Moreover, I request written assurance that XXXX  has implemented the procedural safeguards outlined in 12 C.F.R. 1022, including quality control standards for automated dispute resolution, training protocols for dispute agents, and periodic review of furnisher reliability. I am also demanding full metadata for the tradeline in question. This includes : Date account first reported by LVNV Funding LLC Date of last update Any suppressions or soft deletions Internal dispute flags or annotations Data-sharing history for this tradeline with third parties These metadata elements form part of the information that a consumer reporting agency is required to provide under 15 U.S.C. 1681g ( a ) ( 1 ). \n\n\n\nXXXX  failure to supply a detailed and meaningful MOV places this account in violation of the maximum possible accuracy clause in 15 U.S.C. 1681e ( b ). As such, I demand deletion of the LVNV tradeline until and unless you can provide : Documentary proof of account origination with my signature A complete chain of title, including assignments Full account history and billing cycle documentation Contact logs showing interactions between LVNV and XXXX  regarding my dispute Without such documentation, this entry is unverifiable and legally defective.\n\nI also assert potential violations of state-level consumer protection laws. For example, under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), a CRAs failure to correct false information after reasonable notice may constitute an unfair or deceptive act. XXXX pattern of generic, opaque dispute outcomes may violate this provision. In accordance with my rights, I intend to forward this complaint to the Pennsylvania Attorney Generals Bureau of Consumer Protection. Please consider this a formal notification of my intention to escalate unless remedial steps are taken within 30 days. Additionally, I am requesting that XXXX  clarify whether the XX/XX/XXXX update to this account included changes to : Balance Account status Payment history Date of last activity Date opened Creditor name For each field, I request both the previous value and the new value. This data is essential to assess whether the update constituted a meaningful correction or simply a cosmetic adjustment with no effect on my creditworthiness.\n\nPlease also explain whether XXXX  attempted to verify the legitimacy of the underlying debt contract with the original creditor before updating the LVNV account. If the debt is alleged to originate with a now-defunct lender, or a creditor who no longer maintains original records, XXXX  is under heightened obligation to scrutinize the data before republishing it. If you are unable to obtain these original records, then the account should be deleted, not updated. The continued reporting of unverifiable, unvalidated information is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ). If XXXX records reflect that the LVNV tradeline was simply confirmed by the furnisher through an automated system, then this is legally insufficient. XXXX  must : 1. Independently verify the claim through documentation 2. Provide a full written MOV with named contacts 3. Suspend reporting during any extended reinvestigation period Failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n and subjects XXXX  to potential statutory and punitive damages.\n\nI now formally reiterate that any continued reporting of the LVNV Funding LLC tradeline, without verifiable documentary support and a complete MOV response, will be treated as willful negligence. I reserve all rights under FCRA 1681n and 1681o to pursue damages, including through private legal action and coordinated enforcement through CFPB. I also request confirmation that this dispute is now being escalated to XXXX  legal and executive dispute review teams for further handling due to the volume and seriousness of the legal claims asserted herein. This communication serves as both : 1. A Method of Verification ( MOV ) request under FCRA 1681i ( a ) 2. A formal complaint for filing with the Consumer Financial Protection Bureau 3. A record to be preserved for evidentiary purposes in any potential legal proceeding XXXX  is hereby placed on notice that future failure to meaningfully respond may be included in a pattern of disregard for federal consumer protection obligations. The burdens on your administrative staff are a natural consequence of systemic failure to provide adequate verification under law.\n\nIn addition to the above demands, I am requesting XXXX  full correspondence log for this dispute, including : Emails sent to or from LVNV Funding LLC regarding my file Notes entered by agents or automated systems Internal flags or status codes attached to my report Any comments, memos, or interdepartmental communications concerning this tradeline This information is necessary to evaluate whether XXXX  followed its own dispute-handling protocols, as well as those mandated by federal law and CFPB oversight.\n\nI am also requesting a statement of all policies, procedures, and training materials used by XXXX  personnel to evaluate disputes related to debt buyers such as LVNV Funding LLC. I request specific clarification on : 1. Whether XXXX  requires original creditor documentation to verify a debt 2. What constitutes sufficient documentation to validate a disputed item 3. Whether any reinvestigation took place beyond a single furnisher confirmation These elements go to the heart of whether XXXX  maintains reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\n\n\nIn accordance with the burden XXXX  places on consumers to verify identity when initiating disputes, I now place a symmetrical burden on XXXX  : please provide legally adequate documentationcomparable in evidentiary weight to a signed affidavitthat proves the accuracy of the LVNV tradeline and the completeness of your reinvestigation process.This demand is rooted in basic fairness and the principle that no consumer reporting agency should expect consumers to bear more evidentiary burden than it imposes upon its own furnishers. I also request XXXX  definition of the term updated as it appears in my file. This term is overly vague and fails to meet the statutory clarity requirements under 15 U.S.C. 1681g ( a ) ( 1 ). Please define : What does updated mean?\n\nWhat data fields were affected?\n\nWhat data values changed?\n\nWas any deletion or suppression involved?\n\nDid LVNV affirmatively initiate this update? \n\nIf XXXX  can not define updated with precision and evidence, then the label itself is misleading and potentially deceptive under FCRA and the Dodd-Frank Act. \n\n\nFurther, please confirm whether XXXX has ever received regulatory warnings, consent orders, or enforcement actions from the CFPB or other authorities related to its handling of LVNV Funding LLC data. If so, I request that you disclose the nature and outcome of such actions, along with documentation reflecting internal changes made in response.This is relevant because it speaks to whether XXXX  is operating under any compliance restrictions that may impact how it handles disputes involving debt buyers or third-party furnishers. In the interest of procedural transparency, I request the following additional data elements from your system : Dispute codes used internally ( numeric or alphanumeric ) Response codes returned by the furnisher The timestamp of each data transmission System used for the update ( e.g., e-OSCAR, XXXX  proprietary ) I also request any machine-readable XXXX  or XXXX  logs produced by your systems when processing my dispute. If XXXX  does not retain such logs, please confirm in writing and explain why such logs are not required or stored for audit purposes. \n\n\n\nXXXX continued reporting of unverifiable, unsupported data from debt buyers causes material harm. The presence of this tradeline adversely affects my creditworthiness and future access to housing, employment, and credit. In Cortez v. TransUnion, the court found that CRAs are liable for failing to go beyond automated confirmation when consumers raise detailed, fact-specific disputes. This is analogous to my case. Given this precedent, I assert that XXXX  decision to update the LVNV tradeline without full documentary verification and without providing me the MOV documentation constitutes a failure of due process and a legal injury. I reiterate that I am not merely requesting deletion on technical grounds, but rather on the basis that no lawful verification has occurred. The standard is not mere presence of a debt buyers data, but actual accuracy and verifiability of the content. XXXX  can not meet this standard unless it produces : A signed contract bearing my name Original creditor statements validating the amount Documentation of assignment to LVNV A complete accounting of fees, interest, and balances None of this has been provided in prior disputes. Therefore, the burden is on XXXX to either produce it now or cease reporting the entry. \n\n\nPlease also confirm whether XXXX  shares this LVNV tradeline with any affiliates, data aggregators, or scoring model providers ( e.g., XXXX, XXXX ). If so, what limitationsif anydoes XXXX  impose on how disputed data is shared during the reinvestigation period? I request a detailed accounting of all third-party access to my file since the LVNV Funding LLC account appeared, including : Date of access Entity name Permissible purpose Whether data was disputed at the time In closing this section, I again emphasize : the volume, specificity, and legal precision of this request are proportional to the failure of XXXX  to adequately explain or support its previous actions. If XXXX  can not or will not provide documentary verification as demanded under FCRA 1681i, then XXXX  must delete the LVNV tradeline immediately and notify all recipients of my file of this correction. I reserve the right to amend, supplement, or escalate this complaint, and I insist on written confirmation of XXXX actions in response to each enumerated demand. \nI now submit an expanded list of documents that XXXX  must furnish to fulfill its obligations under both the FCRA and general principles of fair consumer reporting. This list includes, but is not limited to : XXXX. All contracts, agreements, or records identifying LVNV Funding LLC as a data furnisher XXXX. All legal documents substantiating LVNVs ownership of the alleged debt XXXX. Any indemnification or liability disclaimers between XXXX and LVNV XXXX. A breakdown of how balances were calculated XXXX. Evidence of the date and method by which the account was charged off by the original creditor If XXXX  relies on summary data or generic confirmation templates to verify the account, this constitutes a failure under 15 U.S.C. 1681i.\n\nAdditionally, I demand copies of any internal quality control checklists or audit reports that reviewed this particular dispute. If no quality control was performed, I ask XXXX  to acknowledge this fact in writing. Further, I request confirmation of whether this tradeline has been subject to prior consumer disputes ( from other consumers ), regulatory inquiries, class action suits, or enforcement actions that would suggest a pattern of error or abuse related to LVNV Funding LLC data reporting. XXXX  should confirm whether it applied any suppression flags, fraud indicators, or dispute codes to this file at any point between the original reporting of the tradeline and the most recent update. If so, I demand the dates and reasons for such flags, and documentation of when they were removed or altered. If no suppression codes or dispute indicators were applied, despite my initiating a legally valid dispute, that raises questions about XXXX compliance with FCRAs reasonable procedures and dispute-handling obligations. To ensure XXXX  is acting in good faith and not systematically favoring furnishers over consumers, I request documentation of XXXX policies on : Dispute prioritization Reinvestigation timelines Conditions that trigger escalated manual review Definitions of terms like frivolous, duplicate, or verified Please also disclose whether LVNV Funding LLC has any preferred vendor, XXXX, or priority data transmission relationship with XXXX, and if so, how that affects dispute handling or verification. \n\n\nTo ensure transparency and accountability, I ask for a notarized attestation from an XXXX  compliance officer stating : That all verification procedures were followed That LVNV Funding LLC provided documentary evidence That no deletion was warranted under 1681i ( a ) ( 5 ) That this verification complies with FCRA and CFPB regulations If no such sworn statement can be made, XXXX  must immediately delete the LVNV tradeline and notify all third parties who received it in the past 24 months. \n\n\nIf XXXX  fails to respond with full documentation, I will : File this entire complaint with the CFPB Forward a copy to the Pennsylvania Attorney Generals Office Report the issue to the FTC Request congressional oversight for systemic CRA noncompliance Share this burden-based template with other judgment-proof consumers These actions are intended to expose XXXX  reliance on superficial verification procedures and its disregard for the consumer protections built into federal credit reporting law.\n\nI further assert that the lack of adequate MOV documentation may constitute a deceptive act or practice under the Dodd-Frank Act and subject XXXX  to potential CFPB enforcement actions. Your continued reliance on auto-confirmation from debt buyers is not only lazyit is dangerous and legally vulnerable. As outlined in CFPB enforcement guidance, CRAs that repeatedly fail to verify data with original documentation are at risk for enhanced scrutiny and fines. I will do everything in my power to ensure this complaint contributes to that regulatory pressure. Please also acknowledge receipt of this MOV demand in writing. I expect your full responsecomplete with attachments, procedural documentation, and a narrative explanation of XXXX verification processwithin 30 days of receipt. Your response must be formatted to match the numbered requests in this document for transparency and auditability. Do not substitute vague answers, verified as accurate boilerplate, or e-OSCAR response codes for substantive evidence. To emphasize again : this complaint is not submitted frivolously or in haste. It is the product of extensive legal research, documentation review, and first-hand experience with XXXX  evasive responses to legitimate disputes. I am judgment-proof, highly informed, and prepared to escalate. Your legal and regulatory exposure grows every time you ignore MOV obligations or offload dispute handling to automated systems incapable of legal reasoning. \n\n\nThis is the final page of my complaint. XXXX  has a legal and ethical obligation to correct or delete unverifiable data and to stop hiding behind vague updates that obscure the truth. If you choose not to comply, I will take further actionrepeatedly and persistentlyuntil full deletion is secured. Your obligation under the FCRA is clear : verify with documentation or delete the item.\n\nRespectfully submitted, XXXX XXXX XXXX","date_sent_to_company":"2025-07-30T18:14:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"179XX","tags":null,"has_narrative":true,"complaint_id":"14973488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-30T18:14:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["What exactly was <em>updated</em>? What data points were changed, corrected, or removed? If the dispute concluded <em>without</em> deletion, what evidence did XXXX  find persuasive in favor of the furnisher? Please itemize the alleged balance, date of delinquency, charge-off details, and date of last activity as they appeared before and after the <em>update</em>."]},"sort":[8.53304,"14973488"]},{"_index":"complaint-public-v1","_id":"13566005","_score":8.083828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate. I have reached out to the bureau multiple times, and they have not updated my accounts to reflect accurate information. Alleged Derogatory late payment deficient of REQUIRED PROOF OF \\nADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and \\ntheFCRA standards of reporting are certainly unlawful, unethical and \\nundoubtedly in clear infringement of my consumer and/or civil rights, making \\nyou liable upon my taking this matter to a civil court in my area for proper and \\nethical resolutions and awards of at least $1000+ per still unproven, untrue, \\ninaccurate, untimely, incomplete, or else wise not compliant item reported \\nthat is hereby now being challenged in writ composition. Legally a consumer \\ncomplaint notice in demand for a check for compliance and further irrefutable \\nevidence to such claim;\\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\\nPer Federal and my states reporting laws, you MUST \\nAFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. \\nLawfully certificate physically the creditor classification codes, the exact and \\ncomplete sequenced and METRO 2 data formatted 426 character P-6 \\nstatements as well as all of the applicable and requisite trailing fragments, the \\nminimally mandated five (5) portioned personal identifiers, every and one of \\nthe alpha -/ numeric-/and or the alphanumeric source codes that detail the \\nleft sidedness and or right sidedness of any and all precisely ordered recorded \\naccount descriptions, all aspects exactly and fully related to the sequenced 386 \\npieces of confirmation to collect(-tions), each calendar date recorded, every \\nalleged balance including the tallied total and invoices from which they were \\nderived, the documented legal and current color photographed identities, the \\nattested addresses, the non transported and true marks of execution from one \\nand only and exactly identified me upon an acknowledge of debt alleged or \\neven conditions related, as well as every single one even each and any or all \\nrequisite state and federal laws applicable, whether known or not, regardless if \\nmentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN \\nREPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF \\nFRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING \\nOF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO \\nANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE \\nCOMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU\\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal \\nwrit composed DECLARATION of Not Proven Compliant Misinformation that is \\nall or in part: DEFICIENT of adequate current status in fullness of TRUTH, \\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, \\ncertifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and \\nregulatory requisite compliant reporting thereby mandating your immediate \\nactions to rectify and remedy and any all infraction-ious behavior(s) by \\nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \\nCOMPLIANT METRO 2 data field formatted reporting!To be clear, you are \\nmandated by laws to eliminate every notation and or aspect of any and all \\nderogatory and adversary items from any and all alleged claims still yet \\nunproven to be true, correct, complete, timely, documented as being mine, \\ntestimonial to be of my responsibility, with FCRA compliance, and or CRSA \\nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \\nderogatory or potentially injurious reporting MUST be all of the \\naforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE \\ntestimonial of FACTs ensuring the physically verifiability of the CONFIRMED \\nmanual validation of any item upon a consumer complaint, such as is this \\nnotice here and now.Please RETURN to or retain federally lawful\\nreporting with your unwavering and unconditional annulment of every single \\none even each any and or all of the allegations accused of me deficient of \\nphysical evidence to every and all aspects of said claims, be them true or not. I \\nas of late received a duplicate of my credit report from your consumer credit \\nreporting agency -- WHICH BY THE WAY is self proclaimed as being not only \\nACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification \\nof your consumer credit reporting as DETAILED in the DESCRIPTION of eOSCAR (your web\\nbased automated verification process). YOUR EXACT e\\x02OSCAR definition (per XXXX  ) is that eOSCAR is a web\\x02based,Metro 2 compliant, automated system that enables \\nData Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and \\nrespond to consumer credit history disputes. CRAs include XXXX XXXXXXXX XXXXs and TransUnion, their affiliates or Independent Credit Bureaus and \\nMortgage Reporting Companies. e-OSCAR also provides for DFs to send \"outof- cycle\" credit\\nhistory updates to CRAs. The system primarily supports \\nAutomated Credit Dispute Verification (ACDV) and Automated Universal \\nDataform (AUD) processing as well as a number of related processes that \\nhandle registration, subscriber code management and reporting.\\nACDVs initiated by a CRA on behalf of a consumer are routed to the \\nappropriate Data Furnisher based on the CRA and subscriber code affiliations \\nindicated by the DF. The ACDV is returned to the initiating CRA with updated \\ninformation (if any) relating to the consumer\\'s credit history. If an account is \\nmodified or deleted, carbon copies are sent to each CRA with whom the DF \\nhas a reporting relationship. AUDs are initiated by the DF to process out-ofcycle credit history\\nupdates. The system is used to create the AUD and route it \\nto the appropriate CRA(s) based on subscriber codes specified by the DF in \\nthe AUD record. The e-OSCAR AUD process is intended to provide the CRA \\nwith a correction to a consumer\\'s file that must be handled outside of the \\nregular activity reporting cycle process. e- OSCAR may not be used to add or \\ncreate a record on a consumer\\'s file or as substitute for \"in-cycle\" reporting to \\nthe CRAs. Within the report I saw that there were late installments noted in \\nthe record history.Since I am somehow very defective in the matter as to the \\nHow ,WHEN, and WHY these late segments are notations within my credit \\nreport which is otherwise remarkable in creditworthiness!Puzzled,I am \\nenacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged \\ndata providers of these following notated UNPROVEN derogatory suggestions \\nof late payments to surrender to you and you to me an evaluated \\nproclamation of my record throughout the previous XXXX  years demonstrating \\nwhen the due date of the record was and when the installment was handled. \\nFurthermore, please require the accusing data provider to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation. As I am POSITIVE you are aware, as a injured consumer, \\nUNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask \\nfor any and all of the above and below DEMANDS under the terms of the Fair \\nCredit Billing Act of XXXX  (FCBA) As the OFFICIAL notice of my official writ \\ncomposed DECLARATION of Not Proven Compliant Misinformation that is \\neither or all of the following, YOU MUST ANNUL by REMOVAL of any \\nDEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or \\nan aspect of that account.PLEASE as you MUST, delete the foul misreportings \\nand display any and all of my accounts as being  PAID/PAYS as \\nAGREED,NEVER LATE and as nothing else:\\n1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX XXXX XXXX XXXX  Account Number: XXXX  Please correct/update this inaccurate information on my credit report.\\n2. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX  Account Number: XXXX  Please correct/update this inaccurate information on my credit report.\\n3. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX\\n Account Number: XXXX Please correct/update this inaccurate information on my credit report.\\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting \\nmust be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, \\nof known ownership and responsibility but also fully Metro 2 \\ncompliant.Provider Claims Late Payment yet has NOT PROVEN even the \\ncompliance of its reporting much less any aspect of determined truth of facts \\nelse wise required by obligatory regulations. As such, I demand evidence of \\nMetro 2 compliant reporting, true and accurate and complete reporting of \\nwhat is likely an allegation unfounded as it is DEFICIENT of adequate current \\nstatus in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \\ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \\ncompliant obligatory and regulatory requisite compliant reporting thereby \\nmandating your immediate actions to rectify and remedy and any all \\ninfraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, \\nCORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted \\nreporting! PLEASE ERADICATE any and all derogatory aspects of reporting and \\nat a minimum rectify the derelict reporting with the adequate statement of \\nPAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to \\nbe CORRECT and determine factually and in entirety that every aspect of \\ncurrent reporting is lawfully compliant, you MUST satisfy my demands!\\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to \\nevery and one even each any and or all of the client\\'s State\\'s and or the \\nfederal reporting laws MUST be returned to compliance even should that \\nrequisite annulment of item\\'s reporting. No entity is with authority to retain or \\nreport any allegations not DEMONSTRATED by certificate of FACT to be \\nfully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, \\nand or of a determined RESPONSIBILITY and the presentation of the \\ninformational evidence MUST BE IRREFUTABLE to be so.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to \\nreport or even once alleged adverse remark unproven upon a requested \\ncompliance check. You must Annul in brief, even right now and right here, by \\ncomplete and PERMANENT DELETION any or even one not irrefutable \\nallegation(s) deficient of physical composed writ certificate(s) in testimony of \\nthe exact and full truth, correctness, timeliness, completeness, ownership, \\nresponsibility, and or documented evidence of precise and willfulness to \\ncomply with every single one even any and or all of the requisite \\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal \\nreporting of any information, known or not. Attest now to the metro-2 \\nrequired truth, accuracy, fullness, timeliness, ownership, responsibility and or \\ncompliance(s) otherwise, whether mentioned or not. Ignorance of obligations \\nto compliant reporting is NOT lawful exoneration of your responsibility to \\n100% accurate, true, and metro-2 compliant data formatted reporting \\nregulations of which you are obligated. Federal laws allow me to compel you \\nto retain and or return adequate accountability. Failure or unwillingness to do \\nso might be remedied and rectified in my favor per monetary compensation \\nfor your infringements of my civil and or consumer rights and violations of the \\nlaws required of you. Right now demonstrate to me any and all applicable \\nmetro-2 reporting mandates including but not limited to every date and \\nbalance, each calculation and audit, the invoices and documented current \\nidentities, every notation not to forget the five (5) portioned personal \\nidentifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric \\nsource codes, every applicable creditor classification code(s), the 3 applicable \\nand precise sequenced 386 pieces of confirmation to collect(-ions) or any \\nobligation else-wise. Return or Retain federally required compliance with your \\nimmediate and dull eradication of any and one of the adverse and or \\nderogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let \\nthis notice of my official writ composed DECLARATION of Not Proven \\nCompliant Misinformation that is either or all of the following: DEFICIENT of \\nadequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, \\nTIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or \\notherwise irrefutable compliant obligatory and regulatory requisite compliant \\nreporting thereby mandating your immediate actions to rectify and remedy \\nand any all infraction-ious behavior(s) by retaining or returning to \\nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 \\ndata field formatted reporting! Please provide me with all of the information \\nyou used for your investigation, as required by FCRA 611 (a) (7).Please reply \\nwithin 10 days or delete the negative items, as originally requested. If you FAIL \\nto respond to this demand and tort notification, your firm will be added to the \\npending action as complicit in this data breach of my personal information.\\n1. Tell me in writing what information you refuse to remove and why.\\n2. Tell me in writing what you did to determine that the information \\nwas accurate.\\n3. Note the information as disputed BY the CONSUMER on my credit \\nreport\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \\nrequired by federal law to verify - through the physical verification of the \\noriginal signed consumer contract - any and all accounts you post on a credit \\nreport. Otherwise, anyone paying for your reporting services could fax, mail or \\nemail in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \\nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from \\nmy credit record within 30 days. During the investigation period, these items \\nmust be removed from my credit report as the mere reporting of items prior \\nto debt validation constitutes collection activity. I am also requesting the \\nnames, addresses and telephone numbers of individuals you contacted during \\nyour investigation.\\nPlease notify me that the above items have been deleted pursuant to  611\\n(a)(6) [15 USC  1681j (a) (6)]. I am also requesting an updated copy of my \\ncredit report, which should be sent to the address listed below. According to \\nthe provisions of  612 [15 USC  1681j], there should be no charge for this \\nreport. If you have any questions or need additional information, please \\ncontact me at address noted below. I think 15-20 Days should be ample \\nenough time to get this completed since this is my NOT my first time \\ncontacting your organization.\\nFurther, CONFIRM the five key components of our individual identities in case \\nthis data breach becomes yet another case potentially leading to my inclusion \\nas a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, \\nparticularly that of personal identifiers. Therefore, I must request that your \\nbureau confirm in writing the following personal information:\\n1- FULL LEGAL NAME as it Appears on my Credit report\\n2- Legal Address of Record\\n3- SSN # (or redacted last 4 digits)\\n4- Date of Birth\\n5- Zip Code for my Home Address\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the\\nprecise and exact fully complete 426-character P-Segment or Trailing Segment \\nthat is to include the minimally five portioned PERSONAL IDENTIFIERS to \\nwhich databasing of alleged trade-line information occurs.Per CRSA, autopopulating ANY data\\nfield input entry and or application of Slash Entries (such \\nas XXXX  or 00000, etc) into the Metro 2 system is automatic call for deletion \\ndue to any and all repeating entry as NULL and VOID. Moreover, the \\nregulatory obligation dictates that any and all data furnishers MUST include an \\nattached XXXX XXXX  that absolutely accurately and completely \\nincludes ALL of the account of allegation(s) specifics!Must be performed in a \\XXXX XXXX XXXX  to be lawful.Per CRSA implementation, if a \\ndata furnisher fails to respond within 20 calendar days, e-Oscar is to \\nterminate challenge in favor of consumers and or auto-escalate any and all \\nconsumer complaints to a certified Metro 2 compliance trained SPECIALIST. \\nBeing Phase III of the Implementation of the CRSA,XXXX  auto-responders \\nare not compliant and unlawful if used by furnishers or accepted by \\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer\\'s FULL \\nP-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \\nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data \\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit \\nreporting is the REQUISITE technical accuracy in EVERY single item retained \\nand or reported to or by any consumer credit reporting agency. Metro 2 \\ncompliance requires exacting P-segment, to include the minimal five(5) \\nportion personal identifiers as well as a PRECISELY and COMPLETELY FULL \\naccount trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE \\nSpecialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. \\nFurther, this qualifying certification can be REVOLVED by CONSUMER \\nCOMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and \\nor report any claim of information, be it an account or any aspect of such, the \\nmust be irrefutable fullness in the truth of reporting, correctness of reporting, \\nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \\nallegations, undoubtable ownership, irrefutable responsibility of adverse \\nclaims, and or adequate and complete INFORMATIONAL COMPLIANCE to the \\nCRSA enacted CDIA Metro 2 data field formatted reporting regulatory \\nstandards and obligations to include the 81-month time relevance of account \\nreported/ how reported/when reported,PRESENT and RELEVANT PERSONAL \\nIDENTIFIERS.Further lawful reporting demands that the regulatory compliance \\nrules are applied EVENLY and thoroughly from data provider to consumer \\ncredit reporting repository.Accuracy and completeness of all of any and all \\ninformation, particularly derogatory consumer information, must abide by \\nevery and one of current MY states reporting regulations as well as those of \\nfederal laws ,even the CDIA METRO 2 COMPLIANCE standards due to the \\nimplementation of the Credit Reporting Settlement Agreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-\\ncharacter P-SEGMENT true, correct, and complete to standards of \\nCERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and \\napplicable VALIDATION of the claimed reported CREDITOR \\nCLASSIFICATION CODES, or eradicate every single one and each any and all \\nof the adversary derogatory accusations injuring me \\nimmediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet \\nunproven to be my responsibility or fault. Please demonstrate readily and \\ntimely the precise confirming facts of the alleged account including every\\nsingle one even each any and or all of its article aspects by federal laws. You \\nmust willfully and promptly DELETE TODAY even right now the deficient \\nreporting or else present to me true documented certificated proof of all data, \\nevery notation, date, balance, calculation, audit, personal identifiers, each of \\nthe requisite 426-characters of the exact and fully compliant P6 statement, any \\nalpha/numeric and or alphanumeric source4 code deciding the leftness or \\nrightness states, and even every aspect of the mandated 386 pieces of \\nconfirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and \\ncomplete failure by your firm to obtain, retain, maintain, and utilize adequate \\nand lawful regulatory compliant and reasonable procedures to assure \\nmaximum possible accuracy of consumer credit information as described in at \\nleast 15 U.S.C.  1681. There is little doubt that you have no evidence that this \\nclearly does belong to me, is exactly true, fully complete, within timely \\ndefinition per federal standards and has been erroneously placed onto my \\ncredit report. The items of problematic accusations that I believe to be \\nincorrect to its proper reporting and allowance of reporting per my state and \\nfederal laws are detailed both above and below.\\nYour failure to demonstrate the REQUIRED presentation of \\ncomposed PROOF as demanded in this declaration would compel me to \\nconsult my consumer complaint lawfully to the members of the XXXX  as \\nundoubtedly reporting not only must be true, timely, and accurate but also in \\nits COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all \\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of \\nreporting compliance implemented with the CRSA enacted CDIA Metro 2 \\nCOMPLIANCE regulations, I demand that these above mentioned derogatory \\nitems be investigated and permanently removed from my report. It is my \\nunderstanding that you will recheck these items with the creditor who has \\nposted them. Please remove any information that the creditor cannot verify. I \\nunderstand that under 15 U.S.C. Sec. 1681i(a), you must complete this \\nreinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. \\nAccording to the act, there shall be no charge for this updated report. I also \\nrequest that you please send notices of corrections to anyone who received \\nmy credit report in the past XXXX  months.\\nThank you for your time and help in this matter.\\nSincerelyXXXX XXXX XXXX","date_sent_to_company":"2025-05-17T20:31:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"13566005","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T20:27:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\nFurthermore, please <em>require</em> the accusing data <em>provider</em> to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation."]},"sort":[8.083828,"13566005"]},{"_index":"complaint-public-v1","_id":"13565755","_score":8.055319,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate. I have reached out to the bureau multiple times, and they have not updated my accounts to reflect accurate information. Alleged Derogatory late payment deficient of REQUIRED PROOF OF \\nADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and \\ntheFCRA standards of reporting are certainly unlawful, unethical and \\nundoubtedly in clear infringement of my consumer and/or civil rights, making \\nyou liable upon my taking this matter to a civil court in my area for proper and \\nethical resolutions and awards of at least $1000+ per still unproven, untrue, \\ninaccurate, untimely, incomplete, or else wise not compliant item reported \\nthat is hereby now being challenged in writ composition. Legally a consumer \\ncomplaint notice in demand for a check for compliance and further irrefutable \\nevidence to such claim;\\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\\nPer Federal and my states reporting laws, you MUST \\nAFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. \\nLawfully certificate physically the creditor classification codes, the exact and \\ncomplete sequenced and METRO 2 data formatted 426 character P-6 \\nstatements as well as all of the applicable and requisite trailing fragments, the \\nminimally mandated five (5) portioned personal identifiers, every and one of \\nthe alpha -/ numeric-/and or the alphanumeric source codes that detail the \\nleft sidedness and or right sidedness of any and all precisely ordered recorded \\naccount descriptions, all aspects exactly and fully related to the sequenced 386 \\npieces of confirmation to collect(-tions), each calendar date recorded, every \\nalleged balance including the tallied total and invoices from which they were \\nderived, the documented legal and current color photographed identities, the \\nattested addresses, the non transported and true marks of execution from one \\nand only and exactly identified me upon an acknowledge of debt alleged or \\neven conditions related, as well as every single one even each and any or all \\nrequisite state and federal laws applicable, whether known or not, regardless if \\nmentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN \\nREPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF \\nFRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING \\nOF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO \\nANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE \\nCOMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU\\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal \\nwrit composed DECLARATION of Not Proven Compliant Misinformation that is \\nall or in part: DEFICIENT of adequate current status in fullness of TRUTH, \\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, \\ncertifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and \\nregulatory requisite compliant reporting thereby mandating your immediate \\nactions to rectify and remedy and any all infraction-ious behavior(s) by \\nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \\nCOMPLIANT METRO 2 data field formatted reporting!To be clear, you are \\nmandated by laws to eliminate every notation and or aspect of any and all \\nderogatory and adversary items from any and all alleged claims still yet \\nunproven to be true, correct, complete, timely, documented as being mine, \\ntestimonial to be of my responsibility, with FCRA compliance, and or CRSA \\nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \\nderogatory or potentially injurious reporting MUST be all of the \\naforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE \\ntestimonial of FACTs ensuring the physically verifiability of the CONFIRMED \\nmanual validation of any item upon a consumer complaint, such as is this \\nnotice here and now.Please RETURN to or retain federally lawful\\nreporting with your unwavering and unconditional annulment of every single \\none even each any and or all of the allegations accused of me deficient of \\nphysical evidence to every and all aspects of said claims, be them true or not. I \\nas of late received a duplicate of my credit report from your consumer credit \\nreporting agency -- WHICH BY THE WAY is self proclaimed as being not only \\nACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification \\nof your consumer credit reporting as DETAILED in the DESCRIPTION of eOSCAR (your web\\nbased automated verification process). YOUR EXACT e\\x02OSCAR definition (per XXXX  ) is that eOSCAR is a web\\x02based,Metro 2 compliant, automated system that enables \\nData Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and \\nrespond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX XXXX XXXX, their affiliates or Independent Credit Bureaus and \\nMortgage Reporting Companies. e-OSCAR also provides for DFs to send \"outof- cycle\" credit\\nhistory updates to CRAs. The system primarily supports \\nAutomated Credit Dispute Verification (ACDV) and Automated Universal \\nDataform (AUD) processing as well as a number of related processes that \\nhandle registration, subscriber code management and reporting.\\nACDVs initiated by a CRA on behalf of a consumer are routed to the \\nappropriate Data Furnisher based on the CRA and subscriber code affiliations \\nindicated by the DF. The ACDV is returned to the initiating CRA with updated \\ninformation (if any) relating to the consumer\\'s credit history. If an account is \\nmodified or deleted, carbon copies are sent to each CRA with whom the DF \\nhas a reporting relationship. AUDs are initiated by the DF to process out-ofcycle credit history\\nupdates. The system is used to create the AUD and route it \\nto the appropriate CRA(s) based on subscriber codes specified by the DF in \\nthe AUD record. The e-OSCAR AUD process is intended to provide the CRA \\nwith a correction to a consumer\\'s file that must be handled outside of the \\nregular activity reporting cycle process. e- OSCAR may not be used to add or \\ncreate a record on a consumer\\'s file or as substitute for \"in-cycle\" reporting to \\nthe CRAs. Within the report I saw that there were late installments noted in \\nthe record history.Since I am somehow very defective in the matter as to the \\nHow ,WHEN, and WHY these late segments are notations within my credit \\nreport which is otherwise remarkable in creditworthiness!Puzzled,I am \\nenacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged \\ndata providers of these following notated UNPROVEN derogatory suggestions \\nof late payments to surrender to you and you to me an evaluated \\nproclamation of my record throughout the previous XXXX  years demonstrating \\nwhen the due date of the record was and when the installment was handled. \\nFurthermore, please require the accusing data provider to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation. As I am POSITIVE you are aware, as a injured consumer, \\nUNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask \\nfor any and all of the above and below DEMANDS under the terms of the Fair \\nCredit Billing Act of XXXX  (FCBA) As the OFFICIAL notice of my official writ \\ncomposed DECLARATION of Not Proven Compliant Misinformation that is \\neither or all of the following, YOU MUST ANNUL by REMOVAL of any \\nDEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or \\nan aspect of that account.PLEASE as you MUST, delete the foul misreportings \\nand display any and all of my accounts as being  PAID/PAYS as \\nAGREED,NEVER LATE and as nothing else:\\n1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX XXXX XXXX XXXX Account Number: XXXX Please correct/update this inaccurate information on my credit report.\\n2. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX Account Number: XXXX Please correct/update this inaccurate information on my credit report.\\n3. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX  Account Number: XXXX Please correct/update this inaccurate information on my credit report.\\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting \\nmust be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, \\nof known ownership and responsibility but also fully Metro 2 \\ncompliant.Provider Claims Late Payment yet has NOT PROVEN even the \\ncompliance of its reporting much less any aspect of determined truth of facts \\nelse wise required by obligatory regulations. As such, I demand evidence of \\nMetro 2 compliant reporting, true and accurate and complete reporting of \\nwhat is likely an allegation unfounded as it is DEFICIENT of adequate current \\nstatus in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \\ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \\ncompliant obligatory and regulatory requisite compliant reporting thereby \\nmandating your immediate actions to rectify and remedy and any all \\ninfraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, \\nCORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted \\nreporting! PLEASE ERADICATE any and all derogatory aspects of reporting and \\nat a minimum rectify the derelict reporting with the adequate statement of \\nPAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to \\nbe CORRECT and determine factually and in entirety that every aspect of \\ncurrent reporting is lawfully compliant, you MUST satisfy my demands!\\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to \\nevery and one even each any and or all of the client\\'s State\\'s and or the \\nfederal reporting laws MUST be returned to compliance even should that \\nrequisite annulment of item\\'s reporting. No entity is with authority to retain or \\nreport any allegations not DEMONSTRATED by certificate of FACT to be \\nfully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, \\nand or of a determined RESPONSIBILITY and the presentation of the \\ninformational evidence MUST BE IRREFUTABLE to be so.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to \\nreport or even once alleged adverse remark unproven upon a requested \\ncompliance check. You must Annul in brief, even right now and right here, by \\ncomplete and PERMANENT DELETION any or even one not irrefutable \\nallegation(s) deficient of physical composed writ certificate(s) in testimony of \\nthe exact and full truth, correctness, timeliness, completeness, ownership, \\nresponsibility, and or documented evidence of precise and willfulness to \\ncomply with every single one even any and or all of the requisite \\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal \\nreporting of any information, known or not. Attest now to the metro-2 \\nrequired truth, accuracy, fullness, timeliness, ownership, responsibility and or \\ncompliance(s) otherwise, whether mentioned or not. Ignorance of obligations \\nto compliant reporting is NOT lawful exoneration of your responsibility to \\n100% accurate, true, and metro-2 compliant data formatted reporting \\nregulations of which you are obligated. Federal laws allow me to compel you \\nto retain and or return adequate accountability. Failure or unwillingness to do \\nso might be remedied and rectified in my favor per monetary compensation \\nfor your infringements of my civil and or consumer rights and violations of the \\nlaws required of you. Right now demonstrate to me any and all applicable \\nmetro-2 reporting mandates including but not limited to every date and \\nbalance, each calculation and audit, the invoices and documented current \\nidentities, every notation not to forget the five (5) portioned personal \\nidentifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric \\nsource codes, every applicable creditor classification code(s), the 3 applicable \\nand precise sequenced 386 pieces of confirmation to collect(-ions) or any \\nobligation else-wise. Return or Retain federally required compliance with your \\nimmediate and dull eradication of any and one of the adverse and or \\nderogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let \\nthis notice of my official writ composed DECLARATION of Not Proven \\nCompliant Misinformation that is either or all of the following: DEFICIENT of \\nadequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, \\nTIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or \\notherwise irrefutable compliant obligatory and regulatory requisite compliant \\nreporting thereby mandating your immediate actions to rectify and remedy \\nand any all infraction-ious behavior(s) by retaining or returning to \\nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 \\ndata field formatted reporting! Please provide me with all of the information \\nyou used for your investigation, as required by FCRA 611 (a) (7).Please reply \\nwithin 10 days or delete the negative items, as originally requested. If you FAIL \\nto respond to this demand and tort notification, your firm will be added to the \\npending action as complicit in this data breach of my personal information.\\n1. Tell me in writing what information you refuse to remove and why.\\n2. Tell me in writing what you did to determine that the information \\nwas accurate.\\n3. Note the information as disputed BY the CONSUMER on my credit \\nreport\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \\nrequired by federal law to verify - through the physical verification of the \\noriginal signed consumer contract - any and all accounts you post on a credit \\nreport. Otherwise, anyone paying for your reporting services could fax, mail or \\nemail in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \\nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from \\nmy credit record within 30 days. During the investigation period, these items \\nmust be removed from my credit report as the mere reporting of items prior \\nto debt validation constitutes collection activity. I am also requesting the \\nnames, addresses and telephone numbers of individuals you contacted during \\nyour investigation.\\nPlease notify me that the above items have been deleted pursuant to  611\\n(a)(6) [15 USC  1681j (a) (6)]. I am also requesting an updated copy of my \\ncredit report, which should be sent to the address listed below. According to \\nthe provisions of  612 [15 USC  1681j], there should be no charge for this \\nreport. If you have any questions or need additional information, please \\ncontact me at address noted below. I think 15-20 Days should be ample \\nenough time to get this completed since this is my NOT my first time \\ncontacting your organization.\\nFurther, CONFIRM the five key components of our individual identities in case \\nthis data breach becomes yet another case potentially leading to my inclusion \\nas a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, \\nparticularly that of personal identifiers. Therefore, I must request that your \\nbureau confirm in writing the following personal information:\\n1- FULL LEGAL NAME as it Appears on my Credit report\\n2- Legal Address of Record\\n3- SSN # (or redacted last 4 digits)\\n4- Date of Birth\\n5- Zip Code for my Home Address\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the\\nprecise and exact fully complete 426-character P-Segment or Trailing Segment \\nthat is to include the minimally five portioned PERSONAL IDENTIFIERS to \\nwhich databasing of alleged trade-line information occurs.Per CRSA, autopopulating ANY data\\nfield input entry and or application of Slash Entries (such \\nas XXXX  or 00000, etc) into the Metro 2 system is automatic call for deletion \\ndue to any and all repeating entry as NULL and VOID. Moreover, the \\nregulatory obligation dictates that any and all data furnishers MUST include an \\nattached XXXX XXXX that absolutely accurately and completely \\nincludes ALL of the account of allegation(s) specifics!Must be performed in a \\nREAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a \\ndata furnisher fails to respond within 20 calendar days, e-Oscar is to \\nterminate challenge in favor of consumers and or auto-escalate any and all \\nconsumer complaints to a certified Metro 2 compliance trained SPECIALIST. \\nBeing Phase III of the Implementation of the CRSA,XXXX  auto-responders \\nare not compliant and unlawful if used by furnishers or accepted by \\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer\\'s FULL \\nP-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \\nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data \\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit \\nreporting is the REQUISITE technical accuracy in EVERY single item retained \\nand or reported to or by any consumer credit reporting agency. Metro 2 \\ncompliance requires exacting P-segment, to include the minimal five(5) \\nportion personal identifiers as well as a PRECISELY and COMPLETELY FULL \\naccount trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE \\nSpecialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. \\nFurther, this qualifying certification can be REVOLVED by CONSUMER \\nCOMPLAINTS per the XXXX  Signing Statement.I repeat, to lawfully retain and \\nor report any claim of information, be it an account or any aspect of such, the \\nmust be irrefutable fullness in the truth of reporting, correctness of reporting, \\nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \\nallegations, undoubtable ownership, irrefutable responsibility of adverse \\nclaims, and or adequate and complete INFORMATIONAL COMPLIANCE to the \\nCRSA enacted CDIA Metro 2 data field formatted reporting regulatory \\nstandards and obligations to include the 81-month time relevance of account \\nreported/ how reported/when reported,PRESENT and RELEVANT PERSONAL \\nIDENTIFIERS.Further lawful reporting demands that the regulatory compliance \\nrules are applied EVENLY and thoroughly from data provider to consumer \\ncredit reporting repository.Accuracy and completeness of all of any and all \\ninformation, particularly derogatory consumer information, must abide by \\nevery and one of current MY states reporting regulations as well as those of \\nfederal laws ,even the CDIA METRO 2 COMPLIANCE standards due to the \\nimplementation of the Credit Reporting Settlement Agreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-\\ncharacter P-SEGMENT true, correct, and complete to standards of \\nCERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and \\napplicable VALIDATION of the claimed reported CREDITOR \\nCLASSIFICATION CODES, or eradicate every single one and each any and all \\nof the adversary derogatory accusations injuring me \\nimmediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet \\nunproven to be my responsibility or fault. Please demonstrate readily and \\ntimely the precise confirming facts of the alleged account including every\\nsingle one even each any and or all of its article aspects by federal laws. You \\nmust willfully and promptly DELETE TODAY even right now the deficient \\nreporting or else present to me true documented certificated proof of all data, \\nevery notation, date, balance, calculation, audit, personal identifiers, each of \\nthe requisite 426-characters of the exact and fully compliant P6 statement, any \\nalpha/numeric and or alphanumeric source4 code deciding the leftness or \\nrightness states, and even every aspect of the mandated 386 pieces of \\nconfirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and \\ncomplete failure by your firm to obtain, retain, maintain, and utilize adequate \\nand lawful regulatory compliant and reasonable procedures to assure \\nmaximum possible accuracy of consumer credit information as described in at \\nleast 15 U.S.C.  1681. There is little doubt that you have no evidence that this \\nclearly does belong to me, is exactly true, fully complete, within timely \\ndefinition per federal standards and has been erroneously placed onto my \\ncredit report. The items of problematic accusations that I believe to be \\nincorrect to its proper reporting and allowance of reporting per my state and \\nfederal laws are detailed both above and below.\\nYour failure to demonstrate the REQUIRED presentation of \\ncomposed PROOF as demanded in this declaration would compel me to \\nconsult my consumer complaint lawfully to the members of the XXXX  as \\nundoubtedly reporting not only must be true, timely, and accurate but also in \\nits COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all \\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of \\nreporting compliance implemented with the CRSA enacted CDIA Metro 2 \\nCOMPLIANCE regulations, I demand that these above mentioned derogatory \\nitems be investigated and permanently removed from my report. It is my \\nunderstanding that you will recheck these items with the creditor who has \\nposted them. Please remove any information that the creditor cannot verify. I \\nunderstand that under 15 U.S.C. Sec. 1681i(a), you must complete this \\nreinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. \\nAccording to the act, there shall be no charge for this updated report. I also \\nrequest that you please send notices of corrections to anyone who received \\nmy credit report in the past six months.\\nThank you for your time and help in this matter.\\nSincerelyXXXX XXXX XXXX","date_sent_to_company":"2025-05-17T20:27:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"13565755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-17T20:23:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\nFurthermore, please <em>require</em> the accusing data <em>provider</em> to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation."]},"sort":[8.055319,"13565755"]},{"_index":"complaint-public-v1","_id":"7438951","_score":7.982797,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX  Date of Birth: XXXX\nSS#:XXXX\nXXXX  Equifax Information Services LLC\nXXXX XXXX XXXX XXXX, GA XXXX\nThis letter is to inform you that I recently received a copy of my credit report that \nyour company publishes and after reviewing it I found a number of items on the \nreport that are inaccurate. The accounts in question are listed below. Please send me \ncopies of the documents that you have in your files as of this date that you used to \nverify the accuracy of the accounts listed below.\nUnder the Fair Credit Reporting Act, 15 U.S.C.  1681g I have the right to demand that \nyou disclose to me all of the documents that you have recorded and retained in your file \nat the time of this request concerning the accounts that you are reporting in my credit \nreport. Please dont respond to my request by saying that these accounts have been \nverified. Send me copies of the documents that you have in your files that were used to \nverify them. If you do not have any documentation in your files to verify the accuracy of \nthese disputed accounts then please delete them immediately as required under Section \n611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report \nand distributing them to 3rd parties you are damaging my reputation and credit \nworthiness.\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\nPer Federal and my states reporting laws, you MUST XXXX and CONFIRM any \nand ALL allegations of claims yet still unproven. Lawfully certificate physically the \ncreditor classification codes, the exact and complete sequenced and METRO 2 data \nformatted 426 character P-6 statements as well as all of the applicable and requisite \ntrailing fragments, the minimally mandated five (5) portioned personal identifiers, every \nand one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the \nleft sidedness and or right sidedness of any and all precisely ordered recorded account \ndescriptions, all aspects exactly and fully related to the sequenced 386 pieces of \nconfirmation to collect(-tions), each calendar date recorded, every alleged balance \nincluding the tallied total and invoices from which they were derived, the documented \nlegal and current color photographed identities, the attested addresses, the non \ntransported and true marks of execution from one and only and exactly identified me \nupon an acknowledge of debt alleged or even conditions related, as well as every single \none even each and any or all requisite state and federal laws applicable, whether known \nor not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND \nOR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY \nENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS \nMISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO \nCOMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF \nYOU\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is all or in \npart: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, \nCOMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable \nRESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory \nrequisite compliant reporting thereby mandating your immediate actions to rectify and \nremedy and any all infraction-ious behavior(s) by retaining or returning to \nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data \nfield formatted reporting!To be clear, you are mandated by laws to eliminate every \nnotation and or aspect of any and all derogatory and adversary items from any and all \nalleged claims still yet unproven to be true, correct, complete, timely, documented as \nbeing mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA \nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \nderogatory or potentially injurious reporting MUST be all of the aforementioned and \ncan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs \nensuring the physically verifiability of the CONFIRMED manual validation of any item \nupon a consumer complaint, such as is this notice here and now.Please RETURN to or \nretain federally lawful reporting with your unwavering and unconditional annulment of \nevery single one even each any and or all of the allegations accused of me deficient of \nphysical evidence to every and all aspects of said claims, be them true or not. I as of late \nreceived a duplicate of my credit report from your consumer credit reporting agency --\nWHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE \nbut also METRO 2 COMPLIANT in the verification of your consumer credit reporting as \nDETAILED in the DESCRIPTION of XXXX (your web based automated verification \nprocess). YOUR EXACT XXXX definition (per XXXX  ) is that e-OSCAR is a web-based,Metro 2 compliant, automated \nsystem that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to \ncreate and respond to consumer credit history disputes. CRAs include Equifax, \nXXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and \nMortgage Reporting Companies. XXXX also provides for DFs to send \"out-of- cycle\" \ncredit history updates to CRAs. The system primarily supports Automated Credit \nDispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as \nwell as a number of related processes that handle registration, subscriber code \nmanagement and reporting.\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data \nFurnisher based on the CRA and subscriber code affiliations indicated by the DF. The\nACDV is returned to the initiating CRA with updated information (if any) relating to the \nconsumer's credit history. If an account is modified or deleted, carbon copies are sent to \neach CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF \nto process out-of-cycle credit history updates. The system is used to create the AUD and \nroute it to the appropriate CRA(s) based on subscriber codes specified by the DF in the \nAUD record. The XXXX AUD process is intended to provide the CRA with a \ncorrection to a consumer's file that must be handled outside of the regular activity \nreporting cycle process. XXXX XXXX may not be used to add or create a record on a \nconsumer's file or as substitute for \"in-cycle\" reporting to the CRAs. Within the report I \nsaw that there were late installments noted in the record history.Since I am somehow \nvery defective in the matter as to the How ,WHEN, and WHY these late segments are \nnotations within my credit report which is otherwise remarkable in \ncreditworthiness!Puzzled,I am enacting my rights to COMPEL you, as REQUIRED, to \nMANDATE the alleged data providers of these following notated UNPROVEN \nderogatory suggestions of late payments to surrender to you and you to me an evaluated \nproclamation of my record throughout the previous 2 years demonstrating when the due \ndate of the record was and when the installment was handled. Furthermore, please \nrequire the accusing data provider to present their most upgraded Terms of Service \nAgreement that that outlines payment reconciliation. As I am POSITIVE you are aware, \nas a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and \ncivil rights to ask for any and all of the above and below DEMANDS under the terms of \nthe Fair Credit Billing Act of 1975 (FCBA) As the OFFICIAL notice of my official writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is either or all \nof the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or \nADVERSE and yet UNPROVEN claims be it an account or an aspect of that \naccount.PLEASE as you MUST, delete the foul misreportings and display any and all of \nmy accounts as being  PAID/PAYS as AGREED,NEVER LATE and as nothing else:\n1. You are in violation of 15 USC 1681 Misleading False Reporting this account is \nnegligently and inaccurately reporting failing to comply. XXXX XXXX XXXX XXXX\n Account Number: XXXX\n Under 15 U.S Code 1681a(2)(A)(i) No transaction should be included in a credit \nreport I demand you to remove this account.\n2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I \nam not participating in the collection of this alleged debt. Cease and desist asap.\n XXXX\n Account Number: XXXX\n Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I \ndemand you to remove this account.\n3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I \nam not participating in the collection of this alleged debt. Cease and desist asap.\n XXXX   Account Number: XXXX\n Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I \ndemand you to remove this account.\n4. I was NEVER late paying this account\n XXXX XXXX XXXX\n Account Number: XXXX\n Under 15 USC 1666B, I demand you to update the payment record in this \naccount.\n5. The inquiry was not authorized\n XXXX\n Date of inquiry: XXXX\n Please remove it from my credit report.\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting must be \ndeleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known \nownership and responsibility but also fully Metro 2 compliant.Provider Claims Late \nPayment yet has NOT PROVEN even the compliance of its reporting much less any \naspect of determined truth of facts else wise required by obligatory regulations. As such, \nI demand evidence of Metro 2 compliant reporting, true and accurate and complete \nreporting of what is likely an allegation unfounded as it is DEFICIENT of adequate \ncurrent status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \ncompliant obligatory and regulatory requisite compliant reporting thereby mandating \nyour immediate actions to rectify and remedy and any all infraction-ious behavior(s) by \nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \nCOMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and \nall derogatory aspects of reporting and at a minimum rectify the derelict reporting with \nthe adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can \ndocument this NOT to be CORRECT and determine factually and in entirety that every \naspect of current reporting is lawfully compliant, you MUST satisfy my demands!\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every \nand one even each any and or all of the client's State's and or the federal reporting laws \nMUST be returned to compliance even should that requisite annulment of item's \nreporting. No entity is with authority to retain or report any allegations not \nDEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE,\nTimely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and \nthe presentation of the informational evidence MUST BE IRREFUTABLE to be so.\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even \nonce alleged adverse remark unproven upon a requested compliance check. You must \nAnnul in brief, even right now and right here, by complete and PERMANENT \nDELETION any or even one not irrefutable allegation(s) deficient of physical \ncomposed writ certificate(s) in testimony of the exact and full truth, correctness, \ntimeliness, completeness, ownership, responsibility, and or documented evidence of \nprecise and willfulness to comply with every single one even any and or all of the \nrequisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal \nreporting of any information, known or not. Attest now to the metro-2 required truth, \naccuracy, fullness, timeliness, ownership, responsibility and or compliance(s) otherwise, \nwhether mentioned or not. Ignorance of obligations to compliant reporting is NOT \nlawful exoneration of your responsibility to 100% accurate, true, and metro-2 compliant \ndata formatted reporting regulations of which you are obligated. Federal laws allow me \nto compel you to retain and or return adequate accountability. Failure or unwillingness \nto do so might be remedied and rectified in my favor per monetary compensation for \nyour infringements of my civil and or consumer rights and violations of the laws \nrequired of you. Right now demonstrate to me any and all applicable metro-2 reporting \nmandates including but not limited to every date and balance, each calculation and \naudit, the invoices and documented current identities, every notation not to forget the \nfive (5) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ \nand or alphanumeric source codes, every applicable creditor classification code(s), the 3 \napplicable and precise sequenced 386 pieces of confirmation to collect(-ions) or any \nobligation else-wise. Return or Retain federally required compliance with your \nimmediate and dull eradication of any and one of the adverse and or derogatory claims \nor any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is either or all \nof the following: DEFICIENT of adequate current status in fullness of TRUTH, \nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable \nRESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory \nrequisite compliant reporting thereby mandating your immediate actions to rectify and \nremedy and any all infraction-ious behavior(s) by retaining or returning to \nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data \nfield formatted reporting! Please provide me with all of the information you used for \nyour investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete \nthe negative items, as originally requested. If you FAIL to respond to this demand and \ntort notification, your firm will be added to the pending action as complicit in this data \nbreach of my personal information.\n1. Tell me in writing what information you refuse to remove and why.\n2. Tell me in writing what you did to determine that the information was \naccurate.\n3. Note the information as disputed BY the CONSUMER on my credit \nreport\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \nrequired by federal law to verify - through the physical verification of the original \nsigned consumer contract - any and all accounts you post on a credit report. \nOtherwise, anyone paying for your reporting services could fax, mail or email in even \na potentially fraudulent account.\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit \nrecord within 30 days. During the investigation period, these items must be removed \nfrom my credit report as the mere reporting of items prior to debt validation constitutes \ncollection activity. I am also requesting the names, addresses and telephone numbers of \nindividuals you contacted during your investigation.\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 \nUSC  1681j (a) (6)]. I am also requesting an updated copy of my credit report, which \nshould be sent to the address listed below. According to the provisions of  612 [15 \nUSC  1681j], there should be no charge for this report. If you have any questions or \nneed additional information, please contact me at address noted below. I think 15-20 \nDays should be ample enough time to get this completed since this is my NOT my first \ntime contacting your organization.\nFurther, CONFIRM the five key components of our individual identities in case this \ndata breach becomes yet another case potentially leading to my inclusion as a victim of \nfraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN \nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly \nthat of personal identifiers. Therefore, I must request that your bureau confirm in \nwriting the following personal information:\n1- FULL LEGAL NAME as it Appears on my Credit report\n2- Legal Address of Record\n3- SSN # (or redacted last 4 digits)\n4- Date of Birth\n5- Zip Code for my Home Address\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise \nand exact fully complete 426-character P-Segment or Trailing Segment that is to include \nthe minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged \ntrade-line information occurs.Per CRSA, auto-populating ANY data field input entry and \nor application of Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is \nautomatic call for deletion due to any and all repeating entry as NULL and VOID. \nMoreover, the regulatory obligation dictates that any and all data furnishers MUST \ninclude an attached TRAILING SEGMENT that absolutely accurately and completely \nincludes ALL of the account of allegation(s) specifics!Must be performed in a REALTIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher \nfails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of \nconsumers and or auto-escalate any and all consumer complaints to a certified Metro 2 \ncompliance trained SPECIALIST. Being Phase III of the Implementation of the \nCRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or \naccepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's \nFULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are \nillegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the \nREQUISITE technical accuracy in EVERY single item retained and or reported to or by \nany consumer credit reporting agency. Metro 2 compliance requires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a \nPRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and \nall CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry \nEvaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by \nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain \nand or report any claim of information, be it an account or any aspect of such, the must \nbe irrefutable fullness in the truth of reporting, correctness of reporting, \nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \nallegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or \nadequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA \nMetro 2 data field formatted reporting regulatory standards and obligations to include \nthe 81-month time relevance of account reported/ how reported/when \nreported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful \nreporting demands that the regulatory compliance rules are applied EVENLY and \nthoroughly from data provider to consumer credit reporting repository.Accuracy and \ncompleteness of all of any and all information, particularly derogatory consumer \ninformation, must abide by every and one of current MY states reporting regulations as \nwell as those of federal laws ,even the CDIA METRO 2 COMPLIANCE standards due to \nthe implementation of the Credit Reporting Settlement Agreement (CRSA.)\nIs the Personal Identifier information alleged in the reported 426-character \nP-SEGMENT true, correct, and complete to standards of CERTIFIED \nMETRO 2 COMPLIANCE?\nPlease demonstrate adequate proof of precisely true, accurate, and applicable\nVALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or \neradicate every single one and each any and all of the adversary derogatory accusations \ninjuring me immediately, TODAY even NOW and HERE!\nPlease verify and validate physically each and every claim of this alleged yet unproven to \nbe my responsibility or fault. Please demonstrate readily and timely the precise \nconfirming facts of the alleged account including every single one even each any and or \nall of its article aspects by federal laws. You must willfully and promptly DELETE \nTODAY even right now the deficient reporting or else present to me true documented \ncertificated proof of all data, every notation, date, balance, calculation, audit, personal \nidentifiers, each of the requisite 426-characters of the exact and fully compliant P6 \nstatement, any alpha/numeric and or alphanumeric source4 code deciding the leftness \nor rightness states, and even every aspect of the mandated 386 pieces of confirmation to \ncollection.\nThis series of misreporting seems to me clearly involves a universal and complete failure \nby your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory \ncompliant and reasonable procedures to assure maximum possible accuracy of \nconsumer credit information as described in at least 15 U.S.C.  1681. There is little \ndoubt that you have no evidence that this clearly does belong to me, is exactly true, fully \ncomplete, within timely definition per federal standards and has been erroneously \nplaced onto my credit report. The items of problematic accusations that I believe to be \nincorrect to its proper reporting and allowance of reporting per my state and federal \nlaws are detailed both above and below.\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as \ndemanded in this declaration would compel me to consult my consumer complaint \nlawfully to the members of the NCRWG as undoubtedly reporting not only must be true, \ntimely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any \nentity INCLUDING all consumer reporting repositories.\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting \ncompliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE\nregulations, I demand that these above mentioned derogatory items be investigated and \npermanently removed from my report. It is my understanding that you will recheck \nthese items with the creditor who has posted them. Please remove any information that \nthe creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must \ncomplete this reinvestigation within 30 days of receipt of this letter.\nPlease send an updated copy of my credit report to the above address. According to the \nact, there shall be no charge for this updated report. I also request that you please send \nnotices of corrections to anyone who received my credit report in the past six months.\nThank you for your time and help in this matter.\nSincerely yours,\nXXXX XXXX","date_sent_to_company":"2023-08-22T14:56:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"7438951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-22T14:46:48.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Furthermore, please \n<em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service \nAgreement that that outlines payment reconciliation."]},"sort":[7.982797,"7438951"]},{"_index":"complaint-public-v1","_id":"7802902","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTo 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 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX  PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( XXXX XXXX XXXX XXXX  ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 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 XXXX or XXXX, 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 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, they 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 states 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? 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!\n\nPlease 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. 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.\n\nYour 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 XXXX, 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. 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 can not 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. \n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-04T13:51:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"7802902","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-04T13:51:24.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7802902"]},{"_index":"complaint-public-v1","_id":"7780524","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo 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 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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 XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per XXXX XXXX XXXX ) is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 The CRSA enacted CDIA XXXX XXXX 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 XXXX or XXXX, etc ) into the XXXX XXXX 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, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX  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 XXXX XXXX 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. XXXX XXXX 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 XXXX XXXX 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, they 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 XXXX XXXX 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 states reporting regulations as well as those of federal laws, even the CDIA XXXX XXXX  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 XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease 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. 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. \n\nYour 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. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX 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 can not 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. \n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX","date_sent_to_company":"2023-10-31T07:55:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29506","tags":null,"has_narrative":true,"complaint_id":"7780524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-31T07:55:50.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7780524"]},{"_index":"complaint-public-v1","_id":"7772903","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo 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 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT DEPT OF ED/XXXX XXXX XX/XX/XXXX {$77000.00} 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.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 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 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, they 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 states 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? 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! \n\nPlease 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. 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. \n\nYour 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. 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 can not 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. \n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX","date_sent_to_company":"2023-10-31T04:52:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"7772903","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-31T04:52:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7772903"]},{"_index":"complaint-public-v1","_id":"7772902","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo 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 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX  ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT DEPT OF ED/XXXX XXXX XX/XX/XXXX {$77000.00} 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.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 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 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, they 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 states 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? 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! \n\nPlease 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. 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. \n\nYour 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. 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 can not 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.\n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX","date_sent_to_company":"2023-10-31T04:52:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"7772902","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-31T04:52:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7772902"]},{"_index":"complaint-public-v1","_id":"7750562","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX**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 ( XXXX ) to do so, that you annul 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( XXXX ) 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} 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.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 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 XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, 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 ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX 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 XXXX XXXX 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 XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they 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 XXXX 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 XXXX of current MY states 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 XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease 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 XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. 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. \n\nYour 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 XXXX, 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. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX 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 can not 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.\n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2023-10-24T05:12:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75243","tags":null,"has_narrative":true,"complaint_id":"7750562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-24T05:12:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7750562"]},{"_index":"complaint-public-v1","_id":"7744630","_score":7.895471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo 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 ( XXXX ) to do so, that you annul 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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.\n\n( 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.\n\n( 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.\n\n( 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.\n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXXndependent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX XXXX not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX  XXXX XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX XXXX 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. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 XXXX Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX 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 XXXX 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 XXXX XXXX compliance trained XXXX. 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. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they 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 XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX 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 states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease 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 XXXX of the exact and fully compliant XXXX 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. 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. \n\nYour 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 XXXX, 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. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX 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 can not 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.\n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX","date_sent_to_company":"2023-10-23T21:04:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98031","tags":null,"has_narrative":true,"complaint_id":"7744630","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-23T21:03:55.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.895471,"7744630"]},{"_index":"complaint-public-v1","_id":"8959696","_score":7.804182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or XXXX XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX  XXXX XXXX  ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX -- NOTATION : Per XXXX  enacted, XXXX  implemented laws XXXX any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury 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.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report 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.\n\nAccording 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.\n\nPlease 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.\n\nFurther, 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 The XXXX enacted XXXX 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 trade-line information occurs.Per XXXX, 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 XXXX implementation, if a data furnisher fails to respond within 20 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 XXXX, XXXX  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 XXXX, any and all CRA in-sourced 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 XXXX  enacted XXXX  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 states 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 ( XXXX. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease 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!\n\nPlease 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.\n\nThis 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.\n\nYour 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 XXXX 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. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX 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 can not 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. \nPlease 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.","date_sent_to_company":"2024-05-08T14:50:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"799XX","tags":null,"has_narrative":true,"complaint_id":"8959696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-08T14:44:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.804182,"8959696"]},{"_index":"complaint-public-v1","_id":"7459176","_score":7.804182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : XXXX ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX XXXX  process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n2. FALSE REPORTING. This account is reported inaccurately. You are in VIOLATION of FCRA and FDCPA XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report. \n\n\nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury 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.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report 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.\n\nAccording 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.\n\nPlease 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. \n\nFurther, 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 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 trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, 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 ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX 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 in-sourced 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 states 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?\n\nPlease 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!\n\nPlease 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.\n\nThis 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. \n\nYour 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 XXXX 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. \n\nBy 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 can not 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. \n\nPlease 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T08:43:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7459176","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-28T08:34:27.000Z","state":"DE","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.804182,"7459176"]},{"_index":"complaint-public-v1","_id":"5955211","_score":7.804182,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least XXXX XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and XXXX XXXX data formatted XXXX character XXXX statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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 XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA XXXX XXXX COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( XXXX XXXX XXXX XXXX XXXX is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX  XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX  ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 American Express USA . Accounts - XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 XXXX XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. 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 XXXX 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 XXXX 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 XXXX 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 XXXX  XXXX 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. 1. Tell me in writing what information you refuse to remove and why. 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 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. 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. 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. 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 The CRSA enacted CDIA XXXX XXXX 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 trade-line 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 XXXX XXXX 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 within 20 calendar daysXXXX XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX 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 XXXX  XXXX 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. XXXX XXXX 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 in-sourced DISPUTE Specialist MUST BE XXXX XXXX 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 XXXX XXXX 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 states reporting regulations as well as those of federal laws, even the CDIA XXXX XXXX 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 XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! 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. 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. 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 XXXX  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. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX 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 can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX.","date_sent_to_company":"2022-09-06T14:03:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"5955211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-09-06T13:57:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.804182,"5955211"]},{"_index":"complaint-public-v1","_id":"5955006","_score":7.790941,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and XXXX XXXX data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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 XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or XXXX XXXX XXXX XXXX COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX  XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX  ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 CITICARDS CBNA USA. Accounts - XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 XXXX XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and XXXXne even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. 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 XXXX 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 XXXX 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 XXXX 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 XXXX XXXX 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. 1. Tell me in writing what information you refuse to remove and why. 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 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. 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. 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. 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 The CRSA  enacted XXXX  XXXX XXXX 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 trade-line 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 XXXX XXXX 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 within 20 calendar days, XXXX  is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained SPECIALIST. Being Phase III of the Implementation of the XXXX, XXXX  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 XXXX XXXX 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. XXXX XXXX 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 XXXX, any and all CRA in-sourced DISPUTE Specialist MUST BE XXXX XXXX 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 XXXX  enacted XXXX  XXXX XXXX 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 states reporting regulations as well as those of federal laws, even the XXXX  XXXX XXXX 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 XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! 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. 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. 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. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  XXXX XXXX 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 can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX.","date_sent_to_company":"2022-09-06T14:12:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11727","tags":null,"has_narrative":true,"complaint_id":"5955006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-09-06T14:05:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.790941,"5955006"]},{"_index":"complaint-public-v1","_id":"7780461","_score":7.748446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX 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 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\n( 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. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage XXXX XXXX. XXXX also provides for XXXX to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\nXXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 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. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. 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. 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. 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 confirms 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 The CRSA enacted CDIA Metro 2 compliant reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX 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 XXXX or XXXX, 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 XXXX implementation, if a data furnisher fails to respond XXXX 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 XXXX 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 XXXX XXXX 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 XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they 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 XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX 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 XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease 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 XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. 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. \n\nYour 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 XXXX, 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. 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 can not 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. \n\nPlease 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 XXXX months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX","date_sent_to_company":"2023-10-31T07:23:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29506","tags":null,"has_narrative":true,"complaint_id":"7780461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-31T07:23:27.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.748446,"7780461"]},{"_index":"complaint-public-v1","_id":"13569714","_score":7.6048136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate. I have reached out to the bureau multiple times, and they have not updated my accounts to reflect accurate information. Alleged Derogatory late payment deficient of REQUIRED PROOF OF \\nADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and \\ntheFCRA standards of reporting are certainly unlawful, unethical and \\nundoubtedly in clear infringement of my consumer and/or civil rights, making \\nyou liable upon my taking this matter to a civil court in my area for proper and \\nethical resolutions and awards of at least $1000+ per still unproven, untrue, \\ninaccurate, untimely, incomplete, or else wise not compliant item reported \\nthat is hereby now being challenged in writ composition. Legally a consumer \\ncomplaint notice in demand for a check for compliance and further irrefutable \\nevidence to such claim;\\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\\nPer Federal and my states reporting laws, you MUST \\nAFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. \\nLawfully certificate physically the creditor classification codes, the exact and \\ncomplete sequenced and METRO 2 data formatted 426 character P-6 \\nstatements as well as all of the applicable and requisite trailing fragments, the \\nminimally mandated five (5) portioned personal identifiers, every and one of \\nthe alpha -/ numeric-/and or the alphanumeric source codes that detail the \\nleft sidedness and or right sidedness of any and all precisely ordered recorded \\naccount descriptions, all aspects exactly and fully related to the sequenced 386 \\npieces of confirmation to collect(-tions), each calendar date recorded, every \\nalleged balance including the tallied total and invoices from which they were \\nderived, the documented legal and current color photographed identities, the \\nattested addresses, the non transported and true marks of execution from one \\nand only and exactly identified me upon an acknowledge of debt alleged or \\neven conditions related, as well as every single one even each and any or all \\nrequisite state and federal laws applicable, whether known or not, regardless if \\nmentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN \\nREPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF \\nFRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING \\nOF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO \\nANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE \\nCOMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU\\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal \\nwrit composed DECLARATION of Not Proven Compliant Misinformation that is \\nall or in part: DEFICIENT of adequate current status in fullness of TRUTH, \\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, \\ncertifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and \\nregulatory requisite compliant reporting thereby mandating your immediate \\nactions to rectify and remedy and any all infraction-ious behavior(s) by \\nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \\nCOMPLIANT METRO 2 data field formatted reporting!To be clear, you are \\nmandated by laws to eliminate every notation and or aspect of any and all \\nderogatory and adversary items from any and all alleged claims still yet \\nunproven to be true, correct, complete, timely, documented as being mine, \\ntestimonial to be of my responsibility, with FCRA compliance, and or CRSA \\nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \\nderogatory or potentially injurious reporting MUST be all of the \\naforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE \\ntestimonial of FACTs ensuring the physically verifiability of the CONFIRMED \\nmanual validation of any item upon a consumer complaint, such as is this \\nnotice here and now.Please RETURN to or retain federally lawful\\nreporting with your unwavering and unconditional annulment of every single \\none even each any and or all of the allegations accused of me deficient of \\nphysical evidence to every and all aspects of said claims, be them true or not. I \\nas of late received a duplicate of my credit report from your consumer credit \\nreporting agency -- WHICH BY THE WAY is self proclaimed as being not only \\nACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification \\nof your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX  (your web\\nbased automated verification process). YOUR EXACT e\\x02XXXX definition (per XXXX ) is that XXXX is a web\\x02based,Metro 2 compliant, automated system that enables \\nData Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and \\nrespond to consumer credit history disputes. CRAs include Equifax, XXXX \\nXXXX and XXXX, their affiliates or Independent Credit Bureaus and \\nMortgage Reporting Companies. XXXX  also provides for DFs to send \"outof- cycle\" credit\\nhistory updates to CRAs. The system primarily supports \\nAutomated Credit Dispute Verification (ACDV) and Automated Universal \\nDataform (AUD) processing as well as a number of related processes that \\nhandle registration, subscriber code management and reporting.\\nACDVs initiated by a CRA on behalf of a consumer are routed to the \\nappropriate Data Furnisher based on the CRA and subscriber code affiliations \\nindicated by the DF. The ACDV is returned to the initiating CRA with updated \\ninformation (if any) relating to the consumer\\'s credit history. If an account is \\nmodified or deleted, carbon copies are sent to each CRA with whom the DF \\nhas a reporting relationship. AUDs are initiated by the DF to process out-ofcycle credit history\\nupdates. The system is used to create the AUD and route it \\nto the appropriate CRA(s) based on subscriber codes specified by the DF in \\nthe AUD record. The XXXX  AUD process is intended to provide the CRA \\nwith a correction to a consumer\\'s file that must be handled outside of the \\nregular activity reporting cycle process. XXXX XXXX may not be used to add or \\ncreate a record on a consumer\\'s file or as substitute for \"in-cycle\" reporting to \\nthe CRAs. Within the report I saw that there were late installments noted in \\nthe record history.Since I am somehow very defective in the matter as to the \\nHow ,WHEN, and WHY these late segments are notations within my credit \\nreport which is otherwise remarkable in creditworthiness!Puzzled,I am \\nenacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged \\ndata providers of these following notated UNPROVEN derogatory suggestions \\nof late payments to surrender to you and you to me an evaluated \\nproclamation of my record throughout the previous 2 years demonstrating \\nwhen the due date of the record was and when the installment was handled. \\nFurthermore, please require the accusing data provider to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation. As I am POSITIVE you are aware, as a injured consumer, \\nUNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask \\nfor any and all of the above and below DEMANDS under the terms of the Fair \\nCredit Billing Act of XXXX (FCBA) As the OFFICIAL notice of my official writ \\ncomposed DECLARATION of Not Proven Compliant Misinformation that is \\neither or all of the following, YOU MUST ANNUL by REMOVAL of any \\nDEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or \\nan aspect of that account.PLEASE as you MUST, delete the foul misreportings \\nand display any and all of my accounts as being  PAID/PAYS as \\nAGREED,NEVER LATE and as nothing else:\\n1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX XXXX XXXX XXXX\\n Account Number: XXXX\\n Please correct/update this inaccurate information on my credit report.\\n2. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX\\n Account Number: XXXX\\n Please correct/update this inaccurate information on my credit report.\\n3. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX\\n Account Number: XXXX\\n Please correct/update this inaccurate information on my credit report.\\n4. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\\n XXXX\\n Account Number: XXXX\\n Please correct/update this inaccurate information on my credit report.\\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting \\nmust be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, \\nof known ownership and responsibility but also fully Metro 2 \\ncompliant.Provider Claims Late Payment yet has NOT PROVEN even the \\ncompliance of its reporting much less any aspect of determined truth of facts \\nelse wise required by obligatory regulations. As such, I demand evidence of \\nMetro 2 compliant reporting, true and accurate and complete reporting of \\nwhat is likely an allegation unfounded as it is DEFICIENT of adequate current \\nstatus in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \\ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \\ncompliant obligatory and regulatory requisite compliant reporting thereby \\nmandating your immediate actions to rectify and remedy and any all \\ninfraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, \\nCORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted \\nreporting! PLEASE ERADICATE any and all derogatory aspects of reporting and \\nat a minimum rectify the derelict reporting with the adequate statement of \\nPAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to \\nbe CORRECT and determine factually and in entirety that every aspect of \\ncurrent reporting is lawfully compliant, you MUST satisfy my demands!\\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to \\nevery and one even each any and or all of the client\\'s State\\'s and or the \\nfederal reporting laws MUST be returned to compliance even should that \\nrequisite annulment of item\\'s reporting. No entity is with authority to retain or \\nreport any allegations not DEMONSTRATED by certificate of FACT to be \\nfully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, \\nand or of a determined RESPONSIBILITY and the presentation of the \\ninformational evidence MUST BE IRREFUTABLE to be so.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to \\nreport or even once alleged adverse remark unproven upon a requested \\ncompliance check. You must Annul in brief, even right now and right here, by \\ncomplete and PERMANENT DELETION any or even one not irrefutable \\nallegation(s) deficient of physical composed writ certificate(s) in testimony of \\nthe exact and full truth, correctness, timeliness, completeness, ownership, \\nresponsibility, and or documented evidence of precise and willfulness to \\ncomply with every single one even any and or all of the requisite \\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal \\nreporting of any information, known or not. Attest now to the metro-2 \\nrequired truth, accuracy, fullness, timeliness, ownership, responsibility and or \\ncompliance(s) otherwise, whether mentioned or not. Ignorance of obligations \\nto compliant reporting is NOT lawful exoneration of your responsibility to \\n100% accurate, true, and metro-2 compliant data formatted reporting \\nregulations of which you are obligated. Federal laws allow me to compel you \\nto retain and or return adequate accountability. Failure or unwillingness to do \\nso might be remedied and rectified in my favor per monetary compensation \\nfor your infringements of my civil and or consumer rights and violations of the \\nlaws required of you. Right now demonstrate to me any and all applicable \\nmetro-2 reporting mandates including but not limited to every date and \\nbalance, each calculation and audit, the invoices and documented current \\nidentities, every notation not to forget the five (5) portioned personal \\nidentifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric \\nsource codes, every applicable creditor classification code(s), the 3 applicable \\nand precise sequenced 386 pieces of confirmation to collect(-ions) or any \\nobligation else-wise. Return or Retain federally required compliance with your \\nimmediate and dull eradication of any and one of the adverse and or \\nderogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let \\nthis notice of my official writ composed DECLARATION of Not Proven \\nCompliant Misinformation that is either or all of the following: DEFICIENT of \\nadequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, \\nTIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or \\notherwise irrefutable compliant obligatory and regulatory requisite compliant \\nreporting thereby mandating your immediate actions to rectify and remedy \\nand any all infraction-ious behavior(s) by retaining or returning to \\nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 \\ndata field formatted reporting! Please provide me with all of the information \\nyou used for your investigation, as required by FCRA 611 (a) (7).Please reply \\nwithin 10 days or delete the negative items, as originally requested. If you FAIL \\nto respond to this demand and tort notification, your firm will be added to the \\npending action as complicit in this data breach of my personal information.\\n1. Tell me in writing what information you refuse to remove and why.\\n2. Tell me in writing what you did to determine that the information \\nwas accurate.\\n3. Note the information as disputed BY the CONSUMER on my credit \\nreport\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \\nrequired by federal law to verify - through the physical verification of the \\noriginal signed consumer contract - any and all accounts you post on a credit \\nreport. Otherwise, anyone paying for your reporting services could fax, mail or \\nemail in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \\nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from \\nmy credit record within 30 days. During the investigation period, these items \\nmust be removed from my credit report as the mere reporting of items prior \\nto debt validation constitutes collection activity. I am also requesting the \\nnames, addresses and telephone numbers of individuals you contacted during \\nyour investigation.\\nPlease notify me that the above items have been deleted pursuant to  611\\n(a)(6) [15 USC  1681j (a) (6)]. I am also requesting an updated copy of my \\ncredit report, which should be sent to the address listed below. According to \\nthe provisions of  612 [15 USC  1681j], there should be no charge for this \\nreport. If you have any questions or need additional information, please \\ncontact me at address noted below. I think 15-20 Days should be ample \\nenough time to get this completed since this is my NOT my first time \\ncontacting your organization.\\nFurther, CONFIRM the five key components of our individual identities in case \\nthis data breach becomes yet another case potentially leading to my inclusion \\nas a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, \\nparticularly that of personal identifiers. Therefore, I must request that your \\nbureau confirm in writing the following personal information:\\n1- FULL LEGAL NAME as it Appears on my Credit report\\n2- Legal Address of Record\\n3- SSN # (or redacted last 4 digits)\\n4- Date of Birth\\n5- Zip Code for my Home Address\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the\\nprecise and exact fully complete 426-character P-Segment or Trailing Segment \\nthat is to include the minimally five portioned PERSONAL IDENTIFIERS to \\nwhich databasing of alleged trade-line information occurs.Per CRSA, autopopulating ANY data\\nfield input entry and or application of Slash Entries (such \\nas 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion \\ndue to any and all repeating entry as NULL and VOID. Moreover, the \\nregulatory obligation dictates that any and all data furnishers MUST include an \\nattached TRAILING SEGMENT that absolutely accurately and completely \\nincludes ALL of the account of allegation(s) specifics!Must be performed in a \\nREAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a \\ndata furnisher fails to respond within 20 calendar days, XXXX is to \\nterminate challenge in favor of consumers and or auto-escalate any and all \\nconsumer complaints to a certified Metro 2 compliance trained SPECIALIST. \\nBeing Phase III of the Implementation of the CRSA,SMART auto-responders \\nare not compliant and unlawful if used by furnishers or accepted by \\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer\\'s FULL \\nP-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \\nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data \\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit \\nreporting is the REQUISITE technical accuracy in EVERY single item retained \\nand or reported to or by any consumer credit reporting agency. Metro 2 \\ncompliance requires exacting P-segment, to include the minimal five(5) \\nportion personal identifiers as well as a PRECISELY and COMPLETELY FULL \\naccount trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE \\nSpecialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. \\nFurther, this qualifying certification can be REVOLVED by CONSUMER \\nCOMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and \\nor report any claim of information, be it an account or any aspect of such, the \\nmust be irrefutable fullness in the truth of reporting, correctness of reporting, \\nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \\nallegations, undoubtable ownership, irrefutable responsibility of adverse \\nclaims, and or adequate and complete INFORMATIONAL COMPLIANCE to the \\nCRSA enacted CDIA Metro 2 data field formatted reporting regulatory \\nstandards and obligations to include the 81-month time relevance of account \\nreported/ how reported/when reported,PRESENT and RELEVANT PERSONAL \\nIDENTIFIERS.Further lawful reporting demands that the regulatory compliance \\nrules are applied EVENLY and thoroughly from data provider to consumer \\ncredit reporting repository.Accuracy and completeness of all of any and all \\ninformation, particularly derogatory consumer information, must abide by \\nevery and one of current MY states reporting regulations as well as those of \\nfederal laws ,even the CDIA METRO 2 COMPLIANCE standards due to the \\nimplementation of the Credit Reporting Settlement Agreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-\\ncharacter P-SEGMENT true, correct, and complete to standards of \\nCERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and \\napplicable VALIDATION of the claimed reported CREDITOR \\nCLASSIFICATION CODES, or eradicate every single one and each any and all \\nof the adversary derogatory accusations injuring me \\nimmediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet \\nunproven to be my responsibility or fault. Please demonstrate readily and \\ntimely the precise confirming facts of the alleged account including every\\nsingle one even each any and or all of its article aspects by federal laws. You \\nmust willfully and promptly DELETE TODAY even right now the deficient \\nreporting or else present to me true documented certificated proof of all data, \\nevery notation, date, balance, calculation, audit, personal identifiers, each of \\nthe requisite 426-characters of the exact and fully compliant P6 statement, any \\nalpha/numeric and or alphanumeric source4 code deciding the leftness or \\nrightness states, and even every aspect of the mandated 386 pieces of \\nconfirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and \\ncomplete failure by your firm to obtain, retain, maintain, and utilize adequate \\nand lawful regulatory compliant and reasonable procedures to assure \\nmaximum possible accuracy of consumer credit information as described in at \\nleast 15 U.S.C.  1681. There is little doubt that you have no evidence that this \\nclearly does belong to me, is exactly true, fully complete, within timely \\ndefinition per federal standards and has been erroneously placed onto my \\ncredit report. The items of problematic accusations that I believe to be \\nincorrect to its proper reporting and allowance of reporting per my state and \\nfederal laws are detailed both above and below.\\nYour failure to demonstrate the REQUIRED presentation of \\ncomposed PROOF as demanded in this declaration would compel me to \\nconsult my consumer complaint lawfully to the members of the XXXX as \\nundoubtedly reporting not only must be true, timely, and accurate but also in \\nits COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all \\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of \\nreporting compliance implemented with the CRSA enacted CDIA Metro 2 \\nCOMPLIANCE regulations, I demand that these above mentioned derogatory \\nitems be investigated and permanently removed from my report. It is my \\nunderstanding that you will recheck these items with the creditor who has \\nposted them. Please remove any information that the creditor cannot verify. I \\nunderstand that under 15 U.S.C. Sec. 1681i(a), you must complete this \\nreinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. \\nAccording to the act, there shall be no charge for this updated report. I also \\nrequest that you please send notices of corrections to anyone who received \\nmy credit report in the past six months.\\nThank you for your time and help in this matter.\\nSincerely,\\nXXXX XXXX\\nSS#: XXXX'","date_sent_to_company":"2025-05-17T20:23:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"13569714","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T20:11:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\nFurthermore, please <em>require</em> the accusing data <em>provider</em> to present their most \\nupgraded Terms of Service Agreement that that outlines payment \\nreconciliation."]},"sort":[7.6048136,"13569714"]},{"_index":"complaint-public-v1","_id":"7459175","_score":7.4713945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : XXXXXXXX  ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. \n\n2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. \n\n4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : 6 XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury 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.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report 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.\n\nAccording 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.\n\nPlease 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. \n\nFurther, 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 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 trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, 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 within 20 calendar days, XXXX 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 in-sourced 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 states 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?\n\nPlease 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!\n\nPlease 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.\n\nThis 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. \n\nYour 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 XXXX 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. \n\nBy 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 can not 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.\n\nPlease 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.\n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T08:33:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7459175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-28T08:29:54.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation."]},"sort":[7.4713945,"7459175"]},{"_index":"complaint-public-v1","_id":"4323419","_score":7.4232645,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX  and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 Dept of ED/NAVIENT - Alleged Late Payment XX/XX/2019 NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \nInjury 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.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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.\n\nAccording 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. \nPlease 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 the 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.\n\nFurther, 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 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 trade-line 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 within 20 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 in-sourced 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 states 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?\n\nPlease 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!\n\nPlease 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 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, perso\nnal 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.\n\nThis 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 a 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.\n\nYour 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.\n\nBy 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.","date_sent_to_company":"2021-04-27T19:44:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"4323419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2021-04-23T21:44:03.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that outlines payment reconciliation."]},"sort":[7.4232645,"4323419"]},{"_index":"complaint-public-v1","_id":"4317594","_score":7.412511,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XX/XX/XXXX ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 XXXX/XXXX - Missed Payments XX/XX/XXXX & XX/XX/XXXX XXXX and XXXX already removed this account for violations against the Fair Credit Reporting Act. \n\nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \nInjury 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. \n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. \nAccording 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. \nPlease 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 the 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.\n\nFurther, 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 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 trade-line 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 within 20 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 in-sourced 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 states 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?\n\nPlease 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! \nPlease 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 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. \nThis 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 a 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. \nYour 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. \nBy 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.","date_sent_to_company":"2021-04-27T14:01:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"4317594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-21T23:30:06.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that outlines payment reconciliation."]},"sort":[7.412511,"4317594"]},{"_index":"complaint-public-v1","_id":"4297526","_score":7.3956785,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : XX/XX/XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XX/XX/XXXX and XX/XX/XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Capital One ACCOUNT # XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \nInjury 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. \n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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.\n\nAccording 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. \nPlease 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 the 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.\n\nFurther, 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 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 trade-line 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 within 20 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 in-sourced 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 states 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?\n\nPlease 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!\n\nPlease 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 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. \nThis 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 a 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.\n\nYour 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 XXXX  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.\n\nBy 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.","date_sent_to_company":"2021-04-14T20:07:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11103","tags":null,"has_narrative":true,"complaint_id":"4297526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-04-14T20:07:23.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that outlines payment reconciliation."]},"sort":[7.3956785,"4297526"]},{"_index":"complaint-public-v1","_id":"4297525","_score":7.3956785,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : 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! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : /XX/XX/XXXX) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XX/XX/XXXXand XX/XX/XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX andXX/XX/XXXX XXXX XX/XX/XXXX XXXX SYNCB XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Card ACCOUNT # XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is 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 ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury 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. \n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report 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. \nAccording 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. \nPlease 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 the 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.\n\nFurther, 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 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 trade-line 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 within 20 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 in-sourced 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 states 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?\n\nPlease 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!\n\nPlease 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 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.\n\nThis 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 a 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.\n\nYour 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.\n\nBy 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.","date_sent_to_company":"2021-04-14T20:07:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11103","tags":null,"has_narrative":true,"complaint_id":"4297525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-04-14T20:07:23.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Furthermore, please <em>require</em> the accusing data <em>provider</em> to present their most upgraded Terms of Service Agreement that outlines payment reconciliation."]},"sort":[7.3956785,"4297525"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":92,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":92}]}},"product":{"doc_count":92,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other 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