{"took":340,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":78,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21834470","_score":13.413038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion , LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL NOTICE OF DISPUTE AND DEMAND FOR DELETION OF ALL NEGATIVE ACCOUNTS AND ALL INQUIRIES PURSUANT TO THE UNIFORM COMMERCIAL CODE ( U.C.C. ), THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 U.S.C. 1692 et seq. \nFile Number : XXXX SSN ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX TO ALL AUTHORIZED OFFICERS AND AGENTS OF TRANSUNION , LLC : PLEASE TAKE FORMAL NOTICE that I, XXXX XXXX XXXX, XXXX XXXX XXXX and secured consumer-creditor under the Uniform Commercial Code ( U.C.C. ), hereby exercise my lawful right to dispute, challenge, and demand the immediate deletion of all negative tradelines, adverse accounts, and all credit inquiries both regular ( hard ) and account review appearing on my TransUnion consumer credit file bearing XXXX XXXX XXXX. \nThis correspondence constitutes a formal, written dispute under the following lawful authorities : Uniform Commercial Code ( U.C.C. ) 1-308 Performance or Acceptance Under Reservation of Rights Uniform Commercial Code ( U.C.C. ) 3-501 Presentment Uniform Commercial Code ( U.C.C. ) 3-505 Evidence of Dishonor Uniform Commercial Code ( U.C.C. ) 9-210 Request for Accounting / Request Regarding a List of Collateral or Statement of Account Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Permissible Purposes of Consumer Reports Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Validation of Debts Privacy Act of 1974, 5 U.S.C. 552a Federal Trade Commission Act, 15 U.S.C. 45 Unfair or Deceptive Practices SECTION I LEGAL FOUNDATION UNDER THE UNIFORM COMMERCIAL CODE As a living consumer operating in commerce, I am a party with full legal standing under the Uniform Commercial Code as adopted in all fifty ( XXXX ) states. Pursuant to U.C.C. 1-308, I reserve all rights without prejudice and without waiving any rights, remedies, or defenses available to me under any applicable law. \nUnder U.C.C. 9-210, any secured party or party claiming a security interest in a consumer account has an obligation, upon written request, to provide a complete, authenticated, and verifiable accounting of any alleged obligation. No party including any original creditor, collection agency, or credit reporting agency has standing to report derogatory information on my consumer credit file without first being able to produce lawful, verifiable, and authenticated documentary evidence sufficient to establish : XXXX. The existence of a valid, lawful contract bearing my wet-ink signature ; XXXX. Proof of consideration flowing from the creditor to me ; XXXX. A complete, unbroken chain of title for any alleged debt that has been assigned, sold, or transferred to any third-party collector ; XXXX. The original signed agreement authorizing the reporting of said account to any consumer reporting agency ; XXXX. Proof of permissible purpose under FCRA 15 U.S.C. 1681b for each and every inquiry appearing on my consumer credit file ; XXXX. Competent evidence that any information being reported meets the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ). \nEach account and inquiry listed in this dispute is hereby challenged in its entirety. In the absence of complete, verified, authenticated documentary evidence, TransUnion is legally obligated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to DELETE the disputed item from my consumer credit file within thirty ( XXXX ) days of receipt of this notice. \nI further invoke U.C.C. 1-308 and hereby give NOTICE that any attempt to re-insert deleted information without first providing the required verified evidence, and without following the mandatory procedures set forth in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), shall constitute willful noncompliance under 15 U.S.C. 1681n and shall subject TransUnion and all furnishers to civil liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, costs, and attorney 's fees. \n\nSECTION XXXX DISPUTE OF ALL NEGATIVE / ADVERSE ACCOUNTS The following accounts appear on my TransUnion credit file with adverse, derogatory, or otherwise negative information. I hereby dispute each account listed below in its entirety including all payment history, remarks, ratings, balances, and all associated adverse designations. I have no knowledge of any valid, verified, authenticated obligation owed to any of the following creditors or their assigns. I challenge each furnisher to produce verifiable proof of the claimed debt as required by law. \nADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : CH/NICKELCITYPROPERTYMANAGEMENT Account Number : XXXX * * * * Account Type : Rental Agreement ( Open Account ) Date Opened : XX/XX/XXXX Reported Balance : {$550.00} Adverse Information : Late payment ratings of XXXX and XXXX days appearing in XX/XX/XXXX and XX/XX/XXXX payment history ; past-due amounts reported ; negative ratings ( XXXX, XXXX ) reported on consumer credit file. Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. Under U.C.C. 9-210 and 15 U.S.C. 1681i, I demand that CH/NICKELCITYPROPERTYMANAGEMENT provide complete, authenticated documentation establishing the existence of a valid, lawful rental agreement bearing my wet-ink signature, proof of all claimed delinquencies, and lawful authorization to report adverse information to TransUnion. Any and all late payment ratings, past-due designations, and adverse remarks associated with this account are hereby disputed as inaccurate, unverifiable, and/or reported without my lawful authorization. This account must be investigated, corrected, and all adverse payment history, derogatory ratings, and associated negative information must be deleted in their entirety. \nADVERSE ACCOUNT NO. XXXX Creditor/Furnisher : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Lease / Installment Account Date Opened : XX/XX/XXXX Reported Balance : {$730.00} Pay Status : >CHARGE-OFF< Remarks : XXXX ( Profit and Loss Write-Off ) Ratings : C/O ( Charge-off ) from XX/XX/XXXX through XX/XX/XXXX Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX GROUNDS FOR DISPUTE AND DELETION : This account is disputed in its entirety. A charge-off is one of the most damaging designations that can appear on a consumer 's credit file and constitutes a significant adverse action against me. Under U.C.C. 1-308 and U.C.C. 3-501, I hereby make formal presentment and demand for complete, authenticated, lawfully verified documentation establishing : ( a ) the original signed agreement between me and XXXX XXXX XXXX  ; ( b ) a complete accounting of all payments made and credits applied ; ( c ) proof that the charge-off was properly and legally executed ; ( d ) proof that XXXX XXXX XXXX  has standing to continue reporting this account after charging it off and writing it to profit and loss ; and ( XXXX ) proof that the reporting of this account as a charge-off meets the maximum possible accuracy standard required under XXXX U.S.C. 1681e ( b ). A creditor who charges off a debt and simultaneously reports it to a credit bureau creates an unverifiable, potentially defamatory record that damages my creditworthiness. All charge-off designations, C/O ratings, PRL remarks, and all associated adverse information for this account must be deleted immediately. \nADVERSE ACCOUNT NO. XXXX Collection Agency : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$1100.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. Under the FDCPA, 15 U.S.C. 1692g, I hereby demand complete validation of this alleged debt. XXXX XXXX, as a third-party debt collector, is required to provide : ( a ) the original signed agreement between me and XXXX XXXX XXXX XXXX XXXX wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of assignment or sale from XXXX XXXX XXXX to XXXX XXXX XXXX including all intervening assignments ; ( c ) proof that XXXXXXXX XXXX is licensed to collect debts in the State of New York ; ( XXXX XXXX the complete payment history and account ledger from account inception ; and ( XXXX ) proof of permissible purpose and authorization to report this information to TransUnion under 15 U.S.C . 1681b. Under U.C.C. 9-210, XXXX XXXX must also provide an authenticated statement of account. In the absence of complete, verified documentation, this collection account must be immediately deleted. Collection accounts that can not be properly validated and authenticated have no legal basis to remain on a consumer credit report. \nADVERSE ACCOUNT NO. XXXX Collection Agency : PORTFOLIO RECOVERY Account Number : XXXXXXXX XXXX XXXX XXXX * Account Type : Factoring Company Account ( Collection ) Date Opened : XX/XX/XXXX Reported Balance : {$4800.00} Pay Status : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Remarks : >PLACED FOR COLLECTION< Estimated Removal : XXXX/XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX GROUNDS FOR DISPUTE AND DELETION : This collection account is disputed in its entirety. XXXX XXXX XXXX is a known third-party debt buyer that regularly purchases alleged debts in bulk for pennies on the dollar and then attempts to collect amounts in excess of what may be lawfully owed. Under U.C.C. 1-308 and U.C.C. 9-210, and under the FDCPA 15 U.S.C. 1692g, I demand that XXXX XXXX provide : ( a ) the original signed credit agreement between me and XXXX XXXX XXXX XXXX XXXX bearing my wet-ink signature ; ( b ) a complete, authenticated, and unbroken chain of title showing how XXXX XXXX acquired legal ownership of this alleged debt, including the bill of sale and all assignment documents ; ( c ) proof of the exact amount allegedly owed at the time of assignment and how the current balance of {$4800.00} was calculated ; ( d ) proof that the statute of limitations has not expired on this alleged obligation under New York XXXX XXXX ( XXXX ) proof of licensure to collect in the State of New York XXXX and ( f ) proof of permissible purpose under 15 U.S.C. 1681b to report this information to TransUnion. Without complete authenticated verification of all of the foregoing, this collection account must be deleted immediately in its entirety.\n\nSECTION III DISPUTE AND DEMAND FOR DELETION OF ALL INQUIRIES Pursuant to 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes specifically enumerated by law. Any inquiry appearing on my consumer credit file that was obtained without a permissible purpose or without my express, written authorization constitutes a willful violation of the FCRA and is subject to civil liability under 15 U.S.C. 1681n. I hereby dispute ALL inquiries appearing on my TransUnion consumer credit file and demand that each entity provide documented proof of permissible purpose or be immediately deleted.\n\nPART A REGULAR ( HARD ) INQUIRIES DEMAND FOR IMMEDIATE DELETION The following regular/hard inquiries appear on my TransUnion credit report. Each is disputed in its entirety. I demand that TransUnion contact each of the following entities and require them to provide documented proof of my express written authorization and of lawful permissible purpose. Any inquiry that can not be verified must be deleted immediately. \nXXXX. XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX via XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual / Credit Transaction DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. XXXX verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nXXXX. XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Individual DISPUTE : I have no knowledge of authorizing this inquiry. Absent verified proof of permissible purpose and my signed written authorization, this inquiry must be immediately deleted. \nPART B ACCOUNT REVIEW INQUIRIES DEMAND FOR IMMEDIATE DELETION The following account review inquiries appear on my TransUnion credit file. Although TransUnion represents these inquiries as not visible to third-party lenders, they nevertheless constitute access to my private, personal consumer credit information. Each access requires a legitimate permissible purpose under 15 U.S.C. 1681b. I hereby dispute each of the following inquiries and demand that any entity without a current, verified, lawful permissible purpose be removed from my credit file immediately. \nXXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. TRANSUNION XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. XXXX to my credit file without lawful permissible purpose is a willful violation of XXXX XXXX. XXXX. \nXXXX. XXXX XXXX via TRANSUNION XXXX IN Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX NOTE : Any collection-related entity accessing my credit file without a current, verified debt obligation is in violation of 15 U.S.C. 1681b and must be deleted. \nXXXX. XXXX via TRANSUNION INTERACTIVE Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX NOTE : This entity has no verified, validated, authenticated agreement with me. See dispute grounds for Account No. XXXX above. Access to my credit file without lawful permissible purpose is a willful violation of 15 U.S.C. 1681b. \nXXXX. XXXX XXXX via XXXX INTERACT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. PROGRESSIVE AUTO XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX AUTO Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. UPGRADE Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX SECTION XXXX MANDATORY LEGAL NOTICE AND DEMANDS Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation of each item I have disputed within THIRTY ( XXXX ) DAYS of receipt of this written dispute. TransUnion must forward all relevant information to each furnisher and contact each entity listed in this dispute to obtain documentation sufficient to verify the accuracy and completeness of each entry. If any item can not be verified with complete, authenticated documentation, it MUST be deleted from my consumer credit file. \nI hereby make the following specific, non-negotiable demands : DEMAND XXXX : DELETE all four ( XXXX ) adverse/negative accounts identified in Section XXXX of this letter including all adverse payment history, charge-off designations, collection designations, derogatory remarks, and associated negative ratings from my TransUnion consumer credit file. \nDEMAND XXXX : DELETE all twenty-eight ( XXXX ) inquiries including all regular ( hard ) inquiries and all account review inquiries identified in Section XXXX of this letter from my TransUnion consumer credit file. \nDEMAND XXXX : Provide me with a free, updated copy of my consumer credit report within five ( XXXX ) days of completing the reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), confirming all deletions. \nDEMAND XXXX : Notify each furnisher whose information has been deleted of the deletion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). \nDEMAND XXXX : Do NOT re-insert any previously deleted information without providing me written notice of reinsertion as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), and without providing the complete name, address, and telephone number of the furnisher providing such information. \nDEMAND XXXX : Place my consumer statement in my credit file, to wit : \" All items on this consumer credit report are disputed. Consumer has demanded deletion of all adverse accounts and inquiries pursuant to the FCRA, FDCPA, and U.C.C. and reserves all rights without prejudice pursuant to U.C.C. 1-308. '' SECTION V NOTICE OF LIABILITY FOR NON-COMPLIANCE Be advised that failure to comply with this dispute notice within the time periods specified by law shall constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o. TransUnion and any furnisher that fails to comply with their legal obligations shall be liable for : ( a ) Actual damages sustained ; ( b ) Statutory damages of not less than {$100.00} and not more than {$1000.00} per violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ; ( c ) Punitive damages as the court may allow under 15 U.S.C. 1681n ( a ) ( 2 ) ; ( d ) Costs of the action and reasonable attorney 's fees as determined by the court under 15 U.S.C. 1681n ( a ) ( 3 ) ; and ( e ) Any additional damages available under applicable state law, including but not limited to New York XXXX XXXX XXXX XXXX et seq. \nI further reserve the right to file a complaint with : The Consumer Financial Protection Bureau ( CFPB ) at XXXX The Federal Trade Commission ( FTC ) at ftc.gov The New York State Attorney General 's Office The New York State Department of Financial Services ( NYDFS ) SECTION VI RESERVATION OF RIGHTS I hereby give NOTICE that this letter is submitted without prejudice and with full reservation of all rights under U.C.C. 1-308, under all applicable federal and state law, and under the common law. I do not waive any rights, remedies, or defenses by the submission of this dispute. I am not submitting to the jurisdiction of any particular forum, and I am not admitting the validity of any alleged debt by the act of disputing it. All rights reserved. \n\nATTESTATION I, XXXX XXXX XXXX, hereby attest under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief, that this is not a frivolous dispute, and that I am the individual identified herein. \nExecuted onXXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice U.C.C. 1-308 Print Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ( XXXX ) XXXX","date_sent_to_company":"2026-05-03T12:43:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"14206","tags":null,"has_narrative":true,"complaint_id":"21834470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-03T12:37:24.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["File Number : XXXX SSN ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX TO ALL AUTHORIZED OFFICERS AND AGENTS OF TRANSUNION , LLC : PLEASE TAKE FORMAL NOTICE that I, XXXX XXXX XXXX, XXXX XXXX XXXX and secured consumer-creditor under the Uniform Commercial Code ( U.C.C. ), hereby exercise my lawful right to dispute, <em>challenge</em>, and <em>demand</em> the <em>immediate</em> <em>deletion</em> of all <em>negative</em> <em>tradelines</em>, <em>adverse</em> accounts, and all credit inquiries both regular ( hard ) and account review appearing on my TransUnion consumer"]},"sort":[13.413038,"21834470"]},{"_index":"complaint-public-v1","_id":"14702870","_score":12.684626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Supplemental Complaint Formal Dispute of Balance, Payment History, and Lack of Notification This filing is not a duplicate of Complaint # XXXX. It supplements that case by documenting additional legal violations committed by Chase after the original filing, including non-response to a mailed XXXX request and continued failure to provide verification documents. \nThis filing supplements CFPB Complaint # XXXX, previously submitted regarding this same account. Despite that complaint, a mailed FACTA request, and a formal dispute letter, Chase has failed to provide the required documentation, including billing statements and legally mandated notices. \nCompany : JPMCB Card Services ( Chase ) Account Reference : Chase Credit Card ending in XXXX Consumer : XXXX XXXX Formal Dispute of Balance and Payment History I am formally disputing the reported balance and payment history on this account. The credit file currently omits any actual payments field, and no supporting documentation has been provided to verify how the reported balance or late payments were calculated. \n\nBased solely on your failure to provide proper notice under FCRA 1681s-2 ( a ) ( 6 ) and Regulation Z, I dispute the accuracy of the following data reported to credit bureaus : 1. My payment history ; 2. The date of first delinquency and any associated default ; 3. The charge-off status and amount ; 4. Any past-due balances reported without accompanying monthly statements or prior written notice.\n\nI received no billing statements, delinquency alerts, fraud warnings, or negative reporting notifications tied to these transactions a clear violation of multiple federal laws and regulations, including : - 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( AB ) Requires furnishers to notify consumers within 30 days of furnishing negative data to credit reporting agencies ; - Regulation Z 12 C.F.R. 1026.7 & 1026.5 ( b ) Requires credit card issuers to send clear and timely monthly billing statements ; - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Establishes the right of consumers to sue when proper notice is not provided ; - XXXX XXXX JPMorgan Chase Affirms that furnishers bear the burden of ensuring delivery of notice, not merely its transmission ; - Regulation Z 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Requires affirmative consumer consent and demonstrable delivery for e-statements to be valid.\n\nRoutine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.\n\nRoutine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.\n\nExhibit F-2 Chase Response to FACTA Request All Accounts ( Redacted & Annotated ) This document was received XX/XX/XXXX, in response to my FACTA letter mailed XX/XX/XXXX. It fails to meet federal verification requirements and includes no detailed transaction data, payment breakdowns, or proof of notice, in violation of FCRA 1681g and 1681i, and the FACTA amendment.\n\nRequest for Full, Itemized Monthly Statements Request for Full, Itemized Monthly Statements To properly evaluate the accuracy of this tradeline, I am requesting complete, itemized monthly account statements for the period of XX/XX/XXXX through XX/XX/XXXX. This request is specific and clearly defined. \n\nThe statements must include : - A full list of all transactions, including : - Transaction dates- Merchant names and locations - Amounts charged - A breakdown of all payments, including : - Payment dates- Amounts paid - The balance reported each month - A clear list of all : - Interest charges, with corresponding dates and amounts - Fees ( late, returned payment, over-limit ), with dates and amounts- The statement closing date, due date, and any carried-over balance These records are necessary to substantiate or dispute any charges, delinquencies, balances, or late payments attributed to me. \n\nIn addition, I am formally demanding copies of all notices of delinquency, fraud alerts, billing statements, and negative credit reporting notifications allegedly sent to me during this period, along with documented proof of delivery or receipt. This includes any mailed letters, emails, or electronic statements. As required by 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ), such notifications must be demonstrably received by the consumernot merely generated or sent through automated systems.\n\nLegal Grounds for Demand This request is made pursuant to the following federal laws and consumer protection provisions : FCRA 1681g Entitles consumers to obtain all information in their file from a furnisher ; FCRA 1681s-2 ( b ) Requires furnishers to investigate disputed information and correct any inaccuracies ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires furnishers and credit reporting agencies to provide documentation relied upon in any reinvestigation upon consumer request ; FCRA 1681s-2 ( a ) ( 6 ) Requires furnishers to notify consumers within 30 days of reporting negative information to credit bureaus ; FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of information that can not be verified ; FACTA ( 2003 amendment to FCRA ) Expands consumer rights to access supporting documentation for disputed items, including detailed transaction records and verification data ; Regulation Z 12 C.F.R. 1026.5 ( b ), 1026.7, and 1026.9 ( c ) ( 2 ) ( ii ) Requires issuers to send clear, timely billing statements and obtain affirmative consumer consent for electronic delivery.\n\nIf Chase can not produce the requested documentation, I demand the immediate and permanent deletion of this tradeline from all consumer credit reports, as required under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nFailure to comply within 15 calendar days will constitute a willful violation of the above laws and may result in legal action under FCRA 1681n and 1681o, including the pursuit of statutory, actual, and punitive damages.\n\nViolations Already Committed by Chase Due to your failure to provide billing statements, fraud alerts, delinquency warnings, or any legally required notice of negative credit reporting, as requested in our previously mailed dispute, our previously filed CFPB complaint, and our previously mailed FACTA request, you have already committed multiple violations of federal law, including : 15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure to notify the consumer of negative information furnished to credit bureaus within 30 days ; 12 C.F.R. 1026.7 and 1026.5 ( b ) Failure to provide clear and timely monthly billing statements as required under Regulation Z ; 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Failure to obtain affirmative consent and provide valid, demonstrable delivery of electronic statements ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide documentation relied upon in verifying disputed information ; FACTA ( 2003 amendment to FCRA ) Failure to provide itemized records and verification data upon request.\n\nFCRA 623 ( a ) ( 3 ) Failure to flag the account as disputed after being notified, which misleads future users of the report.\n\nThese violations are not hypothetical or procedural they have already occurred, and I am documenting them for possible litigation under FCRA 1681n and 1681o, which provide for recovery of statutory, actual, and punitive damages in cases of willful or negligent noncompliance.\n\nAs a result of this inaccurate and unverified reporting, I have experienced adverse credit decisions and reputational harm, with no opportunity to review or challenge the underlying transactions.\n\nRequest for CFPB Action If Chase continues to withhold the requested documentation, I will escalate this matter to the FTC and the New York State Attorney General, and I am prepared to compel Chase through legal action to either produce the records or delete the tradeline.\n\nI respectfully request that the CFPB : 1. Compel Chase to provide the full, itemized monthly statements described above ; 2. Keep the investigation open until the documentation is received and evaluated ; 3. Ensure that any reporting in the meantime is suspended or flagged as disputed, as required by law ; 4. Evaluate Chases ongoing violations for potential regulatory or enforcement action.","date_sent_to_company":"2025-07-17T01:39:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14702870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-17T01:34:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If Chase can not produce the requested documentation, I <em>demand</em> the <em>immediate</em> and permanent <em>deletion</em> of this <em>tradeline</em> from all consumer credit reports, as required under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nFailure to comply within 15 calendar days will constitute a willful violation of the above laws and may result in legal action under FCRA 1681n and 1681o, including the pursuit of statutory, actual, and punitive damages."]},"sort":[12.684626,"14702870"]},{"_index":"complaint-public-v1","_id":"15397819","_score":10.707977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, including wrong addresses, late payments, charge-offs, and collections. These errors have caused me financial harm, undue stress, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \nWrong Address Reporting XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OK XXXX Law Cited : FCRA XXXX ( b ) requires the use of reasonable procedures to assure maximum possible accuracy. Wrong addresses are clear violations of this principle. Further, under FCRA XXXX, disputed information must be corrected or deleted if unverifiable. \nStory ( Extended ) : Reporting addresses that I have never lived at or even been associated with has created unnecessary confusion. These wrong addresses suggest I have connections, homes, or obligations that are entirely false. Every time a lender reviews my credit file, they see addresses tied to me that dont belong, and this raises red flags as if I am hiding something or have unstable residency. Beyond this, the inclusion of false addresses exposes me to the serious risk of identity theft, where unknown individuals with those addresses could potentially link fraudulent accounts to my report. The presence of these wrong addresses not only violates the law but also damages my credibility, making me look irresponsible or even deceptive when in reality these entries are completely inaccurate. \n\nXXXX XXXX  XXXX XXXX XXXX XXXX Duplicate & Late Payments Issue : Duplicate negative reporting Balance {$120000.00} Opened XX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ) & XXXX ( b ). Reporting a duplicate account to reflect the same debt more than once is misleading and unlawful. \nStory ( Extended ) : This is essentially a duplicate or related record of the XXXX account above. Having both accounts reported makes it look like I have double the derogatory history from XXXX single debt, exaggerating the damage to my credit file. This is deceptive to creditors and highly prejudicial against me. Because duplicates unfairly double the impact of a negative record, they create inaccurate impressions about my credit history. Such reporting is clearly prohibited under federal law and must be deleted to meet the standard of accuracy. \n\nXXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$4900.00} Opened XX/XX/XXXX Law : FCRA requires strict accuracy. FDCPA XXXX prohibits false reporting of debt. \nStory ( Extended ) : This listing of charge off is not reflective of the true history of this account. It gives the impression that I abandoned a legal obligation without addressing it, when in truth, there are disputes and circumstances surrounding this debt that were not investigated or validated. Because of this charge-off status, my creditworthiness appears severely damaged, causing me to be denied critical financial products such as loans and credit cards. Each time a bank sees charge-off, they assume I am unreliable, when in reality the reporting is unfair and lacks legal validation. The distress of being treated as financially irresponsible in situations like applying for housing or credit cards is humiliating and harmful. \n\nXXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1100.00} Opened XX/XX/XXXX Law : FDCPA XXXX ( b ) requires full validation prior to collection or reporting. Unverified information must be deleted under FCRA XXXX. \nStory ( Extended ) : I raised disputes on this account, yet it continues to report as a charge-off as if no investigation was made. Allowing inaccurate or unverified derogatory remarks to remain on my file demonstrates negligence in compliance. Every time a creditor denies me, I am faced with explaining a charge-off that should not even exist if validation had been properly obtained. This undermines both my dignity and confidence as a consumer. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$1000.00} Opened XX/XX/XXXX Law : Same as above FCRA XXXX ; FDCPA XXXX ( b ). \nStory ( Extended ) : Having such small amounts reported as charge-offs still delivers devastating weight to my profile. Even if the debt is disputed or unvalidated, the mere presence of a charge-off makes lenders view me in the worst possible light. I deal with anxiety and worry every time I apply for credit, fearing this unjust reporting will be held against me. My financial reputation, built with effort, is being torn apart unfairly by information that can not even be verified. \n\nXXXX XXXX XXXX XXXX XXXX  Late Payments Issue : Balance {$12000.00} Opened : XX/XX/XXXX Late Payments Reported Law : FCRA XXXX ( a ) ( XXXX ) makes reporting of late payments older than 7 years illegal. \nStory ( Extended ) : The lateness reported here is so old that under the law it is legally prohibited from remaining. Yet the continued presence burdens me every day. Student loans already bring stress and challenges; compounding that with illegal negative reporting only worsens consumer hardships. These obsolete late payments misrepresent my financial responsibility to any prospective lender or employer. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two Accounts, Duplicate Charge Offs Issue : Charge Offs Balances {$4800.00} and {$11000.00} Both Opened XX/XX/XXXX Law : Reporting duplicate accounts creates false impressions of debt load a violation of FCRA accuracy standards.\n\nStory ( Extended ) : The duplicate reporting of these accounts has made it appear as though I owe significantly more than I do. This exaggerates my liabilities and portrays a misleading image of my repayment ability. The impact has been devastating, leading lenders to believe my debt-to-income ratio is far greater than reality, causing adverse credit decisions. This kind of unfair duplication has no justification and must be removed immediately. \n\nXXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charge Off {$5000.00} Opened XX/XX/XXXX Law : FCRA demands all derogatory information must be verified ; FDCPA requires validation upon dispute. \nStory ( Extended ) : I disputed this account, yet the charge off still stands. Unverified reporting is not legal. This tradeline presents me as someone who abandons repayments, tarnishing my profile in the eyes of future creditors. These false impressions have caused embarrassment and rejection. Without proper validation, maintenance of this tradeline is punishment without legal basis. \n\nXXXX XXXX XXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Type : Charge Off Issue : This account is being reported as Charge Off without showing proper payment records, settlement terms, or supporting details. The reporting is incomplete and does not present an accurate, full picture. \nLaw : Under FCRA XXXX ( a ), when a consumer disputes an account, the credit reporting agency must conduct a reasonable investigation. If complete and verified information can not be obtained, the tradeline must be corrected or deleted. Incomplete reporting makes the entry misleading, which is prohibited under FCRA XXXX ( b ). \nStory : During the time this debt allegedly charged off, I was going through severe personal and financial hardship, struggling to cover even basic expenses. I had reached out for assistance, but the limited options available at the time left me vulnerable. Despite my attempts to communicate, the account was abruptly charged off, and now it reflects negatively without any context that shows my true efforts to resolve matters. This incomplete reporting makes me appear irresponsible to lenders, when, in fact, my situation was XXXX of hardship, not recklessness. Because of this account, I was denied approval for a personal loan that could have helped consolidate and manage my expenses responsibly. As a result, my financial setback deepened unnecessarily. \n\nXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This appears to be a repeat of the earlier XXXX  collection account, reported again with slightly modified details. Such multiple listings distort my credit history and create artificially severe negative impact. \nLaw : Under FDCPA XXXX ( XXXX ) ( A ), misrepresenting the legal status of debt or presenting one debt as multiple is considered a deceptive collection practice. In addition, FCRA requires accuracy and prohibits duplicate or misleading reporting.\n\nStory : This small debt is exaggerated into a bigger issue by being reported twice under different entries. For a consumer trying to recover and rebuild, this is devastating. Even though the alleged balance is relatively low, the harm it causes by being doubled-up on my credit file is extreme. When I recently applied for renters insurance for my familys apartment, I was marked as high risk solely because of these repeated collections, making it harder and more expensive for my family to have even basic security. The unfairness of the situation can not be overstated my reputation and opportunities are being unfairly destroyed by a debt that should never appear twice. \nFinal Appeal and Demand Request for Action : XXXX. Conduct a thorough investigation of all disputed accounts and addresses. \nXXXX. Correct or delete all inaccurate, misleading, or unverifiable entries. \nXXXX. Provide written confirmation of corrections and deletions. \nXXXX. Investigate the credit furnishers for compliance with FCRA and FDCPA requirements. \nI request that CFPB intervene to ensure these inaccuracies are corrected promptly. Continued reporting of these erroneous accounts is a violation of federal law, and I reserve the right to pursue legal remedies if necessary. \nThank you for your immediate attention. I expect acknowledgment within the 30-day period required by FCRA, with a full resolution communicated in writing.","date_sent_to_company":"2025-08-21T00:42:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"748XX","tags":null,"has_narrative":true,"complaint_id":"15397819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T00:36:57.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Student loans already bring stress and <em>challenges</em>; compounding that with illegal <em>negative</em> reporting only worsens consumer hardships. These obsolete late payments misrepresent my financial responsibility to any prospective lender or employer."]},"sort":[10.707977,"15397819"]},{"_index":"complaint-public-v1","_id":"12059148","_score":8.800373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 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 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \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 XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) 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 ( XXXX ) 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 XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX 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 ( XXXX ) 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. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording 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.\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 XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX 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 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. 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 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 XXXX 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 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 CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-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 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 XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX 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 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 IN CLARITY above FURTHER, CONFIRM the XXXX 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 : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX 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 XXXX 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 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 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 XXXX ( XXXX ) 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 XXXX 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 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 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-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\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. \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 CRSA 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.\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. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX or XXXX federally required compliance with your <em>immediate</em> and dull eradication of any and XXXX of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.800373,"12059148"]},{"_index":"complaint-public-v1","_id":"12985281","_score":8.792767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THEY DIDNT CORRECT THE NAME AND ADDRESSES AS EXPERIAN STATED AS RESPONSE TO MY COMPLAINT. SENT A XXXX REQUEST FOR THIS TO BE CORRECTED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! \nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.\n\n1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE 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 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\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\n1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing wha\nt you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording 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\ncredit 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 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 XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX XXXX XXXXr Trailing Segment that is to include the minimally XXXX 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 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 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 XXXX 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 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 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?\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 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 rightness states, and even every aspect of the mandated XXXX 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 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 IN CLARITY above FURTHER, CONFIRM the XXXX 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 Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX 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 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 XXXX, XXXX 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 XXXX 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 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 XXXX 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? \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! \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. \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 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. \nThank you for your time and help in this matter. \nSincerely,","date_sent_to_company":"2025-04-14T18:50:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12985281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-14T18:35:54.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.792767,"12985281"]},{"_index":"complaint-public-v1","_id":"12058787","_score":8.792767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 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 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \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 XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) 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 ( XXXX ) 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 XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX 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 ( XXXX ) 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. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording 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.\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 XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX 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 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. 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 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 XXXX 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 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 CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-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 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 XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX 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 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 IN CLARITY above FURTHER, CONFIRM the XXXX 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 : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX 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 XXXX 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 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 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 XXXX ( XXXX ) 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 XXXX 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 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 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-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\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. \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 CRSA 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.\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. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12058787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-13T16:46:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX or XXXX federally required compliance with your <em>immediate</em> and dull eradication of any and XXXX of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.792767,"12058787"]},{"_index":"complaint-public-v1","_id":"12059119","_score":8.783175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 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 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \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 XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) 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 ( XXXX ) 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 XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX 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 ( XXXX ) 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. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording 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.\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 XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX 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 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. 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 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 XXXX 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 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 CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-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 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 XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX 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 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 IN CLARITY above FURTHER, CONFIRM the XXXX 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 : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX 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 XXXX 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 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 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 XXXX ( XXXX ) 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 XXXX 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 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 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-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\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. \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 CRSA 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.\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. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX or XXXX federally required compliance with your <em>immediate</em> and dull eradication of any and XXXX of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.783175,"12059119"]},{"_index":"complaint-public-v1","_id":"13566005","_score":8.745042,"_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":["You are not Authorized to \\nreport or even once alleged <em>adverse</em> remark unproven upon a requested \\ncompliance check."]},"sort":[8.745042,"13566005"]},{"_index":"complaint-public-v1","_id":"13565755","_score":8.736632,"_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":["You are not Authorized to \\nreport or even once alleged <em>adverse</em> remark unproven upon a requested \\ncompliance check."]},"sort":[8.736632,"13565755"]},{"_index":"complaint-public-v1","_id":"4323419","_score":8.630085,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.630085,"4323419"]},{"_index":"complaint-public-v1","_id":"8959696","_score":8.615158,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.615158,"8959696"]},{"_index":"complaint-public-v1","_id":"5955211","_score":8.615158,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.615158,"5955211"]},{"_index":"complaint-public-v1","_id":"4317594","_score":8.615158,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.615158,"4317594"]},{"_index":"complaint-public-v1","_id":"5955006","_score":8.609997,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.609997,"5955006"]},{"_index":"complaint-public-v1","_id":"4297526","_score":8.601132,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.601132,"4297526"]},{"_index":"complaint-public-v1","_id":"4297525","_score":8.601132,"_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":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.601132,"4297525"]},{"_index":"complaint-public-v1","_id":"4297509","_score":8.601132,"_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 : //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 Equifax, Experian, Innovis 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 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 : XXXX XXXX ACCOUNT # XXXXXX/XX/XXXXandXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TD Target 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. \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.\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 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":"2021-04-14T20:07:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11103","tags":null,"has_narrative":true,"complaint_id":"4297509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-04-14T18:34:34.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.601132,"4297509"]},{"_index":"complaint-public-v1","_id":"7438951","_score":8.537651,"_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":["Return or Retain federally required compliance with your \n<em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims \nor any aspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.537651,"7438951"]},{"_index":"complaint-public-v1","_id":"13557462","_score":8.534121,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone 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\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting 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\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations 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.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 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,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its 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 reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.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\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows: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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13557462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T20:00:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Return or Retain federally\\nrequired compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.534121,"13557462"]},{"_index":"complaint-public-v1","_id":"13550678","_score":8.519265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone 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\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting 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\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations 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.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 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,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its 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 reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.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\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows: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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13550678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T19:28:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Return or Retain federally\\nrequired compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.519265,"13550678"]},{"_index":"complaint-public-v1","_id":"13550422","_score":8.502335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone 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\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting 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\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations 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.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 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,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its 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 reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.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\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows: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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13550422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T20:00:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Return or Retain federally\\nrequired compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!!"]},"sort":[8.502335,"13550422"]},{"_index":"complaint-public-v1","_id":"8085590","_score":8.429604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, 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, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from 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 XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE XXXX XXXX DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR XXXX XXXX COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged 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 alle-gation ( 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 man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations 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. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness 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 identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced XXXX XXXX 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 com-pliance 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 COMPLI-ANT 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 infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording 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, ad-dresses 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 ad-dress 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. \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 re-quest 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 XXXX Zip Code for my Home Address The CRSA enacted XXXX 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 trade-line information oc-curs.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 XXXX 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 RE-AL- 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 SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY 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 con-sumer 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, XXXX and all CRA in-sourced XXXX 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, 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 XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing 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 cur-rent MY states reporting regulations as well as those of federal laws, even the XXXX METRO 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, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:23:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085590","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-01T00:22:56.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!!"]},"sort":[8.429604,"8085590"]},{"_index":"complaint-public-v1","_id":"8085589","_score":8.429604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged 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 alle-gation ( 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 man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations 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. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness 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 identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX 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 com-pliance 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 COMPLI-ANT 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 infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording 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, ad-dresses 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 ad-dress 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 re-quest 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 XXXX 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 trade-line information oc-curs.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 XXXX 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 RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA 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 XXXX SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY 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 con-sumer 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, XXXX and all CRA in-sourced XXXX XXXX MUST BE Metro 2 Compliance Data XXXX 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, 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 XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing 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 cur-rent 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, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:23:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085589","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-01T00:22:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!!"]},"sort":[8.429604,"8085589"]},{"_index":"complaint-public-v1","_id":"8085809","_score":8.400557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from 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. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged 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 alle-gation ( 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 man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations 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. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness 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 identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, 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 com-pliance 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 COMPLI-ANT 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 infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording 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, ad-dresses 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 ad-dress 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 re-quest 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 Metro 2 XXXX 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 trade-line information oc-curs.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 XXXX 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 RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA 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 XXXX SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY 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 con-sumer 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, XXXX and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data XXXX 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, 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 XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing 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 cur-rent MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit XXXX Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:22:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-01T00:12:24.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Return or Retain federally required compliance with your <em>immediate</em> and dull eradication of any and one of the <em>adverse</em> and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!!"]},"sort":[8.400557,"8085809"]},{"_index":"complaint-public-v1","_id":"13569714","_score":8.196457,"_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":["You are not Authorized to \\nreport or even once alleged <em>adverse</em> remark unproven upon a requested \\ncompliance 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