{"took":333,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":121,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6821846","_score":18.062038,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? \nLets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof","date_sent_to_company":"2023-04-10T16:05:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"6821846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-10T16:05:23.000Z","state":"AL","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":["Can you provide more information about your process for ensuring 100 % <em>compliance</em> across all areas? \nLets examine Liability showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/."]},"sort":[18.062038,"6821846"]},{"_index":"complaint-public-v1","_id":"6821929","_score":18.054157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? \nLets examine Liability showing 0 Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof","date_sent_to_company":"2023-04-10T16:04:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"6821929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-10T15:38:41.000Z","state":"AL","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":["Can you provide more information about your process for ensuring 100 % <em>compliance</em> across all areas? \nLets examine Liability showing 0 Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020."]},"sort":[18.054157,"6821929"]},{"_index":"complaint-public-v1","_id":"11569018","_score":17.32378,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXX/XX/XXXXXXXX Account # : Equifax Account Equifax Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor XXXX XXXX - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXX/XX/XXXXXXXX ( XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11569018","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T21:02:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you can not adhere to <em>compliance</em> <em>standards</em> and prove your adherence to <em>compliance</em> <em>standards</em> please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed."]},"sort":[17.32378,"11569018"]},{"_index":"complaint-public-v1","_id":"11565013","_score":17.315987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet XXXX XXXX Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11565013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T21:02:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you can not adhere to <em>compliance</em> <em>standards</em> and prove your adherence to <em>compliance</em> <em>standards</em> please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed."]},"sort":[17.315987,"11565013"]},{"_index":"complaint-public-v1","_id":"11576994","_score":17.310608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11576994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T20:57:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you can not adhere to <em>compliance</em> <em>standards</em> and prove your adherence to <em>compliance</em> <em>standards</em> please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed."]},"sort":[17.310608,"11576994"]},{"_index":"complaint-public-v1","_id":"8107355","_score":15.893721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian XXXX : XXXX XXXX XXXX XXXX - My name is XXXX XXXX. If you have any other names listed for me in your system, please delete them so that your database has accurate information about me. CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX - XXXX The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. Lets examine Term Length ( XXXX ) showing Revolving I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! I was looking at Last Payment ( XXXX ) expressing - It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. I was looking at Account Status ( XXXX ) expressing Closed The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Account # ( XXXX ) presenting XXXX I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! XXXX  XXXX XXXX  - XXXX I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. Lets take a look at Payment Amount ( XXXX ) reporting -. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report When I scrutinized XXXX  Year Payment History presenting XXXX XXXX XXXX XXXX OK OK I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. Bring to your attention Account Type ( XXXX ) reporting REVOLVING I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. Lets examine Date Reported ( - ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? Upon inspecting Creditor Type ( - ) exhibiting Credit Card. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! Lets examine Term Length ( XXXX ) showing Revolving. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! XXXX XXXX  - XXXX The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards. Upon inspecting Last Payment ( XXXX ) exhibiting -. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. When I scrutinized 2 Year Payment History presenting XXXX XXXX XXXX XXXX XXXX XXXX OK OK. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. Viewing Creditor Type ( - ) demonstrating Credit Card. I am reaching out to you because the content of this account does not meet XXXX XXXX Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! Viewing Credit Limit ( XXXX ) demonstrating {$3700.00}. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? Viewing Payment Amount ( XXXX ) demonstrating -. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! Upon inspecting Account Description exhibiting Individual. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % XXXX XXXX XXXX XXXXXXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. Also, see the image above for XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Term Length ( XXXX ) expressing Revolving. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. I want to bring to your attention Account Status ( XXXX ) reporting Closed The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! I want to bring to your attention 2 Year Payment History reporting XXXX XXXX XXXX XXXX XXXX XXXX OK. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? XXXX XXXX XXXX XXXX XXXX It's very important that your company complies with all applicable consumer laws and reporting standards. I am disappointed that you have failed to provide any documentation to prove compliance. If this report is not deleted immediately, legal action will be taken against your company. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Creditor Type ( - ) expressing Auto Loan and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. Please delete this account from my credit report immediately. Upon inspecting High Balance ( XXXX ) exhibiting {$11000.00}. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! Viewing Date Opened ( XXXX ) demonstrating XX/XX/XXXX. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Lets examine Creditor Remarks ( XXXX ) showing Completed investigation of FCRA dispute consumer disagrees Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! I was looking at Account # ( XXXX ) expressing XXXX. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. I was looking at Date of Last Activity ( XXXX ) expressing XX/XX/XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! XXXX XXXX - XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Viewing High Balance ( XXXX ) demonstrating {$160.00}. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Upon inspecting Account # ( XXXX ) exhibiting XXXX. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. Lets examine Creditor Type ( - ) showing XXXX XXXX XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! XXXX - XXXX The derogatory information above was never proven to be compliant with reporting standards. The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for SYNCB/PPC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Creditor Remarks ( XXXX ) expressing- The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! Viewing Payment Status ( XXXX ) demonstrating Charge-off. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! Upon inspecting Creditor Type ( - ) exhibiting Credit Card. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. When I scrutinized Balance Owed ( XXXX ) presenting {$1900.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards When I scrutinized Last Payment ( XXXX ) presenting- This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! Lets examine Term Length ( XXXX ) showing Revolving Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! XXXX XXXX XXXX - XXXX The information you provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. Also, see the image above for XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Payment Amount ( XXXX ) exhibiting -. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets take a look at Payment Status ( XXXX ) reporting Charge-off. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. When I scrutinized High Balance ( XXXX ) presenting- I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! XXXX XXXX XXXX - XXXX The data above was never certified to meet any reporting standards. It's also worth noting that this information may be incomplete, outdated, or unsupported. I would like to see any incorrect or unsupported material removed from this page. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Lets examine Term Length ( XXXX ) showing Revolving I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. Bring to your attention Last Payment ( XXXX ) reporting - What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! Viewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) - XXXX The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Account Status ( XXXX ) presenting XXXX. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! Viewing XXXX XXXX ( XXXX ) demonstrating {$6900.00} The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. I want to bring to your attention Creditor Remarks ( XXXX ) reporting Account information disputed by consumer under the Fair Credit Reporting Act. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. When I scrutinized High Balance ( XXXX ) presenting {$6900.00}. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant. Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I was recently looking at my credit report and found an alleged hard inquiry on it. I was shocked because I didn't authorize anyone to access my credit information. According to the Fair Credit Reporting Act, no one is allowed to access your credit information without your permission. So I'm asking you to provide me proof that this company had permission to access my credit information. If you can't provide that proof, then please delete the alleged inquiries immediately. XXXX, XXXX XX/XX/XXXX Experian .It seems that a few unfamiliar companies have put an inquiry on my credit report, but I'm not sure how they could have done that without my permission. The U.S. Code states that anyone who obtains a credit report must have a 'permissible purpose ' under the Fair Credit Reporting Act. Can you please remove this inquiry from my credit file, or provide me with documentation that shows you have a valid reason for making it? XXXX XX/XX/XXXX Experian I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported, and if it was reported, then why did they let it happen? The Fair Credit Reporting Act states that no one may access your information without permission from you first, so please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company. Otherwise, delete the alleged inquiries immediately. XXXX XXXX XX/XX/XXXX Experian I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. Faithfully According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.","date_sent_to_company":"2024-01-04T17:47:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8107355","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-04T17:43:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Lets examine Creditor Remarks ( XXXX ) showing Completed investigation of FCRA dispute consumer disagrees Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it!"]},"sort":[15.893721,"8107355"]},{"_index":"complaint-public-v1","_id":"8106774","_score":15.604367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX- I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, please delete them immediately. CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and if you have any listings with different address ( s ), please delete them immediately so the information you have on file for me is accurate. XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Credit Limit ( XXXX ) presenting {$10000.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Upon inspecting Term Length ( XXXX ) exhibiting -. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. Lets examine Payment Amount ( XXXX ) showing {$0.00} The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! XXXX XXXX XXXX - XXXX The information provided above has not been certified to meet any reporting standards. The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Date Opened ( XXXX ) exhibiting XX/XX/XXXX. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA. Viewing Date Reported ( - ) demonstrating XX/XX/XXXXXXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXXXXXX I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Bring to your attention Account Type ( XXXX ) reporting Revolving account I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. Lets examine Past Due Amount ( XXXX ) showing - Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! When I scrutinized Creditor Type ( - ) presenting Revolving account. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! XXXX XXXX  - XXXX I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. Also, see the image above for XXXX CARD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Payment Status ( XXXX ) exhibiting Charged off as bad debt. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets take a look at Date Opened ( XXXX ) reporting XX/XX/XXXX. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. When I scrutinized Past Due Amount ( XXXX ) presenting -. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant I was looking at Payment Amount ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! Viewing Account Status ( XXXX ) demonstrating Closed is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. XXXX XXXX - XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. Also, see the image above for XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Last Payment ( XXXX ) expressing -. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. Lets examine Term Length ( XXXX ) showing -. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. Viewing Account Description demonstrating Individual account. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX XXXX XXXX XXXX The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Creditor Type ( - ) presenting Installment account This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! I was looking at Balance Owed ( XXXX ) expressing {$2400.00}. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately! Lets take a look at Date Opened ( XXXX ) reporting XX/XX/XXXX. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Payment Status ( XXXX ) exhibiting Charged off as bad debt. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. Lets examine High Balance ( XXXX ) showing {$11000.00} Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! XXXX XXXX XXXX  - XXXX The data above was never certified to meet any reporting standards. It's also worth noting that this information may be incomplete, outdated, or unsupported. I would like to see any incorrect or unsupported material removed from this page. Also, see the image above for XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Account # ( XXXX ) expressing XXXX The data on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. When I scrutinized Account Description presenting Individual account I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! XXXX XXXX - XXXX I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized 2 Year Payment History presenting I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! Viewing Balance Owed ( XXXX ) demonstrating {$160.00}. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! Viewing High Balance ( XXXX ) demonstrating {$160.00} The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. XXXX - XXXX I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. Also, see the image above for XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! Upon inspecting 2 Year Payment History exhibiting. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! I was looking at Account # ( XXXX ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! XXXX XXXX XXXX - XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXXXXXX  The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. I want to bring to your attention Last Payment ( XXXX ) reporting -. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXXXXXX  I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! When I scrutinized Balance Owed ( XXXX ) presenting {$7900.00} I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. XXXX XXXX XXXX - XXXX The above-mentioned content was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated! Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I want to bring to your attention Past Due Amount ( XXXX ) reporting - The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the CDIA. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! Viewing Last Payment ( XXXX ) demonstrating -. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? Upon inspecting Account Description exhibiting Individual account. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. Upon inspecting Account Status ( XXXX ) exhibiting Closed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! Bring to your attention 2 Year Payment History reporting What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! Inquiries ELAN FINANCI XX/XX/XXXXXXXX  TransUnion I received a copy of my credit report and noticed a credit inquiry from a company that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiry. XXXX XXXX  XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. XXXX XXXX  XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all! Yours Truly You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.","date_sent_to_company":"2024-01-04T17:53:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8106774","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-04T17:47:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["That includes following the Credit Reporting Industry 's Metro 2 Format <em>standards</em>. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. Lets examine Past Due Amount ( XXXX ) showing - Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it!"]},"sort":[15.604367,"8106774"]},{"_index":"complaint-public-v1","_id":"4033548","_score":15.474531,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian failed to conduct a reasonable investigation to ensure the \" Maximum Possible Accuracy ''. Credit Reporting Agencies are not supposed to merely \" Parrot '' what a data furnisher has provided, but to conduct an independent investigation to ensure that the information reported by the data furnisher is inaccurate and complete. I reviewed a current Experian Credit report ( # XXXX ) and it is evident that a reasonable investigation has not been conducted, but e-Oscar had been used to verify that the account is reporting accurate. So, I ' am providing evidence that the account could not be accurate or complete. \n\nMy understanding is that the Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. Please, tell me how you verified this account to be accurate and complete, and who it is that you verified it with. This is reported as charged off account and transferred/sold to THE BEST SERVICE COMPANY ( Account # XXXX ). However, XXXX XXXX XXXX XXXX XXXX and account # XXXX is still reporting a current balance and past due balance on the account. This is evidence that a reasonable investigation has not been conducted to ensure the MAXIMUM POSSIBLE ACCURACY. Im providing you a copy of my recent credit report and see that you are reporting inaccurate and incomplete information according your industry standards. To make it easier for you to I have drew circles and numbered the areas of focus. Im also, including the Metro 2 2020 guide information that I was able to find on line so that you will know exactly how the account is supposed to be reporting. \nField 7- Consumer Account is incomplete. This account has been truncated ( XXXX .... ) and is in non-compliance. There should be no special characteristics, only the number as furnished by the data furnisher. \nField 21- Current Balance is inaccurate, because a charged-off account can not have a current balance once the account has been transferred or sold Field 22- Past Due is inaccurate, because a charged-off account can not have a past due amount once it has been transferred or sold. \nField 25-Date of First Delinquency is incomplete, because it is not being reported on this report. THIS IS OUT OF COMPLIANCE A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action, shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. \nField 26- Date Closed is incomplete, because it is not being reported. \nField 27- Date of last payment is incomplete, because it is not being reported.","date_sent_to_company":"2020-12-28T09:28:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92113","tags":null,"has_narrative":true,"complaint_id":"4033548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-28T04:10:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account has been truncated ( XXXX .... ) and is in non-<em>compliance</em>. There should be no special characteristics, only the number as furnished by the <em>data</em> furnisher. \nField 21- Current Balance is <em>inaccurate</em>, because a charged-off account can not have a current balance once the account has been transferred or sold Field 22- Past Due is <em>inaccurate</em>, because a charged-off account can not have a past due amount once it has been transferred or sold."]},"sort":[15.474531,"4033548"]},{"_index":"complaint-public-v1","_id":"14212793","_score":14.891798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is continuing to report inaccurate, outdated, and misleading information on my credit reportinformation that I already disputed and clearly proved to be non-compliant with XXXX XXXX FCRA, and FDCPA standards. Despite this, Equifax falsely claimed the accounts were verified and even updated some of them without correcting the core violations. This proves they did not conduct a real investigation, which is the same misconduct they have already been fined for in the past. All of these same accounts, XXXX  have found inaccurate and deleted from my report. Equifax continues to violate my rights and report this inaccurate information. There is no way a thorough or lawful investigation occurred if the same errors and illegal data are still present. I am demanding immediate deletion, not another denial. I have clearly highlighted and pointed out all of the evidence in the ways of which Equifax in violation of my rights I also encourage you to reference complaints I am demanding the immediate and permanent deletion of all inaccurate accounts I previously disputed, including those reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Equifax must cease reporting any item that violates XXXX XXXX compliance, FCRA, or FDCPA standards. I also demand a full explanation of their method of verification, including supporting documentation. If Equifax can not validate the accounts with actual contracts bearing my signature, they must be deleted immediately. This complaint should trigger enforcement action due to Equifaxs repeated failure to conduct real investigations reference my first CFPB complaint # XXXX and tell me how Equifax has done affair and complete investigation and verify this information, but the same inaccuracies are reporting from my initial complaint with the exception of a few that they actually investigated and removed. each one of these accounts was also disputed with XXXX, and they followed through after verifying the accounts were inaccurate and removed all of them.","date_sent_to_company":"2025-06-23T07:46:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"14212793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-23T07:30:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of these same accounts, XXXX  have found <em>inaccurate</em> and deleted from my report. Equifax continues to violate my rights and report this <em>inaccurate</em> information. There is no way a thorough or lawful investigation occurred if the same errors and illegal <em>data</em> are still present. I am demanding immediate deletion, not another denial."]},"sort":[14.891798,"14212793"]},{"_index":"complaint-public-v1","_id":"7957487","_score":14.614149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XX/XX/XXXX the required standards. Experian XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX XXXX- I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, please delete them immediately. CURRENT ADDRESS : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - My only address is XXXX XXXX XXXX XXXX XXXX XXXX. Please make sure you remove any address in your system which does not match the address listed on this letter. XXXX XXXX XXXX XXXX  Experian 2 Year Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$380.00} Credit Limit : XXXX {$300.00} Creditor Remarks : XXXX Account information disputed by consumer, meets FCRA requirements Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$60.00} Payment Amount : XXXX {$30.00} Payment Status : XXXX Late 30 Days Term Length : XXXX XXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Account # ( XXXX ) demonstrating XXXX. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! When I scrutinized Credit Limit ( XXXX ) presenting {$300.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. Lets examine Term Length ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! Upon inspecting Account Type ( XXXX ) exhibiting Revolving. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. I was looking at Balance Owed ( XXXX ) expressing {$380.00} It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing 2 Year Payment History demonstrating OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Viewing High Balance ( XXXX ) demonstrating {$0.00}. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? I want to bring to your attention Account Type ( XXXX ) reporting Installment The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the CDIA. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! Viewing Date Opened ( XXXX ) demonstrating XX/XX/XXXX. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX XXXX Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$2600.00} Credit Limit : XXXX {$1000.00} Creditor Remarks : XXXX Dispute XXXX XXXX customer disagrees Creditor Type : - Flexible spending credit card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2600.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$570.00} Payment Amount : XXXX {$130.00} Payment Status : XXXX Late 120 Days Term Length : XXXX XXXX The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. Lets examine Credit Limit ( XXXX ) showing {$1000.00}. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. Upon inspecting Payment Amount ( XXXX ) exhibiting {$130.00}. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % XXXX XXXX XXXX XXXXXXXX Experian 2 Year Payment History XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$1000.00} Creditor Remarks : XXXX Dispute XXXX XXXX reported by XXXX Creditor Type : - Flexible spending credit card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$390.00} Payment Amount : XXXX {$85.00} Payment Status : XXXX Late 120 Days Term Length : XXXX XXXX The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted. Also, see the image above foXXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Creditor Type ( - ) presenting Flexible spending credit card This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! Lets examine Payment Status ( XXXX ) showing Late 120 Days The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? When I scrutinized 2 Year Payment History presenting XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliantViewing Account XXXX ( XXXX ) demonstrating Closed is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. I want to bring to your attention Balance Owed ( XXXX ) reporting {$2400.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! When I scrutinized Last Payment ( XXXX ) presenting XX/XX/XXXX. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards XXXX - XXXX Experian 2 Year Payment History XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Closed XXXX XXXX : - Secured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX - Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. Also, see the image above for XXXX XXXX XXXX  ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Account # ( XXXX ) exhibiting XXXX. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! Upon inspecting High Balance ( XXXX ) exhibiting {$2400.00}. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. I was looking at Past Due Amount ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurat accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! XXXX XXXX XXXX XXXX  Experian 2 Year Payment History XXXX OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Closed XXXX XXXX : - Unsecured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$60.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The derogatory information above was never proven to be compliant with reporting standards. The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for XXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting XXXX XXXX XXXX ( XXXX ) exhibiting {$0.00}. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information I was looking at Creditor Remarks ( XXXX ) expressing Closed and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. Please delete this account from my credit report immediately. I was looking at Account # ( XXXX ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! I was looking at Account Status ( XXXX ) expressing Closed. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! When I scrutinized Account Description presenting Individual I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! Upon inspecting Term Length ( XXXX ) exhibiting XXXX. There are certain things I can not live without. XXXX of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! XXXX XXXX - XXXX Experian 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$250.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Collection Account Placed for collection Creditor Type : - Family support Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$0.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$250.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX This information is not accurate and does not meet the minimum standards for compliance. I demand that this be fixed immediately, or else legal action will ensue. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional arareas of concern. Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXX. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA. Lets examine Account Description showing Individual I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. Lets take a look at Payment Status ( XXXX ) reporting Collection/Chargeoff. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Creditor Remarks ( XXXX ) exhibiting Collection Account Placed for collection. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. I want to bring to your attention High Balance ( XXXX ) reporting {$0.00}. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? XXXX XXXX XXXXXXXX Experian 2 Year Payment XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$7000.00} Credit Limit : XXXX {$6500.00} Creditor Remarks : XXXX Charged off as XXXX XXXX Profit and loss write-off Creditor Type : - Charge account Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$7000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$7000.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The content mentioned above was never certified to meet the reporting standards. The data provided was never verified, so it's possible that it's not accurate or up-to-date. I need documentation that confirms this data is in line with the reporting obligations and any consumer protection laws. If this information is inaccurate or incomplete, I demand that it be deleted immediately. Also, see the image above for SYNCB/CARECR ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Balance Owed ( XXXX ) expressing {$7000.00} The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements Bring to your attention XXXX XXXX XXXX ( XXXX ) reporting {$7000.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the XXXX XXXX XXXX XXXX XXXX XXXX Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. I want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. Lets examine Last Payment ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! XXXX - XXXX Experian 2 Year Payment History Account # : XXXX XXXX Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$5200.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Collection Account XXXX for collection Creditor Type : - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$5200.00} Last Payment : XXXX - Past Due Amount : XXXX {$5200.00} Payment Amount : XXXX {$0.00} Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX experian XXXX XXXX XXXX, XXXX. TX XXXX Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down XXXX XXXX and an issue which XXXX have been preventable occurs due to a lack of accurate information. Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Account Status ( XXXX ) presenting Derogatory I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems to be some discrepancies and I would like them resolved immediately! Lets examine XXXX XXXX ( XXXX ) showing {$5200.00} Compliance with XXXX XXXX XXXX is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! When I scrutinized Account # ( XXXX ) presenting XXXX I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the right guidelines.","date_sent_to_company":"2023-12-07T05:51:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"115XX","tags":null,"has_narrative":true,"complaint_id":"7957487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-07T05:40:47.000Z","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":["You must make sure all fields are filled out correctly and in 100 % <em>compliances</em> prior adding anything onto my credit profile! Please remove this <em>inaccurate</em> record from my report or provide proof of your <em>compliance</em> with applicable <em>standards</em>. Lets examine Term Length ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is!"]},"sort":[14.614149,"7957487"]},{"_index":"complaint-public-v1","_id":"16161559","_score":13.733775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account is reporting inaccurately. Please verify full compliance with FCRA 611 and Metro 2 standards. If not verifiable, delete immediately. \n\nThis debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. \n\nTell me when you think the Statue of limitations expires for this debt, and how you determined that. If there have been any additional interest fees, or charges added since the last billing statement. Provide and itemization showing the date and amount of each added amount. Please explain how these charges creating the debt, expressly authorized by the consumer agreement or are permitted by law. If there have been any payment or other reductions such a s XXXX  coverage refund since the last billing statement? Provide an itemization showing the dated and amount of each of them and how those reductions or payments were accrued in your firms procedure. Please provide a copy of the Notice Repossession sent to me and of the document delivery. \nPlease provide copies of the legal notices and proof of the commercially reasonable of the resale of the subject Please describe your credit Bureau Reporting system and the credit reporting mechanism your firm utilizes regarding Metro-2 Compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. \nPlease describe how your firm ensures comprehensive accuracy and input of all consumer data consistency or breaches in information transmission quality reported to under your firm 's CRB agreement with any Credit Reporting Agency Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this is account is very high therefore. \nWHAT YOU NEED TO KNOW I believe that your firms violated the Fair Credit Reporting Act.","date_sent_to_company":"2025-09-24T11:45:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"16161559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-24T11:44:59.000Z","state":"AL","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":["This account is reporting <em>inaccurately</em>. Please verify full <em>compliance</em> with FCRA 611 and Metro 2 <em>standards</em>. If not verifiable, delete immediately. \n\nThis debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it."]},"sort":[13.733775,"16161559"]},{"_index":"complaint-public-v1","_id":"16161558","_score":13.716238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account is reporting inaccurately. Please verify full compliance with FCRA 611 and Metro 2 standards. If not verifiable, delete immediately. \n\nThis debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. \n\nTell me when you think the Statue of limitations expires for this debt, and how you determined that. If there have been any additional interest fees, or charges added since the last billing statement. Provide and itemization showing the date and amount of each added amount. Please explain how these charges creating the debt, expressly authorized by the consumer agreement or are permitted by law. If there have been any payment or other reductions such a s XXXX coverage refund since the last billing statement? Provide an itemization showing the dated and amount of each of them and how those reductions or payments were accrued in your firms procedure. Please provide a copy of the Notice Repossession sent to me and of the document delivery. \nPlease provide copies of the legal notices and proof of the commercially reasonable of the resale of the subject Please describe your credit Bureau Reporting system and the credit reporting mechanism your firm utilizes regarding Metro-2 Compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. \nPlease describe how your firm ensures comprehensive accuracy and input of all consumer data consistency or breaches in information transmission quality reported to under your firm 's CRB agreement with any Credit Reporting Agency Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this is account is very high therefore. \nWHAT YOU NEED TO KNOW I believe that your firms violated the Fair Credit Reporting Act.","date_sent_to_company":"2025-09-24T11:45:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"16161558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-24T11:44:59.000Z","state":"AL","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":["This account is reporting <em>inaccurately</em>. Please verify full <em>compliance</em> with FCRA 611 and Metro 2 <em>standards</em>. If not verifiable, delete immediately. \n\nThis debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it."]},"sort":[13.716238,"16161558"]},{"_index":"complaint-public-v1","_id":"15142812","_score":13.636011,"_source":{"product":"Debt collection","complaint_what_happened":"LVNV FUNDING LLC XXXX OF RESURGENT CAPITAL XXXX, SC XXXX XX/XX/XXXX To whom it XXXX concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : \" ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. \n\nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC ( XXXX ) - ( XXXX ) XXXX LVNV FUNDING LLC - XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1800.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1800.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount I noticed the account LVNV FUNDING LLC ( XXXX ) is reported incorrectly on my credit report. It shows a rating of CollectionOrChargeOff with dates XXXX and XXXX. This affects my ability to get financing. Please remove this account as required by 15 U.S.C. 1681c. Also, provide proof of the {$1800.00}.\n\nAlso, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\nWhen I scrutinized Date Opened ( XXXX ) presenting XXXX I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. \nI want to bring to your attention Creditor Type ( - ) reporting Finance. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!?\n\nLets examine Date of Last Activity ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \n\nLVNV FUNDING LLC - XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1500.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2200.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount The account LVNV FUNDING LLC with number XXXX is not correct on my credit reportits showing a rating of CollectionOrChargeOff. You mentioned the account was opened on XXXX and the last activity was on XXXX, but this doesnt add up. Please remove this account as soon as possible. \n\nYou also mentioned the last verification date was XXXX. Under 15 U.S.C. 1681i, you need to show me the information you used to verify this account. Also, I need proof of the {$1500.00}, as I dont owe this.\n\nJust like in Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), incorrect info must be deleted. Please make this correction.\n\nAlso, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\n\n\nI was looking at Date Opened ( XXXX ) expressing XXXX and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. \n\nPlease delete this account from my credit report immediately. \n\nI want to bring to your attention Date of Last Activity ( XXXX ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! \nViewing Payment Status ( XXXX ) demonstrating CollectionOrChargeOff. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? \n\nLVNV FUNDING LLC - XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1400.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX -- Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1400.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount The account LVNV FUNDING LLC ( XXXX ) is incorrectly listed on my credit report as CollectionOrChargeOff, with dates XXXX and XXXX. This mistake is stopping my financing applications. \n\nAs per 15 U.S.C. 1681m, I am requesting the immediate deletion of this account and proof of the {$1400.00}. \n\nAlso, see the image above for LVNV FUNDING LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\nWhen I scrutinized Term Length ( XXXX ) presenting 1. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with XXXX XXXX standards Lets take a look at Credit Limit ( XXXX ) reporting XXXX. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the XXXX XXXX standards. There can be no deviation from these requirements. \n\nWhen I scrutinized Account # ( XXXX ) presenting XXXX. The information reported doesn't seem to meet the standards set by XXXX XXXX guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. \n\nYou are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law. \n\nAppreciatively, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CO XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.","date_sent_to_company":"2025-08-07T22:01:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"80010","tags":null,"has_narrative":true,"complaint_id":"15142812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-08-07T20:26:35.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Lets examine Date of Last Activity ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it!"]},"sort":[13.636011,"15142812"]},{"_index":"complaint-public-v1","_id":"13431369","_score":13.320706,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). \nI am formally disputing inaccurate information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I demand that this dispute be investigated in compliance with federal law.\n\nYour history of failing to comply with dispute resolution laws is well-documented : XXXX XXXX XXXX ) Fined {$15.00} XXXX for ignoring consumer disputes and reinstating incorrect information. \nXXXX XXXX XXXXXXXX ) Sued for manipulating dispute outcomes and failing to correct errors. \nTransUnion ( XXXX ) Lost a {$60.00} XXXX jury verdict for false security watchlist labeling. \nI expect a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX Additionally, you are required to confirm receipt of this dispute within 14 business days. \nTHIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX XXXX ). Failure to respond will lead to immediate legal escalation. \nSincerely, XXXX XXXX XXXX Page 1 of 11 To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX XXXX Account Status : XXXX Open Account Type : XXXXXXXX XXXX Balance Owed : XXXX {$250000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX Creditor Type : -Banking Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$270000.00} Last Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 11 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX Type : XXXX {$1600.00} AsAgreed XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Past Due Amount : XXXX Payment Frequency : XXXX Term Length : XXXX -- -- - The information in the upper section was never proven to meet compliance reporting standards. The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets examine Account XXXX ( XXXX ) showing Mortgage I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! \nWhen I scrutinized Payment Amount ( XXXX ) presenting {$1600.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. \nLets examine Payment Status ( XXXX ) showing AsAgreed Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nUpon inspecting Balance Owed ( XXXX ) exhibiting {$250000.00}. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA.\n\nUpon inspecting Last Verified ( XXXX ) exhibiting XXXX. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. \nI was looking at High Balance ( XXXX ) expressing {$270000.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. \nXXXX XXXX XXXX  XXXX - XXXX Page 3 of 11 TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$32000.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$37000.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$710.00} Payment Frequency : XXXX Payment Status : XXXX AsAgreed Term Length : XXXX Loan Type : Automobile The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. \nAlso, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nI want to bring to your attention Payment Amount ( XXXX ) reporting {$710.00}. \nThis account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. \nUpon inspecting Account Type ( XXXX ) exhibiting Installment. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX adherence to applicable compliance standards for this particular account. \nI want to bring to your attention Payment Status ( XXXX ) reporting AsAgreed. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? \nXXXX XXXX XXXX - XXXX TransUnion TransUnion Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$5700.00} Closed Date : XXXX Credit Limit : XXXX Creditor Remarks : XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : -XXXX  Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX Y High Balance : XXXX {$5700.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. According to your records, this account is currently listed as XXXX, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. \nUnder XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 5 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  SC XXXX SSN : XXXX DOB : FXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX this account, along with evidence supporting the {$5700.00}, as I firmly dispute this amount. \nThe significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXXXXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). \nIn this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. \nFurthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. \nConsidering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. \nAlso, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). \nIve highlighted and circled additional areas of concern. \nLets examine Date Opened ( XXXX ) showing XXXX. That's not quite right. \nWhat is your current level of compliance with XXXX  standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! \nLets examine Creditor Type ( - ) showing XXXX XXXX with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! \nWhen I scrutinized High Balance ( XXXX ) presenting {$5700.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Viewing Account # ( XXXX ) demonstrating XXXX. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately!\n\nLets examine Last Verified ( XXXX ) showing XXXX. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. \nXXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Page 6 of 11 Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$4900.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX PROFIT AND LOSS WRITEOFF Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5400.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I am writing to dispute the inaccurate reporting of the accounXXXX XXXX XXXX  with number XXXX on my credit report. This account is currently reflected as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I am formally requesting that this account be removed immediately. \nAs outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate information and have it corrected or deleted if it can not be verified. Therefore, I request that you provide the documentation used to verify this accounts accuracy, including proof of the {$4900.00}, as I dispute this amount.\n\nTwo legal cases further highlight the obligations of credit reporting agencies. \nIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that failure to conduct an adequate investigation into a consumer dispute is a direct violation of the FCRA. This case underscores your responsibility to investigate and rectify any inaccuracies promptly. \nSimilarly, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced that inaccurate or unverifiable information must be corrected or removed from a consumers credit report. The precedent set in these cases supports my demand for a thorough investigation into the inaccuracies on my report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 7 of 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX XXXX XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nWhen I scrutinized Last Verified ( XXXX ) presenting XXXX I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems to be some discrepancies and I would like them resolved immediately! \nI was looking at Account Rating ( XXXX ) expressing CollectionOrChargeOff. \nThere is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nI want to bring to your attention High Balance ( XXXX ) reporting {$5400.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! \nI want to bring to your attention Account Description reporting Individual The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nBring to your attention Creditor Remarks ( XXXX ) reporting PROFIT AND LOSS WRITEOFF What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! \nXXXX  - XXXX TransUnion Account # : XXXX Account Rating : XXXX Account Type : XXXX Closed Date : XXXX XXXX Installment XXXX Creditor Remarks : XXXX Date Opened : XXXX XXXX TransUnion Account Description : Individual Account Status : XXXX Balance Owed : XXXX Credit Limit : XXXX Creditor Type : Date Reported : Open {$2100.00} XXXX Finance XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX {$1700.00} XXXX {$240.00} Late30Days Loan Type : - TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute Status : XXXX Last Payment XXXX XXXX XXXX Due Amount : XXXX XXXX -- - Payment Frequency : XXXX Term Length : XXXX -- - The information above has not been verified to meet reporting standards. \nThe data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nIve highlighted and circled additional areas of concern. \nWhen I scrutinized Account # ( XXXX ) presenting XXXX. \nCompliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Upon inspecting Last Verified ( XXXX ) exhibiting XXXX. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Viewing Payment Amount ( XXXX ) demonstrating {$240.00}. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? \nAs a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated Yours Truly XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action","date_sent_to_company":"2025-05-09T10:06:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29418","tags":null,"has_narrative":true,"complaint_id":"13431369","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-09T10:02:39.000Z","state":"SC","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":["Lets examine Payment Status ( XXXX ) showing AsAgreed Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nUpon inspecting Balance Owed ( XXXX ) exhibiting {$250000.00}. These discrepancies are alarming and I'm confident you'll resolve them quickly."]},"sort":[13.320706,"13431369"]},{"_index":"complaint-public-v1","_id":"6374434","_score":12.955246,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it might concern, Might 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 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 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 XXXX ( 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. \nYour 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. 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 XXXX data field formatted reporting! \n\nOBVIOUSLY, in this Notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ) I would like to make known my challenge versus any information by which you fail to present demonstrated PROOF physically to m of the adequate testament of FACTS as related to each and every notation and or aspect of the report allegations, how reported, and the certified Metro 2 Compliance status of any and all entities involved and or tangentially related to the unlawful retaining and reporting of misinformation even beyond my composition of writ complaint compelling you to abide by any and all federal laws and or related regulations within MY STATE. As you might well have concluded, recently while reviewing my report I found a number of likely mistakes and inaccuracies that you are reporting ( again, UNLAWFULLY SO might I add ), among the most troubling are listed below ( see below ) and clearly involves a failure by your firm to maintain reasonable procedures to assure maximum possible accuracy of consumer credit information 15 U.S.C. 1681. It is with CLARITY that it is UNPROVEN these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to me. In fact, with your apparent consistency with being extraordinarily INCONSISTENT has to make the question to the actual existence even of this claimed circumstance much less likely being been MIXED onto my credit report by an erroneous reporting error because your company cant maintain accurate information, either WILLFULLY or in IGNORANCE! REGARDLESS, federal laws and civil courts are CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit reports to be fully and adequately trained and CERTIFIED METRO 2 COMPLIANT. Any claims from an uncertified agent would certainly XXXX likelihood the information transferred is NOT QUALIFIED for retaining and or reporting per laws of COMPLIANCE for PROVEN ACCURATE and COMPLETE reporting, INCLUDING the full implementation of Implementation of the XXXX enacted XXXX METRO 2 COMPLIANT data entry standards. The item I believe to be incorrect is listed below. I am also including a copy of how this item is reported BY your credit reporting agency. Moreover, I recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported incorrectly. In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) .UNMISTAKABLY, Your bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this matter has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you WILL forward all of the relevant information provided by you to the creditor for their investigation of my dispute. 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 accredit 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 assure questing 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 NOT my first time contacting your organization. \n\nThe following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW! \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Verify and Validate all alleged collection activities accused me above still unproven compliant much less mine or my responsibility. DELETE NOW in its ENTIRETY or else testify in composition to its wholeness in CERTIFIABLE TRUTH, ACCURACY, TIMELINESS, undoubtable and documented OWNERSHIP, irrefutable RESPONSIBILITY, total COMPLETENESS as related to the requisite reporting standards to INCLUDE any and all METRO 2 DATA FIELD FORMATTED regulatory reporting obligations such as the exact and full XXXX XXXX XXXX XXXX XXXX XXXX  along with any and all of its trailing fragments, any and all of the sequential XXXX pieces to confirmation of a collection, any and all of the alpha-/ numeric-/and or alphanumeric SOURCE CODES, the credit classification codes, legally and adequately obtained ad reviewed current lawful state photographic identifications, and such as is mandated, whether or not mentioned here and now. Not PERFECTLY COMPLIANT reporting requires immediate eradication of claims, so be it. \n\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 COMPLIENT 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 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 tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. More over, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by XXXX .Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, 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 one 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! \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 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. \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. \nSincerely, XXXX XXXX XXXX E-Signature *Attach copy of ID and Utility bill","date_sent_to_company":"2022-12-30T01:08:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"291XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6374434","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-30T01:01:10.000Z","state":"SC","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":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information. \n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[12.955246,"6374434"]},{"_index":"complaint-public-v1","_id":"12533320","_score":12.78846,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resource for Report Information is : MyFreeScoreNow My Date of Birth is [ XXXX ] My Social Security XXXX Last XXXX is [ XXXX ] My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX ** Please ensure any personal identifier data matches as mandated with what I have submitted uncontested above, I do NOT authorize you to sustain ANY details not necessarily recited, not confirmed, not correct, not replete, not timely announced, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the exact ADEQUATE PERSONAL IDENTIFIER information I have above submitted! \nRe : This serves as my ocial notification to you, or any body ( XXXX ), concerned that I here now have confliction with the reportability of your claim ( XXXX ) until it's attestable that privilege to report was executed adequately and in a well established and entered certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. \nTo whom it concerns, annul now the following claim ( s ) one or more of being not certified appropriately reported, unverifiable, invalid, untrue, inaccurate, inadequately entire or incomplete to requisite standard, untimely rumored, not compelling by log proof to be of a known ownership of my responsibility, inconsistently recorded, deficiently divulged, questionably communicated and or else wise appearing to potentially be a deviation of or from the XXXX XXXX XXXX of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims still yet not demonstrated versus me as the consumer. Remove immediately and permanently any negativity related to : PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : # XXXX MIDLAND CRED XXXX ALLEGED COFF Unconfirmed and or not compliantly reported Compliant > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX I here now contest the alleging data reporting furnishers seemingly assumed PRIVILEGE to report related to the claim ( XXXX ) noted above and or below, of which to date is still not as of now to have been shown with the required demonstratable nor otherwise irrefutable yet necessary satisfying of at least the minimal criterion to report fairly. That is, more specifically i demand you immediately remove from reporting any claim not yet properly described, untrue, incomplete, and or else wise not of regulation and o r possibly can be a deviation from the aforementioned required standards for certifiable compliant reporting. Again, this declaration is not a dispute nor is it an argument against any claim 's verifiability nor its validation nor is this complaint an acknowledgement that either exists. Rather, this lawful consumer complaint is my contesting versus the data reporting furnisher ( XXXX ) very conditional privilege to XXXX XXXX of XXXX report if unable, unwilling, untimely, and or else wise insufficient in satisfying at least the established minimal requisites for ethical and lawful reporting of consumer information. In this complaint, I here now call into concerned question any such above-mentioned data reporter and or accepting repository of made known claims to prove by detail demonstration that entity 's certifiable compliant reporting process, including no less than the perfect adhering to the mandatory practiced and perfect total XXXX XXXX XXXX field formatted reporting standards, of which there can not exist a deviation from nor omitting from without jeopardizing the integrity of claims made. Questionable reporting fails the federal exigence for all claims to be unadornedly of a maximum conceivable accuracy AND a maximum viable completeness, for the individual ( XXXX ) ( ies ) involved could of and should have been testimonially compliant in its reporting. Unproven and or Non-compliant reporting of even not yet documented verifiable and or so supposed Validatable claims fails to satisfy attestably the XXXX 's enacted XXXX minimums for adequately disclosed consumer credit facts. Collectability does not equate necessarily to reportability. Compliance of reporting standards is not optional, but rather a mandatory condition for lawful and ethical reporting. My complaint is that there is not sucient evidence proving the supposed or elsewise revealed claims of derogatoriness or delinquencies versus me are to be compliant in its reporting, a required to report. obliterate from reporting now to become, retain, and or return to lawful required conditions satisfying the minimal criteria for even reporting legally. Do so now! Let it be known that THIS ocial notice of consumer check and accost for lawful reporting compliance is my ocially composed writ formal complaint that you are potentially defiantly reporting in one or more of the following manners, ILLEGALLY mind you : i. Your reporting is unproven to be bona fide, so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.\n\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-led subterfuge.\n\niii. Your reporting is unproven to be Complete ( and regulations are CLEAR on mandates to be fully intact 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-led subterfuge.\n\niv. Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully present-day 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-led subterfuge.\n\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-led subterfuge.\n\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-led 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 Page 2 of 10 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-led subterfuge. \nXXXX. Your reporting is unproven to be of XXXX 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-led subterfuge. \nOBVIOUSLY, in this written notification for my DECLARATION of CHECK of COMPLIANCE ( DOCC ) I would like to make known my call for to the reporting data furnisher and equally to the accepting repository ( XXXX ) to demonstrate by catalog evidence the certain and certifiably compliant reporting processes to include t h XXXX accurate unabridged and accurate XXXX XXXX Data-filled Field Formatted reporting standards was adhered to without ANY omitting nor deviation of the aforementioned standards for the questionable believed claims against me. My contesting is NOT an argument of what is proclaimed but rather a complaint against the unproven satisfied criteria for the stated reporters retaining of the often-assumed reporting privilege that is VERY CONDITIONAL. sketchy PROOF of COMPLIANT REPORTING rites and FORMATTING STANDARDS of reporting for even supposed truthful claims that potentially or likely fail minimal requisites to report. This contesting versus reporting is so EVEN if claimed provable debts are unquestionable, accurate, and even ethical in its lawfulness of its COLLECT-ABILITY, which is UNAFFECTED even if REPORTING PRIVILEGES are dissipated. As you might well have concluded, recently while reviewing my report I found a number of likely mistakes and inaccuracies that you are reporting ( again, UNLAWFULLY SO could or should I add ), among the most troubling are listed below ( see below ) and clearly involves a failure by your firm to maintain reasonable procedures to assure maximum potential accuracy of consumer credit info 15 U.S.C. 1681. It is with CLARITY that it is UNPROVEN these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to me. In fact, with your apparent consistency with being extraordinarily INCONSISTENT has to make the question to the actual existence even of this claimed circumstance much less likely being been MIXED onto my credit report by an erroneous reporting error because your company cant maintain accurate, either WILLFULLY or in IGNORANCE! REGARDLESS, federal laws and civil courts are CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit reports to be fully and adequately trained and CERTIFIED XXXX XXXX COMPLIANT. Any claims from an uncertified agent would certainly grant likelihood the transferred is NOT QUALIFIED for retaining and or reporting Conforming to laws of COMPLIANCE for indubitable ACCURATE and integral reporting, INCLUDING the full implementation of Implementation of the XXXX enacted XXXX XXXX XXXX COMPLIANT data entry standards. The item ( XXXX ) I believe to be of unproven report-ability is/are listed below. I am also including a copy of how this/these item ( XXXX ) is/are expressed BY your credit reporting agency and confirmation that your repository has in fact relayed the precisely how delivered you from the alleging data reporter ( s ) and additionally that your repository only accepts consumer profile and or data else wise that is reputed in full accordance to the standards that meet the minimal contingency ( XXXX ) of the XXXX, FCRA, XXXX, XXXX XXXX XXXX XXXX Data-filled XXXX XXXX, and or any applicable state and or federal regulation, statute, ruling, standard, etc. be it mentioned or not. \nReporting ignorance does NOT relieve those with infractions of liability. Moreover, its been recently requested for an investigation regarding what appears to be potential deviations in the claims reporting ( XXXX ) which jeopardizes the integrity of the claims forged versus me ( see XXXX XXXX ), and if deviations occur certainly there can be no assumed MAIMUM possible ACCURACY NOR A MAIMUM imaginable COMPLETENESS a s. Deviations of standard potentially suggest that potentially can be that one or more potential inaccurate/erroneous items on my credit file that were being, obviously unethically and not unresistently if not simply incorrectly.\n\nRegardless, if the reporting privilege is not established there can be no confidence of a prove-able claim versus me, of which is the minimal needed to report versus me so eradicate any not compliant claims made or accepted versus me and do so now o else demonstrate note proof of that certified compliant truth and accuracy in reporting as mandated. So that you are aware, during the process of investigating this matter on MY OWN INITIATIVE, I have also seemingly discovered a POTENTIAL PERSONAL DATA BREACH. I f precise, obviously it would hint to likelihood that my personal privacy NOW may have been violated, and with that possibility in existence I am exercising my rights under the FCRA 611 ( a ) ( 7 ) to DEMAND OF YOU AMONGST OTHER THINGS for a definitive detailed description of the exact procedure exercised by your agency in providing all to the alleging data reporter associated with this consumer complaint contesting the negativity claim ( s ) report-ability and I do so by law including of course that described under FCRA 611 ( a ) .UNMISTAKABLY, Your bureau is now being legally COMPELLED by rightful consume DEMAND to provide detailed in this matter as this matter has escalated into a pending tort action under Telephone Records and Privacy Protection Act of XXXX. To be more particular, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you WILL forward all of the relevant provided by you to the creditor for their investigation of my complaint. AGAIN, I in accordance with the law ( XXXX ) and or requisite standard ( XXXX ) DEMAND that you provide me with all of the you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ), etc. and I require a reply within 10 days or else call for you XXXX XXXX of XXXX XXXX. XXXX. XXXX and or the averred data reporter claiming to remove from reporting if not surely all out exclude from reporting the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, you should expect that your firm will soon be added to a then-likely pending action as complicit in this data breach of my personal. \nTell me in writing what you refuse to remove and why. \nTell me in writing what you did to determine that the was accurate. \nNote the as disputed BY the CONSUMER on my credit report According to XXXX XXXX XXXX, your VERIFICATION service is defined as this : XXXX is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history That being accurate, even you REALIZE the mandated to be 100 % fully and adequately and literally correct in your reporting even to the regulatory standards of the XXXX XXXX data field XXXX reporting mandates much more than simply reporting undoubted, accurate and outright. Courts have many times gave precedence that non-compliant PROOF demonstrated physically to a consumer equates to recklessly poor reporting and elimination of the right to maintain said allegations much more report it. Due to fact you are either unable or unwilling to compose a writ testifiable certificate of fact to the full trueness, correctness, completeness, timeliness, ownership, responsibility, fcra compliance, compliance to my STATEs reporting regulations, and proven XXXX XXXX COMPLIANCE you must eradicate any claims of adversary or derogatory nature. I demand that you immediately and now eliminate reporting of ANY claim not fastidiously right via chronicle evidence to be compliant within the privileged reporting processes related to the forwarded allegations and or misinformation supposed! \nAccording to the lawful 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 if any exists and is available to review- any and all accounts you post on a credit report, and In keeping with standards mandated for ethical and lawful retaining of PRIVILEGE TO REPORT the claims process and format for being MUST be COMPLIANT without deviation nor omission of preconditioned to be. diversely, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the principled Credit Reporting Act 611 ( a ) [ 15 USC1681i ( a ) ], these related items must b e 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 modified as requested and or have been adequately removed from reporting pursuant to not only the oft-mentioned standards of XXXX XXXX XXXX standards but as well in full accordance to law including perfect adherence to even 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 in this official written note of my consumer complaint demanding undeniable proof of adequate reporting standards. 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, please contact me at address noted within this same correspondence. I feel, despite the ongoing pandemic, that 15-20 Days should be ample enough time to get this completed, particularly since this is my NOT my first time contacting your organization.\n\nThe following claim ( s ) are potentially UNFOUNDED, unproven, and or else wise non-compliant and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW!\n\nlawfully reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND A MAXIMUM probable COMPLETENESS. Ensure your reporting is indeed veridical and impartial else remove now and enduringly. FURTHER, NOTE THE SUSPECTED REPORTING SHORTCOMINGS BELOW AS YOU INVESTIGATE LEGITIMACY OF THE INJURIOUS ACCUSATIONS AGAINST ME, so you can and DO come into alignment with federally mandated fair reporting codes in your final decision ( XXXX ). Please consider this image for all matters above and below : ***************************************************************************************************** Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act ***************************************************************************************************** <====================================> # XXXX PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : MIDLAND CRED XXXX XXXX -- XXXX MIDLAND CRED.. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description :.. \nIndividual.. Individual.. \n-- XXXX Dispute Status : .. Account not disputed .. Account not disputed.. \n-- - Creditor Type : Q Other Collection Agencies Q Other Collection Agencies Q -- XXXX Account Status : XXXX XXXX I Closed I -- XXXX Payment Status : Q Collection/Chargeoff Q Collection/Chargeoff Q -- XXXX Creditor Remarks : D Account information disputed by consumer, meets FCRA requirements I Customer disputed account - reported by subscriber. \nI -- -- XXXX Original Creditor : D XXXX XXXX I WEBBANK I -- -- XXXX Last Payment : D -- M -- M -- -- XXXX Past Due Amount : Q XXXX XXXX $ -- XXXX Account Type : D -- M -- M -- -- Page XXXX of XXXX XXXX None Reported XXXX None Reported XXXX None Reported None Reported None XXXX None Reported The currently reported MIDLAND CRED with account number displayed as this information is NOT REPORTED on Trans Union in this reported claim on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on XXXX XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a breach from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above- mentioned XXXX  XXXX formatted industry requirements XXXX With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : ***************************************************************************************************** As such, certainly non-incontrovertible yet compliantly suspicious Collections poorly perfunctory a contract is not demonstrative mine is unfair, unethical, injurious, and or elsewise unlawful, OBVIOUSLY. Please provide all concerned with each any and all aspect of each any and all claim ( XXXX ) of delinquent/ and or alternatively derogatory charge ( XXXX ) accused versus me, particularly each any and all claim ( XXXX ) not yet undeniable submitted with written testimony and or elsewise be potentially unproven, including but not limited to every single notation, any and all dates, each audit, the accounting calculations, established and legitimately acquired identifications, claimed balance ( XXXX ) of debts, the alpha-/numeric-/and or alphanumeric source code ( XXXX ), all XXXX pieces for lawful confirmation to collections, each and all entries in full for the XXXX XXXX statement ( Segment ), the creditor classification codes, and of course the minimal XXXX ( XXXX ) part personal identifiers. omit today, even right NOW! \nFURTHER, CONFIRM the XXXX key components of any and all individual identities, just 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 less than necessarily required and NOT absolute COMPLIENT 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 : FULL valid NAME as it Appears on my Credit report adequately acquired Address of Record SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX XXXX XXXX XXXX Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully unabbreviated XXXX P-Segment and or its Trailing Segment ( if any ) that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of professed tradeline occurs. \nBy XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that categorically accurately and completely includes each any and ALL of the account of profession ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. \nWAS IT? \nPage 6 of 10 Pursuant to CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate necessitate in favor of consumers and or auto- escalate any and all consumer complaints to a certified XXXX XXXX compliance trained XXXX. Being at or beyond the date of Phase XXXX Implementation of the CRSA, SMART autoresponders are not compliant and unlawful if used by furnishers or accepted by XXXX. \nFederal 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. \nSubmit/re-submit shuing to populate the XXXX  XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the technical accuracy in EVERY single item retained and or to or by any consumer credit reporting agency. XXXX XXXX compliant reporting requires exacting P- segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. In line with the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. \nIs that the case credibly and currently at your place of business? \nFurther, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS Per the XXXX Signing Statement. I repeat, to licitly preserve and or report any claim of, be it an account or any aspect of such, there must be irrefutable fullness in the perfect and full adherence to the XXXX enacted STANDARDS for ethical and lawful much less truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the allegations, undoubtable ownership of responsibility for claimed derogatoriness, and or adequate and INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include ( if applies ) the XXXX time relevance of account / how XXXX, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from each any and all data provider ( XXXX ) to each any and all receiving/ accepting consumer credit reporting data repository ( XXXX ). \nAccuracy and completeness of all of any and all, particularly derogatory consumer, must abide by every and XXXX of Current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA ). \nIs the Personal Identifier so-called in the XXXX P-SEGMENT appropriate, correct, and to standards of CERTIFIED XXXX XXXX COMPLIANCE? \nPlease demonstrate adequate proof of the certified compliant reporting standards for each any and all claims also provable to being no lesser than and including at a minimum being precisely factual, demonstrated accurate, adequately timely, and with physically verified VALIDATION of the claim, unequivocally as each any and all claim ( XXXX ) is/are purported. This demand should include no less than even each any and all alleging data reporting furnishers applicable CREDITOR CLASSIFICATION CODES along with any and all other requisites of reporting as detailed in XXXX written XXXX XXXX, XXXX, and XXXX through XXXX and any other standard or else it is my understanding that you have NOT satisfied the minimal necessities to cling to reporting privileges REGARDLESS of the collect-ability of claims made. As such, you MUST act to be compliant in your reporting or accepted reportings or else you MUST 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 Page XXXX of XXXX declaration would compel me to consult my consumer complaint not illicitly to the members of the XXXX, as undoubtedly reporting not only must be authentic, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any being INCLUDING all consumer reporting repositories. \nPortions of this consumer complaint and any detailed request made by me here is done so ethically and legally Conforming to applicable state and federal regulations, standards, court rulings, etc. such as those included under FCRA XXXX ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all to the creditor associated with my earlier dispute of the validity of the late payments from my credit file your bureau provided to me. To be more explicit, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant provided by you to the creditor for their investigation of my consumer complaint contesting the claims reporting capacity. From previous communications with the alleging data reporter ( XXXX ), it be noted that I have been led to believe that THIS did not take place, or at least was not demonstrated by a record confirmation that a compliant process occurred, as is the mandate. OBVIOUSLY, this is a clear violation of the FCRA and the XXXX, let alone a significant deviation from the aforementioned XXXX XXXX formatted standards of ethical and lawful reporting thereby calling into question any claim made. Any DEVIATION from these standards jeopardizes the integrity of the data ( XXXX  XXXX ). \nPlease provide me with all of the you and or any involved data reporting furnisher and or accepting repository of data used for your required through investigation. It is adequate and reasonable that I request that you and or any party doing do to please reply within 15 days or eace from reporting the contested reporting privileges related to noted negative items within this complaint not yet compliant in every aspect without deviation from the standards nor regulatory requisites to report, as originally and yet again requested. \nXXXX attest to, in writing what you received from each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) to support the presence of these not yet proved yet allegedly supposed compliant, true, accurate, timely and adequately in reporting negativities such as any late payments accused. \nXXXX testimonial, in writing what you did to determine that the that each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) provided was not only accurate, adequately, timely, proper, and compliant in full accordance with and adhering in totality to the applied XXXX XXXX Data-filled XXXX XXXX standards. \nXXXX. certify, in writing with purpose to note precisely how the was relayed to each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) and the EXACT ( type/kind ) that was provided to each any and all especially your bureau as PROOF of the compliant and accurately accused negativities such as any and all allegations of missed and or late pa","date_sent_to_company":"2025-03-18T23:38:54.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"12533320","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-03-18T23:30:26.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If you FAIL to respond to this demand and tort notification, you should expect that your firm will soon be added to a then-likely pending action as complicit in this <em>data</em> breach of my personal. \n<em>Tell</em> me in writing what you refuse to remove and why. \n<em>Tell</em> me in writing what you did to determine that the was accurate."]},"sort":[12.78846,"12533320"]},{"_index":"complaint-public-v1","_id":"6374453","_score":12.673046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it might concern, Might 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 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 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. \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. \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. \nYour 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. 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!\n\nOBVIOUSLY, in this Notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ) I would like to make known my challenge versus any information by which you fail to present demonstrated PROOF physically to m of the adequate testament of FACTS as related to each and every notation and or aspect of the report allegations, how reported, and the certified Metro 2 Compliance status of any and all entities involved and or tangentially related to the unlawful retaining and reporting of misinformation even beyond my composition of writ complaint compelling you to abide by any and all federal laws and or related regulations within MY STATE. As you might well have concluded, recently while reviewing my report I found a number of likely mistakes and inaccuracies that you are reporting ( again, UNLAWFULLY SO might I add ), among the most troubling are listed below ( see below ) and clearly involves a failure by your firm to maintain reasonable procedures to assure maximum possible accuracy of consumer credit information 15 U.S.C. 1681. It is with CLARITY that it is UNPROVEN these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to me. In fact, with your apparent consistency with being extraordinarily INCONSISTENT has to make the question to the actual existence even of this claimed circumstance much less likely being been MIXED onto my credit report by an erroneous reporting error because your company cant maintain accurate information, either WILLFULLY or in IGNORANCE! REGARDLESS, federal laws and civil courts are CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit reports to be fully and adequately trained and CERTIFIED METRO 2 COMPLIANT. Any claims from an uncertified agent would certainly grant likelihood the information transferred is NOT QUALIFIED for retaining and or reporting per laws of COMPLIANCE for PROVEN ACCURATE and COMPLETE reporting, INCLUDING the full implementation of Implementation of the XXXX enacted XXXX METRO 2 COMPLIANT data entry standards. The item I believe to be incorrect is listed below. I am also including a copy of how this item is reported BY your credit reporting agency. Moreover, I recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported incorrectly. In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) .UNMISTAKABLY, Your bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this matter has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you WILL forward all of the relevant information provided by you to the creditor for their investigation of my dispute. 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 accredit 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 assure questing 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 NOT my first time contacting your organization. \n\nThe following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW! \n\nCREDITOR : PXXXX XXXX XXXX : XXXX XXXX XXXX  ) ACCOUNT : XXXX NOTATION : Verify and Validate all alleged collection activities accused me above still unproven compliant much less mine or my responsibility. DELETE NOW in its ENTIRETY or else testify in composition to its wholeness in CERTIFIABLE TRUTH, ACCURACY, TIMELINESS, undoubtable and documented OWNERSHIP, irrefutable RESPONSIBILITY, total COMPLETENESS as related to the requisite reporting standards to INCLUDE any and all METRO 2 DATA FIELD FORMATTED regulatory reporting obligations such as the exact and full 426-character P-6 Segment ( statement ) along with any and all of its trailing fragments, any and all of the sequential 386 pieces to confirmation of a collection, any and all of the alpha-/ numeric-/and or alphanumeric SOURCE CODES, the credit classification codes, legally and adequately obtained ad reviewed current lawful state photographic identifications, and such as is mandated, whether or not mentioned here and now. Not PERFECTLY COMPLIANT reporting requires immediate eradication of claims, so be it. \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 COMPLIENT 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 tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. More over, 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 thXXXX XXXX XXXX auto-responders are not compliant and unlawful if used by furnishers or accepted by XXXX  .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 insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX  Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, 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 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 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\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 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. \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, XXXX XXXX XXXX E-Signature *Attach copy of ID and Utility bill","date_sent_to_company":"2022-12-30T01:08:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"291XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6374453","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-30T01:08:34.000Z","state":"SC","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":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information.\n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[12.673046,"6374453"]},{"_index":"complaint-public-v1","_id":"3301086","_score":12.3331175,"_source":{"product":"Debt collection","complaint_what_happened":"My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX \nXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. \n\n\nTo whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. \nHere is the erroneous record you are reporting. \nThe following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \nI am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? \n\nI am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions?\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens?\n\nAny and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens? \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nThe 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, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXXXX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so.\n\nAny data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company (\nies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2 Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.\n\n9-Does your Clerk 's office report public information and Data in the Metro-2 format? \n\nThank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. \n\n\n\n\n\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 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 allegations of which you report in chicanery lead subterfuge. \n\nii XXXX 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.\n\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.\n\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 )\n, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\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.\n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA 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\nrelated 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, al\npha/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\naddress 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 confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an 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, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.\n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the 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. 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. Sincerely, XXXX XXXX","date_sent_to_company":"2019-07-09T23:28:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"3301086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-09T23:28:04.000Z","state":"TN","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information.\n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[12.3331175,"3301086"]},{"_index":"complaint-public-v1","_id":"3301083","_score":12.3241625,"_source":{"product":"Debt collection","complaint_what_happened":"My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XXXX XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX MALEN &   ASSOCIATES , P.C . \nXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. \n\n\nTo whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. \nHere is the erroneous record you are reporting. \n\nThe following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \nI am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? \n\nI am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions?\n\nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens?\n\nAny and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being  compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens?\n\nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nAny and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \nTo date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nThe 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, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXX-XX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. \n\nAny data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company ( ies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2   Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. \n9-Does your Clerk 's office report public information and Data in the Metro-2 format? \n\nThank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. \n\n\n\n\n\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 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 allegations of which you report in chicanery lead subterfuge. \n\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. \n\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. \n\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. \n\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. \n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA 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.\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. \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 confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2   compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2  data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2  COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? \n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the 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. 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. Sincerely, XXXX XXXX","date_sent_to_company":"2019-07-09T23:28:01.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"37122","tags":null,"has_narrative":true,"complaint_id":"3301083","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Malen & Associates, p.c.","date_received":"2019-07-09T23:05:43.000Z","state":"TN","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information.\n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[12.3241625,"3301083"]},{"_index":"complaint-public-v1","_id":"17122164","_score":12.23613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im filing this complaint because Equifax continues to report a bankruptcy under Federal Public Records, but Ive never received any documentation or verification explaining how they got this information or confirmed that its even accurate. \nIve been disputing this record with Equifax for more than 60 days. Each time I ask for proof, they just tell me the account was verified but they never show me what they actually verified. That is not an acceptable response under the law. \nFrom my own research and experience, I know that the U.S. Bankruptcy Courts do not send or sell consumer credit data directly to Equifax. These records come from outside third-party vendors who sell public-record information to the credit bureaus. If Equifax can not identify which vendor they used and provide a copy of the certified court record they relied on, theres no real proof that this record belongs to me or that its being reported correctly. \nIve specifically requested in writing that Equifax : Identify the source or vendor they used to obtain the bankruptcy information. \nProvide a copy of the original court record or documentation used to verify it. \nExplain how they verified accuracy before continuing to report it. \nTo date, none of that information has been provided. Equifaxs refusal to provide verification or the actual documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : FCRA 607 ( b ) : requires credit bureaus to assure the maximum possible accuracy of what they report. \nFCRA 623 ( a ) ( 1 ) ( A ) : prohibits furnishing information known or believed to be inaccurate.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : requires a reasonable reinvestigation once a consumer disputes an item.\n\nFCRA 611 ( a ) ( 5 ) ( A ) : requires deletion of any unverifiable information. \nMetro 2 XXXX XXXX, XXXX, XXXX : require factual, documented data sources and accurate reporting of public-record information. \nI want to be clear that Im not claiming identity theft. This is a Metro 2 factual-dispute complaint Im asking for Equifax to either show how it obtained and verified this record or remove it completely. The way its being reported right now is inaccurate, unverified, and harmful.","date_sent_to_company":"2025-11-10T01:04:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"17122164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-10T00:59:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Equifaxs refusal to provide verification or the actual documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 <em>compliance</em> <em>standards</em> : FCRA 607 ( b ) : requires credit bureaus to assure the maximum possible accuracy of what they report. \nFCRA 623 ( a ) ( 1 ) ( A ) : prohibits furnishing information known or believed to be <em>inaccurate</em>.\n\nFCRA 611 ( a ) ( 1 ) ( A ) : requires a reasonable reinvestigation once a consumer disputes an item."]},"sort":[12.23613,"17122164"]},{"_index":"complaint-public-v1","_id":"14903105","_score":11.811666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect my dispute to be handled properly.\n\nRecent enforcement actions show a pattern of non-compliance among the credit bureaus : Equifax ( XXXX ) Fined {$15.00} XXXX for improper dispute handling. \nXXXX  ( XXXX ) Found to have conducted fraudulent investigations by the CFPB. \nXXXX  ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. \nTo ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA, XXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I trust that you will handle this matter lawfully. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Page 1 of 3 To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. \nBelow is a summary of the data in which I am challenging : Personal Information for XXXX  NAME : XXXX -- You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX. \nCURRENT ADDRESS : XXXX, XXXX null, null, null null Client Full Address I need you to delete any address in your system that varies from XXXX XXXX XXXX  XXXX XXXX XXXX. It will ensure the database has accurate information about me. \nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. \nSincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : -- I was going through my credit report and noticed something odd. The account XXXX  / XXXX  with number XXXX shows a rating of CollectionOrChargeOff. You said it was opened on XXXX and had a date of last activity of XXXX. This doesnt seem rightcan you look into this and remove it? \nAlso, you mentioned it was last verified on XXXX. Under 15 U.S.C. 1681, Id like to see what information you used to verify this account. Could you send that my way? And Im curioushow did you come up with a balance owed of {$680.00} when I know I dont owe anything? \nJust like in XXXX v. XXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), inaccurate info needs to be corrected. Lets get this fixed! \nAlso, see the image above for XXXX  / XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets examine Payment Status ( XXXX ) showing CollectionOrChargeOff Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nLets examine Account Type ( XXXX ) showing Revolving Compliance with XXXX XXXX standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! \nWhen I scrutinized Creditor Remarks ( XXXX ) presenting CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately!\n\nLets examine Credit Limit ( XXXX ) showing XXXX XXXX XXXX XXXXequires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  / XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Page 2 of 4 of everything else reported on here!\n\nI was looking at Highest Adverse Rating expressing CollectionOrChargeOff. \nThere is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nYou are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.","date_sent_to_company":"2025-07-26T22:49:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"14903105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-26T22:43:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX ), <em>inaccurate</em> info needs to be corrected. Lets get this fixed! \nAlso, see the image above for XXXX  / XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets examine Payment Status ( XXXX ) showing CollectionOrChargeOff Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it!"]},"sort":[11.811666,"14903105"]},{"_index":"complaint-public-v1","_id":"15218328","_score":11.683801,"_source":{"product":"Debt collection","complaint_what_happened":"In a CFPB consent order, Santander Consumer USA admitted to systemic failures in its credit reporting practices : SANTANDER THREATENED TO SUE ME AND SANTANDER CONSUMER USA RELEASE MY PERSONAL INFORMATION TO MY CURRENT AND FUTURE EMPLOYERS IN AIM TO GET ME UNEMPLOYED DUE TO THIS UNAUTHORIZED AND UNVERIFIABLE DEBT. UNDER FCRA LAW THIS IS HARASSMENT Furnishing inaccurate or internally inconsistent data to CRAs.Not promptly correcting or updating known errors. Failing to provide DOFD. Lacking reasonable written reporting policies.\n\nSANTANDER HAS AN established track record that strengthens claims of the FCRA and CFPB violations they have committed against me. Santander has threatened me and has knowingly realease my infomation on this unauthorized account to an employer because the employer hasnot only told me... but mentioned to tell the Consumer Protection Bureau because that was a new experience for them as well.hat violates 15 U.S.C. 1681b ( b ) ( 2 ) ( A ) ( i ), which mandates that a clear and conspicuous disclosure must be included in a standalone document before obtaining a consumer report for employment purposes. Santander has furnished an unauthorized and fraudulent account without my knowledge, violating numerous provisions of the FCRAincluding 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ) along with Regulation V and CFPB UDAAP standards. Relevant case law such as TRW Inc. v. Andrews clarifies the statute of limitations, and though Santander has argued non-liability under FDCPA in XXXX, FCRA violations remain actionable. Im also pursuing remedies under state UDAP/UDAAP statutes via my state attorney general.\n\nFCRA Violations ( 15 U.S.C. 1681 et seq. ) Santanders reporting of an unauthorized account without MY knowledge violates the following : 1681e ( b ) Fails to ensure maximum possible accuracy in credit reporting. \nXXXX XXXX ( a ) ( XXXX ) ( A ) Furnisher knowingly reports inaccurate information. \nXXXX XXXX ( b ) Fails to correct or delete unverifiable information after dispute. \nXXXX XXXX. Additional potentially applicable sections might include : 1681i Procedures upon dispute by the consumer.\n\n1681j Reinvestigation of old items.\n\n1681k Notice of consumer rights provided.\n\n1681n Willful non-compliance damages.\n\n1681o Negligent non-compliance remedies.\n\n1681s-2 ( c ) Notices of address discrepancies.\n\nALSO SANTANDER IS REPORTING BEYOND THE ALLOW LIMIT ALLOWED BY FCRA LAW : LIMIT : 2 YEARS AGED OF DELINQENCY OF UNAUTHORIZED AUTO DEBT : 6 YEARS","date_sent_to_company":"2025-08-11T11:24:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"15218328","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-08-11T08:31:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["UNDER FCRA LAW THIS IS HARASSMENT Furnishing <em>inaccurate</em> or internally inconsistent <em>data</em> to CRAs.Not promptly correcting or updating known errors. Failing to provide DOFD. Lacking reasonable written reporting policies.\n\nSANTANDER HAS AN established track record that strengthens claims of the FCRA and CFPB violations they have committed against me."]},"sort":[11.683801,"15218328"]},{"_index":"complaint-public-v1","_id":"13431053","_score":11.538771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXXXXXX DOB : XX/XX/XXXX To Whom It May Concern, TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and expect my dispute to be handled properly.\n\nRecent enforcement actions show a pattern of non-compliance among the credit bureaus XXXX XXXX XXXX XXXX ) Fined {$15.00} XXXX for improper dispute handling. \nXXXX XXXX XXXX ) Found to have conducted fraudulent investigations by the CFPB. \nTransUnion ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. \nTo ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This document and all enclosed materials have been sent by me personally ( XXXX XXXX XXXX ). I trust that you will handle this matter lawfully. \nSincerely, XXXX XXXX XXXX Page 1 of 7 To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion TransUnion Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$0.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED SUBSCRIBER DISAGREES Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$1400.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX Payment Status : XXXX CollectionOrChargeOff Loan Type : XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Length : XXXX The account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report shows an incorrect rating of CollectionOrChargeOff, with dates XXXX and XXXX. This error is affecting my credit applications. \nUnder 15 U.S.C. 1681n, please delete this account and provide evidence of the {$0.00}. \nAlso, see the image above for XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nI was looking at Account Status ( XXXX ) expressing Closed The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Balance Owed ( XXXX ) presenting {$0.00}. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile!\n\nUpon inspecting Creditor Type ( - ) exhibiting Finance. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account.\n\nBring to your attention Loan Type reporting CreditCard I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. \nI was looking at Date Reported ( - ) expressing XXXX. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nREPRISE - XXXX TransUnion Account # : XXXX XXXX Account TransUnion Description : Individual Page 3 of 7 Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Transferred Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXX PURCHASED BY ANOTHER LENDER Creditor Type : -Finance Date Opened : XXXX XXXX Date Reported : XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$5300.00} Last Payment : XXXX Last Verified : XXXX XXXX Past Due Amount : XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX Loan Type : - I noticed that this account XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff on my credit report, and I want it fixed now! You said this account was opened on XXXX and had a date of last activity of XXXX. That just cant be right. \nPlease take this account off my report! \nYou also said you last verified this account on XXXX. According to the law, specifically 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to see how you verified it. Send me the info you used to check this. And another thingI need proof that I really owe {$0.00} because I dont owe anything. \nRemember, according to XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. \nXXXX ), if you cant prove this info, it has to be taken off! \nAlso, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nViewing Date of Last Activity ( XXXX ) demonstrating XXXX. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXXXXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX This account needs fixing immediately! \nTransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lets examine Credit Limit ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nUpon inspecting Creditor Remarks ( XXXX ) exhibiting PURCHASED BY ANOTHER LENDER. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! \nYou are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \nRespectfully XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action","date_sent_to_company":"2025-05-09T10:12:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29418","tags":null,"has_narrative":true,"complaint_id":"13431053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-09T10:09:40.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lets examine Credit Limit ( XXXX ) showing XXXX Clearly you're not a fan of <em>compliance</em> <em>standards</em>, as I can <em>tell</em> from how <em>inaccurate</em> the <em>data</em> for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nUpon inspecting Creditor Remarks ( XXXX ) exhibiting PURCHASED BY ANOTHER LENDER. There are certain things I can not live without."]},"sort":[11.538771,"13431053"]},{"_index":"complaint-public-v1","_id":"4323419","_score":10.87449,"_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":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information.\n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[10.87449,"4323419"]},{"_index":"complaint-public-v1","_id":"7802902","_score":10.86576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. \n\n( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. \n\n( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right. \n\nRe : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX  PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT. \n\nTo Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( XXXX XXXX XXXX XXXX  ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \n\nThank you for your time and help in this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-04T13:51:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"7802902","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-04T13:51:24.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this <em>data</em> breach of my personal information. \n\n1. <em>Tell</em> me in writing what information you refuse to remove and why.\n\n2. <em>Tell</em> me in writing what you did to determine that the information was accurate.\n\n3."]},"sort":[10.86576,"7802902"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":121,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":121}]}},"product":{"doc_count":121,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":78,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":78}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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