{"took":181,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17293178","_score":8.92843,"_source":{"product":"Debt collection","complaint_what_happened":"What happened in this situation is that a XXXX XXXX XXXX, identified as Ref : XXXX, has been reported on my consumer report as a negative and derogatory public record without proper verification, without original court documentation, without a complete chain-of-custody trail, and without a meaningful procedural investigation by the credit reporting agencies responsible for publishing and distributing the information. Although bankruptcy filings are public information, the manner in which this particular record was obtained, processed, verified, and reported raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), the accuracy of the data, the methods of verification used, the involvement of third-party public-records vendors, and the overall procedural fairness of the credit bureaus practices. \n\nThe issue began when this bankruptcy record appeared on my credit file several years after the events occurred. While I understand that bankruptcies may remain reportable for a legally defined period, the problem lies not with the existence of the bankruptcy itself, but in the credit bureaus failure to verify the information using original, certified court documentation. Instead, the record appears to have been added to my file through automated data-scraping systems or third-party public-records aggregators. These automated systems frequently pull partial, outdated, or incomplete information from federal court databases and are known to pass along errors because they do not retrieve certified court documents nor perform manual verification. The presence of such a serious derogatory item on my file, without proof that the bureaus obtained or reviewed certified records, is a direct violation of the FCRAs standards requiring maximum possible accuracy.\n\nThe concerns deepened when I attempted to dispute the accuracy and verification of the bankruptcy. The credit bureaus responded with extremely generic dispute results, stating that the public record was verified. However, they failed to provide the legally required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This omission is significant because the Method of Verification must identify the party or system used to verify the information, the procedure followed, and the source contacted. Instead of providing this legally required information, the bureaus simply repeated the same automated response indicating that the item remained on the report.\n\nI also observed that the bureaus failed to provide evidence that they performed a meaningful, independent reinvestigation. Instead, the reinvestigation appeared to be automated, likely relying solely on the same third-party vendor that initially provided the bankruptcy information. The FCRA requires that a reinvestigation be reasonable, thorough, and independentnot a cursory automated confirmation. If the bureaus rely on the same automated tool or vendor that originally supplied the record, then no true reinvestigation occurred. \n\nDuring the dispute process, none of the bureaus produced any of the certified documents that would normally accompany a verified bankruptcy record. These documents include : a certified copy of the petition, certified discharge order, certified docket sheet, or any other official filings obtained directly from the U.S. Bankruptcy Court that adjudicated the case. Without these original documents, the bureaus can not legally claim that the bankruptcy has been properly verified. Bankruptcy records are complex legal filings, and verifying them requires more than a database hit or a third-party summary. A meaningful verification requires checking the exact docket number, confirming the filing dates, reviewing the case disposition, and ensuring that the record accurately matches the consumer.\n\nYet none of these steps were demonstrated by the bureaus. Instead, the responses lacked specificity, clarity, and evidence. The bureaus did not show that they contacted the court. They did not show that they accessed PACER directly. They did not demonstrate that they obtained any certified filings. Instead, all signs indicate that they relied on automated public-records scanning toolstools known to misidentify individuals or pull incomplete data.\n\nThis lack of proper verification is concerning because many third-party vendors do not gather certified documents. Instead, they gather summaries or partial listings of bankruptcy cases. These summaries are not legally sufficient for verification under the FCRA. They do not include official seals, signatures, or the full docket context required to validate accuracy. As a result, the derogatory record may be based on incomplete or outdated information, and without certified documentation, the credit bureau can not legally verify or continue reporting it. Another major issue in what happened is the failure of the credit bureaus\nto provide transparency regarding the source of the bankruptcy data. When asked who supplied the information, the bureaus did not name the third-party vendor. They did not provide the vendors address, identification number, or data-sourcing methodology. They also did not provide a chain-of-custody record, which would show when the information was received, who processed it, how it was validated, and whether the record was ever updated or reviewed.\n\nWithout this documentation, it is impossible to know whether the bankruptcy was reported accurately, whether it was reviewed properly, or whether it was even associated with the correct individual. Many consumers experience public-record mismatches due to similar names or clerical errors. A proper verification process would require the bureaus to demonstrate that they matched multiple identifiers accurately. Yet none of these steps were shown.\n\nAdditionally, the bureaus did not provide any evidence that they performed periodic updates on the bankruptcy record. Federal court dockets often update over time to include amendments, corrections, or additional entries. A credit bureau that reports public records must ensure that any updates are reflected accurately. However, the bureaus in this case did not show evidence that they ever retrieved updated docket information or reviewed updated filings.\n\nAnother concerning aspect of what happened is the lack of procedural fairness during the dispute process. When a consumer disputes a public record, the bureaus are required by law to mark the item as disputed during the reinvestigation. This notation informs lenders that the accuracy of the item is actively being reviewed. However, in this case, the bureaus did not clearly indicate that the record was marked as disputed. This failure is a procedural violation under FCRA 623 ( a ) ( 3 ). Failure to mark a record as disputed during reinvestigation can lead lenders to assume that the information is fully accurate and unchallenged, which harms the consumer.\n\nFurthermore, the bureaus failed to provide any description of the internal procedures they used during the reinvestigation. Under the FCRA, consumers have the right to know the procedures used to verify disputed information. The bureaus did not provide documentation detailing the steps taken, the systems consulted, or the training and oversight applied to the reinvestigation process.\n\nWhen reviewing this situation, it is clear that the bureaus did not conduct a meaningful investigation. No certified documents were provided. No communication with the U.S. Bankruptcy Court was demonstrated. No identity-matching procedures were disclosed. No procedural logs or audit trails were provided. The bureau simply issued a generic verification response without supporting evidence.\n\nThis situation also raises serious concerns about the accuracy of automated bankruptcy reporting systems. The credit bureaus often contract with third-party vendors who use web-scraping tools or automated database scans to pull public-record information. These tools frequently fail to distinguish between similar names, do not retrieve full docket information, and do not validate whether the extracted data is complete or current. If the bureaus rely solely on such vendors, without manual review or certified documentation, they are violating the FCRAs requirement to ensure maximum possible accuracy.\n\nAnother issue in what happened is the failure to provide a copy of any communication between the bureaus and the vendor or court. Under the FCRA, when a consumer disputes information, the bureau must forward all relevant information to the furnisher or entity that provided the data. There is no evidence that any relevant information was forwarded. There is no evidence that the court was contacted. There is no evidence that the vendor received the consumers dispute details. Without such evidence, it appears that the bureaus did not follow FCRA 611 ( a ) ( 2 ) requirements.\n\nAdditionally, the dispute outcomes did not include any specific explanation of how the bankruptcy was verified. The FCRA requires a description of the process used. However, instead of providing details, the bureaus offered a conclusory statement that the record was verified, which is legally insufficient.\n\nThis situation also raises concerns about reinsertion rules. If the bankruptcy record was ever removed due to dispute and then reinserted, the bureaus are legally required to notify the consumer within five business days. The lack of documentation and transparency makes it unclear whether reinsertion rules were followed. Failure to comply with reinsertion rules is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).\n\nThe overall impact of what happened is that an unverified, unsupported, and potentially inaccurate bankruptcy record continues to appear as a derogatory entry on my consumer report. Because the credit bureaus did not provide original certified documents, did not disclose their verification process, did not identify the vendor, did not provide a chain-of-custody trail, and did not demonstrate independent reinvestigation, the accuracy of the record can not be trusted. Meanwhile, the presence of the bankruptcy affects creditworthiness, loan approvals, interest rates, and financial opportunities. \n\nIn summary, what happened is the following : The XXXX XXXX XXXX ( Ref : XXXX ) was reported without original certified documentation.\n\nThe bureaus relied on automated vendor systems instead of direct verification with the court.\n\nThe reinvestigation process was automated and not independent.\n\nNo Method of Verification was provided.\n\nNo certified court filings were produced.\n\nNo chain-of-custody documentation was provided.\n\nNo identity-matching procedures were disclosed.\n\nThe record may not have been marked as disputed during review.\n\nNo procedural description of the reinvestigation was shared.\n\nNo evidence of updated docket review was provided.\n\nNo compliance with FCRA reinvestigation requirements was shown.\n\nNo transparency regarding vendors or data sources was given.\n\nBecause of these failures, the reporting of the bankruptcy can not be considered reliable, accurate, verifiable, or compliant with FCRA standards.","date_sent_to_company":"2025-11-18T01:49:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63116","tags":null,"has_narrative":true,"complaint_id":"17293178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T01:42:02.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["What happened in this situation is that a XXXX XXXX XXXX, identified as Ref : XXXX, has been <em>reported</em> on my consumer <em>report</em> as a negative and derogatory public record without proper verification, without original court documentation, without a complete chain-of-custody trail, and without a meaningful procedural <em>investigation</em> by the <em>credit</em> <em>reporting</em> <em>agencies</em> <em>responsible</em> for <em>publishing</em> and <em>distributing</em> the <em>information</em>."]},"sort":[8.92843,"17293178"]},{"_index":"complaint-public-v1","_id":"13511169","_score":6.932855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMIC CREDIT SABOTAGE, HOUSING INTERFERENCE & EXECUTIVE SUPPRESSION CASE FILE : XXXX SUBMITTED TO : Consumer Financial Protection Bureau COMPLAINANT : XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY Personal Consumer under XXXX jurisdiction XXXX XXXX Sole Proprietor ( XXXX XXXXXXXX ) OFFiCiAL XXXX of a dissolved XXXX XXXX XXXX XXXXXXXX ) OFFiCiAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal, multi-jurisdictional complaint for regulatory enforcement and litigation entry regarding : The publication of unlawful, unverifiable, and fabricated tradelines. \n\nRepeated failure to investigate consumer disputes under federal statute XXXX years of unauthorized surveillance, behavioral tracking, and data profile sabotage. \n\nOngoing housing interference and displacement due to fraudulent data. \n\nObstruction of corporate access, XXXX business credibility, and XXXX reputation PUBLIC DAMAGE VERIFIED IMPACT ( XXXX ) > In XX/XX/XXXX, the home I was lawfully residing in suffered catastrophic damage when a violent rainstorm ripped off the rooftop. The aftermath of that disaster damaged the entire house resulting in total loss of our living space and everything inside it. Since that moment, my family and I have been displaced. But even after surviving that physical disaster, we were met with another : credit-based obstruction that blocked every lawful attempt to rebuild our lives. \n\nToday, we are temporarily staying with a family member but have been notified that we must move out in less than XXXX  days. We are unable to secure private housing because of a credit profile that has been systematically corrupted with conflicting addresses, unauthorized aliases, fabricated charge-offs, and manipulated tradelines. This manufactured credit file built and distributed by Experian and the other major credit bureaus is the direct result of years of system-engineered fraud, falsification, and surveillance. \n\nAnd while I was being displaced, silenced, and shut out of the system, these agencies made millions over the years by XXXX in this corrupted data, profiting from reports they knew were harmful, unverifiable, and unlawfully retained. This is not misreporting. This is monetized obstruction. This is systemic suppression after disaster and it continues to unfold while agencies remain silent and corrupted data remains in place. \n\nCREDIT AGENCY INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the credit reporting agency responsible for this harm, has directly interfered with my access to basic human rights by : Reporting and retaining manufactured charge-off accounts without lawful origin. Publishing unverifiable tradelines and identifiers. Ignoring proper dispute procedures under 15 U.S.C. 1681i Using scoring systems to conceal fabrication rather than correct it. These acts constitute deliberate obstruction under : 15 U.S.C. 1681e ( b ) : \" Reasonable procedures to assure maximum possible accuracy '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : \" Shall promptly delete unverifiable information after reinvestigation. '' This is no longer negligence this is systemic, willful interference with housing, reputation, and commerce. It is unconscionable and unlawful. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frequency : Daily multi-shift ride cycles to maintain XXXX XXXX performance Estimated Weekly Transportation Cost : XXXX XXXXXXXX Estimated Duration : XXXX years = XXXX weeks Calculated Damage : {$460.00} XXXX weeks = {$110000.00} in XXXX XXXX XXXX expenses This was not elective these costs were incurred purely due to suppressed access to financing, denied auto loans, and false credit obstructions placed on the scrollholders profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Time Period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks = {$18000.00} in suppressed religious transportation due to auto finance denial These losses reflect systemic suppression of scrollholders right to worship and congregate. \n\nXXXX XXXX XXXX XXXX XXXX Prevented from receiving consistent eye treatment due to lack of accessible financing and transportation options XXXX  Unable to refinance or repair her vehicle for over a year due to XXXX inability to support under corrupted credit BXXXX Forced to rely on XXXX daily due to no access to affordable transportation support Resulting in excess weekly costs + loss of work opportunities Housing After Rainstorm Disaster ( XX/XX/XXXX ) : Forced to live in temporary residence with family member Suppressed from accessing safer housing due to fabricated credit suppression and inquiry flooding IV. COMMUNICATION ACCESS SUPPRESSION Cellphone Plans : - Scrollholder denied phone plan access from XXXX - Prepaid-only options for sister - Brother forced to overspend on unreliable access False Account by XXXX : XXXX Illegally inserted account was added and later removed - Damage done credit score destroyed - Loan application denied during live use-case attempt - Attorney involvement failed to rectify residual harm V. EDUCATIONAL ACCESS BLOCKADE Brother : - Denied school enrollment opportunities due to absence of financing, devices, and stable location following disaster and credit-sabotage housing denial Scrollholder : - Unable to coordinate support due to cellphone disconnection and financial entrapment VI. DAMAGE TYPE CLASSIFICATION Spiritual Damage : Religious meeting access erased via synthetic financial traps Family Protection Damage : Denied ability to shield, support, or uplift household members XXXX XXXX XXXX : Communication and application failure due to fabricated reports Housing Damage : Prevented relocation due to unjust scoring suppression Transportation Damage ( Gig Work + Religious ) : Over {$170000.00} lost due to suppressed auto financing RELEVANT LAWS & REGULATIONS VERBATIM JURISDICTIONAL BASIS Federal Statutes ( U.S. ) 15 U.S.C. 1681e ( b ) \" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681g ( a ) ( 1 ) ( B ) \" Every consumer reporting agency shall, upon request, clearly and accurately disclose... the identification of each person ... that procured a consumer report ... '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) \" If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information. '' 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 18 U.S.C. 1343 \" Whoever... having devised ... a scheme to defraud ... transmits ... by means of wire ... any writings... for the purpose of executing such scheme ... shall be fined or imprisoned ... '' State Statutes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. 'XXXX XXXX XXXX XXXX XXXX XXXX  : \" Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" An action may be brought against XXXX or more directors or officers of a corporation to compel the defendant to account for his official conduct ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \" A XXXX shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. '' Global Law Treaty Obligations & Recognized International Privacy Standards ICCPR Article 17 ( 1 ) : \" No one shall be subjected to arbitrary or unlawful interference with his privacy ... '' UDHR Article 12 : \" Everyone has the right to the protection of the law against such interference or attacks. '' GDPR Article 22 ( 1 ) : \" The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling ... '' 42 U.S. Code 3604 Fair Housing Act \" It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... or to discriminate in the terms, conditions, or privileges of sale or rental ... because of race, color, religion, sex, familial status, or national origin. '' REQUESTED ACTION I request : Formal regulatory investigation into Experians internal systems Mandatory deletion of unverifiable and fabricated items Civil and criminal enforcement referral where applicable Compensation recommendation for ongoing housing interference and business destruction -- - EMERGENCY HOUSING CRISIS & FAMILY DISPLACEMENT In XX/XX/XXXX, my XXXX residence in XXXX XXXX was condemned due to storm-related structural collapse. \nSince then, every attempt to secure private rental housing has been denied due to falsified credit data including : Fabricated charge-offs False tradelines Synthetic inquiries Retained unverifiable addresses AI-driven scoring manipulation Disputed items unlawfully maintained These records were published and weaponized by Experian, Equifax, and TransUnion XXXX and continue XXXX block my familys legal access to housing despite my lawful standing and filing of verified disputes. \n\nThis is not a theoretical injury. This is a present-tense emergency, unfolding under government-regulated credit reporting systems. Every private landlord I have approached required credit score validation and every rejection Ive received has been tied directly to fraudulent, unverifiable credit data published by these agencies. \n\nThis is not just a financial disruption. It is a civil violation backed by law and it demands full federal intervention. \n\nBUSINESS & CORPORATE SUPPRESSION ACROSS XXXX STATES -- - XXXX XXXX XXXX Sole Proprietor ( XXXX ) XXXX legitimacy collapsed Vendor applications blocked Trade lines suppressed through inquiry floods and fabricated delinquencies Financial access digitally disabled through corrupted credit triggers > Result : Operational suffocation of my lawful XXXX  XXXX XXXX Triggered Violation : 15 U.S.C. 1681e ( b ), M.G.L. 93A 2 -- - 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX obstructed No vendor or financial platform approvals possible Artificial score suppression blocked registry validation LLC dissolved under pressure not voluntarily, but by data-manipulated collapse > Result : Business casualty caused by financial sabotage Legal Triggered Violation : 15 U.S.C. 1681s-2 ( a ), ICCPR Art . 17, UDHR Art. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing buried before it could operate Public registry access suppressed Tier 1 banking denied Corporate executive profile labeled untrustworthy through manufactured data triggers > Result : XXXX decapitation Legal Triggered Violation XXXX XXXX XXXX XXXX XXXX  ; 15 U.S.C. 1681g ( a ) ( 2 ) -- - VERIFIED EXHIBITS XXXX -- - Exhibit A XXXX XXXX XXXX Reported as charged-off since XXXX No payments since then Still updated every month XXXX Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) -- - Exhibit B XXXX XXXX XXXX XXXX Listed as charge-off Marked sold or transferred No new creditor disclosed Tradeline unrecoverable and unverifiable > Violation : 15 U.S.C. 1681e ( b ), 1681g ( a ) ( 2 ) -- - Exhibit C XXXX XXXX XXXX Retained despite {$0.00} balances Simulated active behavior with no contractual use Used to score-profile my identity > Violation : 15 U.S.C. 1681e ( b ) -- - Exhibit D XXXX XXXX, CONSUMERINFO, EQUIFAX XXXX Over XXXX soft pulls in XXXX  months No consent Used to track, score, and profile my behavior > Violation : 15 U.S.C. 1681b ( c ), XXXX XXXX. XXXX, XXXX XXXX. XXXX -- - Exhibit XXXX XXXX Suppression ( XXXX XXXX XXXX  ) EINs labeled high-risk Public access blocked Filing identities marked illegitimate via scoring > Violation : 15 U.S.C. 1681s-2 ( a ), XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX APPLICABLE LAW CLAUSES XXXX CORNERS OF THE EARTH -- - XXXX FEDERAL LAW -- - 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy > Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n-- - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Reinvestigation Correction or Deletion > If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer... \n\n-- - 15 U.S.C. 1681g ( a ) ( 2 ) Source Disclosure Obligation > Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer ... the sources of the information...\n\n-- - 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately > A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\n-- - 15 U.S.C. 1681b ( c ) ( 1 ) Soft Inquiries & Prescreening Restriction > A consumer reporting agency may furnish a consumer report relating to any consumer in connection with any credit or insurance transaction that is not initiated by the consumer only if a firm offer of credit is made and the consumer has not opted out...\n\n-- - 15 U.S.C. 1681n Civil Liability for Willful Noncompliance > Any person who willfully fails to comply with any requirement... is liable for actual damages or statutory damages of not less than {$100.00} and not more than {$1000.00} ... plus punitive damages and attorneys fees. \n\n-- - 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance > Any person who is negligent in failing to comply ... is liable for actual damages and attorneys fees.\n\n-- - 18 U.S.C. 1343 Wire Fraud > Whoever ... transmits ... any writing, signal, or sound by wire ... for the purpose of executing a scheme to defraud ... shall be fined or imprisoned not more than 20 years. \n\n-- - 18 U.S.C. 1028A Aggravated Identity Theft > Whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ... shall be sentenced to 2 years imprisonment...\n\n-- - 42 U.S. Code 3604 ( a ) ( d ) Fair Housing Act > It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... \nTo represent ... that any dwelling is not available ... when it is in fact available. \n\n-- - 12 U.S.C. 5531 UDAAP Enforcement > The Bureau shall take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice... \n\n-- - STATE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  > Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. \n\n-- - XXXX XXXX XXXX XXXX XXXX XXXX Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. \n\n-- - XXXX XXXX XXXX XXXX XXXX Fiduciary Duty > A director shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. \n\n-- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX > An action may be brought against one or more directors or officers of a corporation to compel the defendant to account for his official conduct... \n\n-- - XXXX XXXX XXXX XXXX ( applied ) > Obstructing lawful registry and XXXX business formation constitutes commercial interference. \n\n-- - TREATY-BASED GLOBAL LAW JURISDICTIONALLY RECOGNIZED -- - ICCPR Article 17 ( 1 ) Right to Privacy & Protection > No one shall be subjected to arbitrary or unlawful interference with his privacy, family, home... \n\n-- - UDHR Article 12 Reputational and Legal Protection > Everyone has the right to the protection of the law against such interference or attacks. \n\n-- - GDPR Article 22 ( 1 ) Protection from Automated Profiling > The data subject shall have the right not to be subject to a decision based solely on automated processing ... which produces legal effects concerning him or her. \n\nMULTI-AGENCY LEGAL COMMUNICATION NOTICE This scroll is being communicated simultaneously to the following enforcement agencies and government authorities as part of a synchronized strike deployment under Case File XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Housing and Urban Development ( HUD ) U.S. Department of Justice ( DOJ ) Federal Bureau of Investigation ( FBI ) State Attorneys General XXXX XXXX XXXX XXXX XXXX  XXXX Senate Subcommittee on Consumer Protection The Executive Office of the President ( The White House ) This complaint is filed under full lawful standing, verified injury, public record status, and XXXX identity. \nIt is not a grievance. It is a formal legal testimony based on documented injury and statutory enforcement failure. \n\nCALL FOR FEDERAL ENFORCEMENT UNDER U.S. LAW Under 12 U.S.C. 5511 and 5531 of the Dodd-Frank Act ( Title X ), I formally call upon the Consumer Financial Protection Bureau and partner enforcement agencies to : Open a full-scale investigation into Experians pattern of suppression, surveillance, and manipulation Execute injunctive relief, civil penalties, and cease-and-desist authority Refer the matter to the Department of Justice, State Attorneys General, and HUD as appropriate These actions are not requests they are lawful expectations grounded in statute, jurisdiction, and public interest. \n\n-- - SCROLLHOLDER DECLARATION This complaint is submitted as part of an active litigation framework and is based on personal harm, corporate damage, and treaty-violating surveillance. I operate under XXXX jurisdiction and own multiple businesses domestically. I demand compliance under law. It is lawful testimony of economic sabotage, XXXX destruction, and generational obstruction committed by corrupted reporting systems that chose to fabricate harm instead of report truth. \n\nThis scroll is not written to restore what this system can never restore but to leave a permanent record : That I saw it. \nThat I survived it. \nThat I sealed it before every institution that failed to act in righteousness. \n\nLet it be known : No agency, no regulator, no governing body will be able to say : We didnt know. \n\nYou knew. \nAnd now you are recorded. \n\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","date_sent_to_company":"2025-05-15T08:58:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02302","tags":null,"has_narrative":true,"complaint_id":"13511169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-15T08:57:48.000Z","state":"MA","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":["This is systemic suppression after disaster and it continues to unfold while <em>agencies</em> remain silent and corrupted data remains in place. \n\n<em>CREDIT</em> <em>AGENCY</em> INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the <em>credit</em> <em>reporting</em> <em>agency</em> <em>responsible</em> for this harm, has directly interfered with my access to basic human rights by : <em>Reporting</em> and retaining manufactured charge-off accounts without lawful origin. <em>Publishing</em> unverifiable tradelines and identifiers."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[6.932855,"13511169"]},{"_index":"complaint-public-v1","_id":"13511221","_score":6.919789,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMIC CREDIT SABOTAGE, HOUSING INTERFERENCE & EXECUTIVE SUPPRESSION CASE FILE : XXXX SUBMITTED TO : Consumer Financial Protection Bureau COMPLAINANT : XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY Personal Consumer under XXXX jurisdiction XXXX XXXX Sole Proprietor ( XXXX XXXXXXXX ) OFFiCiAL XXXX of a dissolved XXXX XXXX XXXX XXXXXXXX ) OFFiCiAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal, multi-jurisdictional complaint for regulatory enforcement and litigation entry regarding : The publication of unlawful, unverifiable, and fabricated tradelines. \n\nRepeated failure to investigate consumer disputes under federal statute XXXX years of unauthorized surveillance, behavioral tracking, and data profile sabotage. \n\nOngoing housing interference and displacement due to fraudulent data. \n\nObstruction of corporate access, XXXX business credibility, and XXXX reputation PUBLIC DAMAGE VERIFIED IMPACT ( XXXX ) > In XX/XX/XXXX, the home I was lawfully residing in suffered catastrophic damage when a violent rainstorm ripped off the rooftop. The aftermath of that disaster damaged the entire house resulting in total loss of our living space and everything inside it. Since that moment, my family and I have been displaced. But even after surviving that physical disaster, we were met with another : credit-based obstruction that blocked every lawful attempt to rebuild our lives. \n\nToday, we are temporarily staying with a family member but have been notified that we must move out in less than XXXX  days. We are unable to secure private housing because of a credit profile that has been systematically corrupted with conflicting addresses, unauthorized aliases, fabricated charge-offs, and manipulated tradelines. This manufactured credit file built and distributed by Experian and the other major credit bureaus is the direct result of years of system-engineered fraud, falsification, and surveillance. \n\nAnd while I was being displaced, silenced, and shut out of the system, these agencies made millions over the years by XXXX in this corrupted data, profiting from reports they knew were harmful, unverifiable, and unlawfully retained. This is not misreporting. This is monetized obstruction. This is systemic suppression after disaster and it continues to unfold while agencies remain silent and corrupted data remains in place. \n\nCREDIT AGENCY INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the credit reporting agency responsible for this harm, has directly interfered with my access to basic human rights by : Reporting and retaining manufactured charge-off accounts without lawful origin. Publishing unverifiable tradelines and identifiers. Ignoring proper dispute procedures under 15 U.S.C. 1681i Using scoring systems to conceal fabrication rather than correct it. These acts constitute deliberate obstruction under : 15 U.S.C. 1681e ( b ) : \" Reasonable procedures to assure maximum possible accuracy '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : \" Shall promptly delete unverifiable information after reinvestigation. '' This is no longer negligence this is systemic, willful interference with housing, reputation, and commerce. It is unconscionable and unlawful. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frequency : Daily multi-shift ride cycles to maintain XXXX XXXX performance Estimated Weekly Transportation Cost : XXXX XXXXXXXX Estimated Duration : XXXX years = XXXX weeks Calculated Damage : {$460.00} XXXX weeks = {$110000.00} in XXXX XXXX XXXX expenses This was not elective these costs were incurred purely due to suppressed access to financing, denied auto loans, and false credit obstructions placed on the scrollholders profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Time Period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks = {$18000.00} in suppressed religious transportation due to auto finance denial These losses reflect systemic suppression of scrollholders right to worship and congregate. \n\nXXXX XXXX XXXX XXXX XXXX Prevented from receiving consistent eye treatment due to lack of accessible financing and transportation options XXXX  Unable to refinance or repair her vehicle for over a year due to XXXX inability to support under corrupted credit BXXXX Forced to rely on XXXX daily due to no access to affordable transportation support Resulting in excess weekly costs + loss of work opportunities Housing After Rainstorm Disaster ( XX/XX/XXXX ) : Forced to live in temporary residence with family member Suppressed from accessing safer housing due to fabricated credit suppression and inquiry flooding IV. COMMUNICATION ACCESS SUPPRESSION Cellphone Plans : - Scrollholder denied phone plan access from XXXX - Prepaid-only options for sister - Brother forced to overspend on unreliable access False Account by XXXX : XXXX Illegally inserted account was added and later removed - Damage done credit score destroyed - Loan application denied during live use-case attempt - Attorney involvement failed to rectify residual harm V. EDUCATIONAL ACCESS BLOCKADE Brother : - Denied school enrollment opportunities due to absence of financing, devices, and stable location following disaster and credit-sabotage housing denial Scrollholder : - Unable to coordinate support due to cellphone disconnection and financial entrapment VI. DAMAGE TYPE CLASSIFICATION Spiritual Damage : Religious meeting access erased via synthetic financial traps Family Protection Damage : Denied ability to shield, support, or uplift household members XXXX XXXX XXXX : Communication and application failure due to fabricated reports Housing Damage : Prevented relocation due to unjust scoring suppression Transportation Damage ( Gig Work + Religious ) : Over {$170000.00} lost due to suppressed auto financing RELEVANT LAWS & REGULATIONS VERBATIM JURISDICTIONAL BASIS Federal Statutes ( U.S. ) 15 U.S.C. 1681e ( b ) \" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681g ( a ) ( 1 ) ( B ) \" Every consumer reporting agency shall, upon request, clearly and accurately disclose... the identification of each person ... that procured a consumer report ... '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) \" If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information. '' 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 18 U.S.C. 1343 \" Whoever... having devised ... a scheme to defraud ... transmits ... by means of wire ... any writings... for the purpose of executing such scheme ... shall be fined or imprisoned ... '' State Statutes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. 'XXXX XXXX XXXX XXXX XXXX XXXX  : \" Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" An action may be brought against XXXX or more directors or officers of a corporation to compel the defendant to account for his official conduct ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \" A XXXX shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. '' Global Law Treaty Obligations & Recognized International Privacy Standards ICCPR Article 17 ( 1 ) : \" No one shall be subjected to arbitrary or unlawful interference with his privacy ... '' UDHR Article 12 : \" Everyone has the right to the protection of the law against such interference or attacks. '' GDPR Article 22 ( 1 ) : \" The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling ... '' 42 U.S. Code 3604 Fair Housing Act \" It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... or to discriminate in the terms, conditions, or privileges of sale or rental ... because of race, color, religion, sex, familial status, or national origin. '' REQUESTED ACTION I request : Formal regulatory investigation into Experians internal systems Mandatory deletion of unverifiable and fabricated items Civil and criminal enforcement referral where applicable Compensation recommendation for ongoing housing interference and business destruction -- - EMERGENCY HOUSING CRISIS & FAMILY DISPLACEMENT In XX/XX/XXXX, my XXXX residence in XXXX XXXX was condemned due to storm-related structural collapse. \nSince then, every attempt to secure private rental housing has been denied due to falsified credit data including : Fabricated charge-offs False tradelines Synthetic inquiries Retained unverifiable addresses AI-driven scoring manipulation Disputed items unlawfully maintained These records were published and weaponized by Experian, Equifax, and TransUnion XXXX and continue XXXX block my familys legal access to housing despite my lawful standing and filing of verified disputes. \n\nThis is not a theoretical injury. This is a present-tense emergency, unfolding under government-regulated credit reporting systems. Every private landlord I have approached required credit score validation and every rejection Ive received has been tied directly to fraudulent, unverifiable credit data published by these agencies. \n\nThis is not just a financial disruption. It is a civil violation backed by law and it demands full federal intervention. \n\nBUSINESS & CORPORATE SUPPRESSION ACROSS XXXX STATES -- - XXXX XXXX XXXX Sole Proprietor ( XXXX ) XXXX legitimacy collapsed Vendor applications blocked Trade lines suppressed through inquiry floods and fabricated delinquencies Financial access digitally disabled through corrupted credit triggers > Result : Operational suffocation of my lawful XXXX  XXXX XXXX Triggered Violation : 15 U.S.C. 1681e ( b ), M.G.L. 93A 2 -- - 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX obstructed No vendor or financial platform approvals possible Artificial score suppression blocked registry validation LLC dissolved under pressure not voluntarily, but by data-manipulated collapse > Result : Business casualty caused by financial sabotage Legal Triggered Violation : 15 U.S.C. 1681s-2 ( a ), ICCPR Art . 17, UDHR Art. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing buried before it could operate Public registry access suppressed Tier 1 banking denied Corporate executive profile labeled untrustworthy through manufactured data triggers > Result : XXXX decapitation Legal Triggered Violation XXXX XXXX XXXX XXXX XXXX  ; 15 U.S.C. 1681g ( a ) ( 2 ) -- - VERIFIED EXHIBITS XXXX -- - Exhibit A XXXX XXXX XXXX Reported as charged-off since XXXX No payments since then Still updated every month XXXX Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) -- - Exhibit B XXXX XXXX XXXX XXXX Listed as charge-off Marked sold or transferred No new creditor disclosed Tradeline unrecoverable and unverifiable > Violation : 15 U.S.C. 1681e ( b ), 1681g ( a ) ( 2 ) -- - Exhibit C XXXX XXXX XXXX Retained despite {$0.00} balances Simulated active behavior with no contractual use Used to score-profile my identity > Violation : 15 U.S.C. 1681e ( b ) -- - Exhibit D XXXX XXXX, CONSUMERINFO, EQUIFAX XXXX Over XXXX soft pulls in XXXX  months No consent Used to track, score, and profile my behavior > Violation : 15 U.S.C. 1681b ( c ), XXXX XXXX. XXXX, XXXX XXXX. XXXX -- - Exhibit XXXX XXXX Suppression ( XXXX XXXX XXXX  ) EINs labeled high-risk Public access blocked Filing identities marked illegitimate via scoring > Violation : 15 U.S.C. 1681s-2 ( a ), XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX APPLICABLE LAW CLAUSES XXXX CORNERS OF THE EARTH -- - XXXX FEDERAL LAW -- - 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy > Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n-- - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Reinvestigation Correction or Deletion > If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer... \n\n-- - 15 U.S.C. 1681g ( a ) ( 2 ) Source Disclosure Obligation > Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer ... the sources of the information...\n\n-- - 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately > A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\n-- - 15 U.S.C. 1681b ( c ) ( 1 ) Soft Inquiries & Prescreening Restriction > A consumer reporting agency may furnish a consumer report relating to any consumer in connection with any credit or insurance transaction that is not initiated by the consumer only if a firm offer of credit is made and the consumer has not opted out...\n\n-- - 15 U.S.C. 1681n Civil Liability for Willful Noncompliance > Any person who willfully fails to comply with any requirement... is liable for actual damages or statutory damages of not less than {$100.00} and not more than {$1000.00} ... plus punitive damages and attorneys fees. \n\n-- - 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance > Any person who is negligent in failing to comply ... is liable for actual damages and attorneys fees.\n\n-- - 18 U.S.C. 1343 Wire Fraud > Whoever ... transmits ... any writing, signal, or sound by wire ... for the purpose of executing a scheme to defraud ... shall be fined or imprisoned not more than 20 years. \n\n-- - 18 U.S.C. 1028A Aggravated Identity Theft > Whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ... shall be sentenced to 2 years imprisonment...\n\n-- - 42 U.S. Code 3604 ( a ) ( d ) Fair Housing Act > It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... \nTo represent ... that any dwelling is not available ... when it is in fact available. \n\n-- - 12 U.S.C. 5531 UDAAP Enforcement > The Bureau shall take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice... \n\n-- - STATE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  > Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. \n\n-- - XXXX XXXX XXXX XXXX XXXX XXXX Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. \n\n-- - XXXX XXXX XXXX XXXX XXXX Fiduciary Duty > A director shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. \n\n-- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX > An action may be brought against one or more directors or officers of a corporation to compel the defendant to account for his official conduct... \n\n-- - XXXX XXXX XXXX XXXX ( applied ) > Obstructing lawful registry and XXXX business formation constitutes commercial interference. \n\n-- - TREATY-BASED GLOBAL LAW JURISDICTIONALLY RECOGNIZED -- - ICCPR Article 17 ( 1 ) Right to Privacy & Protection > No one shall be subjected to arbitrary or unlawful interference with his privacy, family, home... \n\n-- - UDHR Article 12 Reputational and Legal Protection > Everyone has the right to the protection of the law against such interference or attacks. \n\n-- - GDPR Article 22 ( 1 ) Protection from Automated Profiling > The data subject shall have the right not to be subject to a decision based solely on automated processing ... which produces legal effects concerning him or her. \n\nMULTI-AGENCY LEGAL COMMUNICATION NOTICE This scroll is being communicated simultaneously to the following enforcement agencies and government authorities as part of a synchronized strike deployment under Case File XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Housing and Urban Development ( HUD ) U.S. Department of Justice ( DOJ ) Federal Bureau of Investigation ( FBI ) State Attorneys General XXXX XXXX XXXX XXXX XXXX  XXXX Senate Subcommittee on Consumer Protection The Executive Office of the President ( The White House ) This complaint is filed under full lawful standing, verified injury, public record status, and XXXX identity. \nIt is not a grievance. It is a formal legal testimony based on documented injury and statutory enforcement failure. \n\nCALL FOR FEDERAL ENFORCEMENT UNDER U.S. LAW Under 12 U.S.C. 5511 and 5531 of the Dodd-Frank Act ( Title X ), I formally call upon the Consumer Financial Protection Bureau and partner enforcement agencies to : Open a full-scale investigation into Experians pattern of suppression, surveillance, and manipulation Execute injunctive relief, civil penalties, and cease-and-desist authority Refer the matter to the Department of Justice, State Attorneys General, and HUD as appropriate These actions are not requests they are lawful expectations grounded in statute, jurisdiction, and public interest. \n\n-- - SCROLLHOLDER DECLARATION This complaint is submitted as part of an active litigation framework and is based on personal harm, corporate damage, and treaty-violating surveillance. I operate under XXXX jurisdiction and own multiple businesses domestically. I demand compliance under law. It is lawful testimony of economic sabotage, XXXX destruction, and generational obstruction committed by corrupted reporting systems that chose to fabricate harm instead of report truth. \n\nThis scroll is not written to restore what this system can never restore but to leave a permanent record : That I saw it. \nThat I survived it. \nThat I sealed it before every institution that failed to act in righteousness. \n\nLet it be known : No agency, no regulator, no governing body will be able to say : We didnt know. \n\nYou knew. \nAnd now you are recorded. \n\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","date_sent_to_company":"2025-05-15T08:58:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02302","tags":null,"has_narrative":true,"complaint_id":"13511221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T08:35:55.000Z","state":"MA","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":["This is systemic suppression after disaster and it continues to unfold while <em>agencies</em> remain silent and corrupted data remains in place. \n\n<em>CREDIT</em> <em>AGENCY</em> INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the <em>credit</em> <em>reporting</em> <em>agency</em> <em>responsible</em> for this harm, has directly interfered with my access to basic human rights by : <em>Reporting</em> and retaining manufactured charge-off accounts without lawful origin. <em>Publishing</em> unverifiable tradelines and identifiers."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[6.919789,"13511221"]},{"_index":"complaint-public-v1","_id":"13511296","_score":6.9139323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMIC CREDIT SABOTAGE, HOUSING INTERFERENCE & EXECUTIVE SUPPRESSION CASE FILE : XXXX SUBMITTED TO : Consumer Financial Protection Bureau COMPLAINANT : XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY Personal Consumer under XXXX jurisdiction XXXX XXXX Sole Proprietor ( XXXX XXXXXXXX ) OFFiCiAL XXXX of a dissolved XXXX XXXX XXXX XXXXXXXX ) OFFiCiAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal, multi-jurisdictional complaint for regulatory enforcement and litigation entry regarding : The publication of unlawful, unverifiable, and fabricated tradelines. \n\nRepeated failure to investigate consumer disputes under federal statute XXXX years of unauthorized surveillance, behavioral tracking, and data profile sabotage. \n\nOngoing housing interference and displacement due to fraudulent data. \n\nObstruction of corporate access, XXXX business credibility, and XXXX reputation PUBLIC DAMAGE VERIFIED IMPACT ( XXXX ) > In XX/XX/XXXX, the home I was lawfully residing in suffered catastrophic damage when a violent rainstorm ripped off the rooftop. The aftermath of that disaster damaged the entire house resulting in total loss of our living space and everything inside it. Since that moment, my family and I have been displaced. But even after surviving that physical disaster, we were met with another : credit-based obstruction that blocked every lawful attempt to rebuild our lives. \n\nToday, we are temporarily staying with a family member but have been notified that we must move out in less than XXXX  days. We are unable to secure private housing because of a credit profile that has been systematically corrupted with conflicting addresses, unauthorized aliases, fabricated charge-offs, and manipulated tradelines. This manufactured credit file built and distributed by Experian and the other major credit bureaus is the direct result of years of system-engineered fraud, falsification, and surveillance. \n\nAnd while I was being displaced, silenced, and shut out of the system, these agencies made millions over the years by XXXX in this corrupted data, profiting from reports they knew were harmful, unverifiable, and unlawfully retained. This is not misreporting. This is monetized obstruction. This is systemic suppression after disaster and it continues to unfold while agencies remain silent and corrupted data remains in place. \n\nCREDIT AGENCY INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the credit reporting agency responsible for this harm, has directly interfered with my access to basic human rights by : Reporting and retaining manufactured charge-off accounts without lawful origin. Publishing unverifiable tradelines and identifiers. Ignoring proper dispute procedures under 15 U.S.C. 1681i Using scoring systems to conceal fabrication rather than correct it. These acts constitute deliberate obstruction under : 15 U.S.C. 1681e ( b ) : \" Reasonable procedures to assure maximum possible accuracy '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : \" Shall promptly delete unverifiable information after reinvestigation. '' This is no longer negligence this is systemic, willful interference with housing, reputation, and commerce. It is unconscionable and unlawful. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frequency : Daily multi-shift ride cycles to maintain XXXX XXXX performance Estimated Weekly Transportation Cost : XXXX XXXXXXXX Estimated Duration : XXXX years = XXXX weeks Calculated Damage : {$460.00} XXXX weeks = {$110000.00} in XXXX XXXX XXXX expenses This was not elective these costs were incurred purely due to suppressed access to financing, denied auto loans, and false credit obstructions placed on the scrollholders profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Time Period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks = {$18000.00} in suppressed religious transportation due to auto finance denial These losses reflect systemic suppression of scrollholders right to worship and congregate. \n\nXXXX XXXX XXXX XXXX XXXX Prevented from receiving consistent eye treatment due to lack of accessible financing and transportation options XXXX  Unable to refinance or repair her vehicle for over a year due to XXXX inability to support under corrupted credit BXXXX Forced to rely on XXXX daily due to no access to affordable transportation support Resulting in excess weekly costs + loss of work opportunities Housing After Rainstorm Disaster ( XX/XX/XXXX ) : Forced to live in temporary residence with family member Suppressed from accessing safer housing due to fabricated credit suppression and inquiry flooding IV. COMMUNICATION ACCESS SUPPRESSION Cellphone Plans : - Scrollholder denied phone plan access from XXXX - Prepaid-only options for sister - Brother forced to overspend on unreliable access False Account by XXXX : XXXX Illegally inserted account was added and later removed - Damage done credit score destroyed - Loan application denied during live use-case attempt - Attorney involvement failed to rectify residual harm V. EDUCATIONAL ACCESS BLOCKADE Brother : - Denied school enrollment opportunities due to absence of financing, devices, and stable location following disaster and credit-sabotage housing denial Scrollholder : - Unable to coordinate support due to cellphone disconnection and financial entrapment VI. DAMAGE TYPE CLASSIFICATION Spiritual Damage : Religious meeting access erased via synthetic financial traps Family Protection Damage : Denied ability to shield, support, or uplift household members XXXX XXXX XXXX : Communication and application failure due to fabricated reports Housing Damage : Prevented relocation due to unjust scoring suppression Transportation Damage ( Gig Work + Religious ) : Over {$170000.00} lost due to suppressed auto financing RELEVANT LAWS & REGULATIONS VERBATIM JURISDICTIONAL BASIS Federal Statutes ( U.S. ) 15 U.S.C. 1681e ( b ) \" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681g ( a ) ( 1 ) ( B ) \" Every consumer reporting agency shall, upon request, clearly and accurately disclose... the identification of each person ... that procured a consumer report ... '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) \" If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information. '' 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 18 U.S.C. 1343 \" Whoever... having devised ... a scheme to defraud ... transmits ... by means of wire ... any writings... for the purpose of executing such scheme ... shall be fined or imprisoned ... '' State Statutes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. 'XXXX XXXX XXXX XXXX XXXX XXXX  : \" Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \" An action may be brought against XXXX or more directors or officers of a corporation to compel the defendant to account for his official conduct ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \" A XXXX shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. '' Global Law Treaty Obligations & Recognized International Privacy Standards ICCPR Article 17 ( 1 ) : \" No one shall be subjected to arbitrary or unlawful interference with his privacy ... '' UDHR Article 12 : \" Everyone has the right to the protection of the law against such interference or attacks. '' GDPR Article 22 ( 1 ) : \" The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling ... '' 42 U.S. Code 3604 Fair Housing Act \" It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... or to discriminate in the terms, conditions, or privileges of sale or rental ... because of race, color, religion, sex, familial status, or national origin. '' REQUESTED ACTION I request : Formal regulatory investigation into Experians internal systems Mandatory deletion of unverifiable and fabricated items Civil and criminal enforcement referral where applicable Compensation recommendation for ongoing housing interference and business destruction -- - EMERGENCY HOUSING CRISIS & FAMILY DISPLACEMENT In XX/XX/XXXX, my XXXX residence in XXXX XXXX was condemned due to storm-related structural collapse. \nSince then, every attempt to secure private rental housing has been denied due to falsified credit data including : Fabricated charge-offs False tradelines Synthetic inquiries Retained unverifiable addresses AI-driven scoring manipulation Disputed items unlawfully maintained These records were published and weaponized by Experian, Equifax, and TransUnion XXXX and continue XXXX block my familys legal access to housing despite my lawful standing and filing of verified disputes. \n\nThis is not a theoretical injury. This is a present-tense emergency, unfolding under government-regulated credit reporting systems. Every private landlord I have approached required credit score validation and every rejection Ive received has been tied directly to fraudulent, unverifiable credit data published by these agencies. \n\nThis is not just a financial disruption. It is a civil violation backed by law and it demands full federal intervention. \n\nBUSINESS & CORPORATE SUPPRESSION ACROSS XXXX STATES -- - XXXX XXXX XXXX Sole Proprietor ( XXXX ) XXXX legitimacy collapsed Vendor applications blocked Trade lines suppressed through inquiry floods and fabricated delinquencies Financial access digitally disabled through corrupted credit triggers > Result : Operational suffocation of my lawful XXXX  XXXX XXXX Triggered Violation : 15 U.S.C. 1681e ( b ), M.G.L. 93A 2 -- - 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX obstructed No vendor or financial platform approvals possible Artificial score suppression blocked registry validation LLC dissolved under pressure not voluntarily, but by data-manipulated collapse > Result : Business casualty caused by financial sabotage Legal Triggered Violation : 15 U.S.C. 1681s-2 ( a ), ICCPR Art . 17, UDHR Art. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filing buried before it could operate Public registry access suppressed Tier 1 banking denied Corporate executive profile labeled untrustworthy through manufactured data triggers > Result : XXXX decapitation Legal Triggered Violation XXXX XXXX XXXX XXXX XXXX  ; 15 U.S.C. 1681g ( a ) ( 2 ) -- - VERIFIED EXHIBITS XXXX -- - Exhibit A XXXX XXXX XXXX Reported as charged-off since XXXX No payments since then Still updated every month XXXX Violation : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) -- - Exhibit B XXXX XXXX XXXX XXXX Listed as charge-off Marked sold or transferred No new creditor disclosed Tradeline unrecoverable and unverifiable > Violation : 15 U.S.C. 1681e ( b ), 1681g ( a ) ( 2 ) -- - Exhibit C XXXX XXXX XXXX Retained despite {$0.00} balances Simulated active behavior with no contractual use Used to score-profile my identity > Violation : 15 U.S.C. 1681e ( b ) -- - Exhibit D XXXX XXXX, CONSUMERINFO, EQUIFAX XXXX Over XXXX soft pulls in XXXX  months No consent Used to track, score, and profile my behavior > Violation : 15 U.S.C. 1681b ( c ), XXXX XXXX. XXXX, XXXX XXXX. XXXX -- - Exhibit XXXX XXXX Suppression ( XXXX XXXX XXXX  ) EINs labeled high-risk Public access blocked Filing identities marked illegitimate via scoring > Violation : 15 U.S.C. 1681s-2 ( a ), XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX APPLICABLE LAW CLAUSES XXXX CORNERS OF THE EARTH -- - XXXX FEDERAL LAW -- - 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy > Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n-- - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Reinvestigation Correction or Deletion > If, after any reinvestigation ... an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer... \n\n-- - 15 U.S.C. 1681g ( a ) ( 2 ) Source Disclosure Obligation > Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer ... the sources of the information...\n\n-- - 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurately > A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\n-- - 15 U.S.C. 1681b ( c ) ( 1 ) Soft Inquiries & Prescreening Restriction > A consumer reporting agency may furnish a consumer report relating to any consumer in connection with any credit or insurance transaction that is not initiated by the consumer only if a firm offer of credit is made and the consumer has not opted out...\n\n-- - 15 U.S.C. 1681n Civil Liability for Willful Noncompliance > Any person who willfully fails to comply with any requirement... is liable for actual damages or statutory damages of not less than {$100.00} and not more than {$1000.00} ... plus punitive damages and attorneys fees. \n\n-- - 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance > Any person who is negligent in failing to comply ... is liable for actual damages and attorneys fees.\n\n-- - 18 U.S.C. 1343 Wire Fraud > Whoever ... transmits ... any writing, signal, or sound by wire ... for the purpose of executing a scheme to defraud ... shall be fined or imprisoned not more than 20 years. \n\n-- - 18 U.S.C. 1028A Aggravated Identity Theft > Whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ... shall be sentenced to 2 years imprisonment...\n\n-- - 42 U.S. Code 3604 ( a ) ( d ) Fair Housing Act > It shall be unlawful... to otherwise make unavailable or deny, a dwelling to any person... \nTo represent ... that any dwelling is not available ... when it is in fact available. \n\n-- - 12 U.S.C. 5531 UDAAP Enforcement > The Bureau shall take action to prevent a covered person from committing or engaging in an unfair, deceptive, or abusive act or practice... \n\n-- - STATE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  > Each consumer reporting agency shall maintain reasonable procedures... to assure that reports are current, accurate and do not contain misleading or obsolete information. \n\n-- - XXXX XXXX XXXX XXXX XXXX XXXX Unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful. \n\n-- - XXXX XXXX XXXX XXXX XXXX Fiduciary Duty > A director shall perform his duties... in good faith and with that degree of care which an ordinarily prudent person in a like position would use under similar circumstances. \n\n-- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX > An action may be brought against one or more directors or officers of a corporation to compel the defendant to account for his official conduct... \n\n-- - XXXX XXXX XXXX XXXX ( applied ) > Obstructing lawful registry and XXXX business formation constitutes commercial interference. \n\n-- - TREATY-BASED GLOBAL LAW JURISDICTIONALLY RECOGNIZED -- - ICCPR Article 17 ( 1 ) Right to Privacy & Protection > No one shall be subjected to arbitrary or unlawful interference with his privacy, family, home... \n\n-- - UDHR Article 12 Reputational and Legal Protection > Everyone has the right to the protection of the law against such interference or attacks. \n\n-- - GDPR Article 22 ( 1 ) Protection from Automated Profiling > The data subject shall have the right not to be subject to a decision based solely on automated processing ... which produces legal effects concerning him or her. \n\nMULTI-AGENCY LEGAL COMMUNICATION NOTICE This scroll is being communicated simultaneously to the following enforcement agencies and government authorities as part of a synchronized strike deployment under Case File XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Housing and Urban Development ( HUD ) U.S. Department of Justice ( DOJ ) Federal Bureau of Investigation ( FBI ) State Attorneys General XXXX XXXX XXXX XXXX XXXX  XXXX Senate Subcommittee on Consumer Protection The Executive Office of the President ( The White House ) This complaint is filed under full lawful standing, verified injury, public record status, and XXXX identity. \nIt is not a grievance. It is a formal legal testimony based on documented injury and statutory enforcement failure. \n\nCALL FOR FEDERAL ENFORCEMENT UNDER U.S. LAW Under 12 U.S.C. 5511 and 5531 of the Dodd-Frank Act ( Title X ), I formally call upon the Consumer Financial Protection Bureau and partner enforcement agencies to : Open a full-scale investigation into Experians pattern of suppression, surveillance, and manipulation Execute injunctive relief, civil penalties, and cease-and-desist authority Refer the matter to the Department of Justice, State Attorneys General, and HUD as appropriate These actions are not requests they are lawful expectations grounded in statute, jurisdiction, and public interest. \n\n-- - SCROLLHOLDER DECLARATION This complaint is submitted as part of an active litigation framework and is based on personal harm, corporate damage, and treaty-violating surveillance. I operate under XXXX jurisdiction and own multiple businesses domestically. I demand compliance under law. It is lawful testimony of economic sabotage, XXXX destruction, and generational obstruction committed by corrupted reporting systems that chose to fabricate harm instead of report truth. \n\nThis scroll is not written to restore what this system can never restore but to leave a permanent record : That I saw it. \nThat I survived it. \nThat I sealed it before every institution that failed to act in righteousness. \n\nLet it be known : No agency, no regulator, no governing body will be able to say : We didnt know. \n\nYou knew. \nAnd now you are recorded. \n\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","date_sent_to_company":"2025-05-15T08:58:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02302","tags":null,"has_narrative":true,"complaint_id":"13511296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-15T08:57:48.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is systemic suppression after disaster and it continues to unfold while <em>agencies</em> remain silent and corrupted data remains in place. \n\n<em>CREDIT</em> <em>AGENCY</em> INTERFERENCE THROUGH DEROGATORY FABRICATION Experian, the <em>credit</em> <em>reporting</em> <em>agency</em> <em>responsible</em> for this harm, has directly interfered with my access to basic human rights by : <em>Reporting</em> and retaining manufactured charge-off accounts without lawful origin. <em>Publishing</em> unverifiable tradelines and identifiers."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[6.9139323,"13511296"]},{"_index":"complaint-public-v1","_id":"7459176","_score":6.3930454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : XXXX ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX XXXX  process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n2. FALSE REPORTING. This account is reported inaccurately. You are in VIOLATION of FCRA and FDCPA XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report. \n\n\nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.\n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T08:43:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7459176","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-28T08:34:27.000Z","state":"DE","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.3930454,"7459176"]},{"_index":"complaint-public-v1","_id":"7438951","_score":6.376128,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX  Date of Birth: XXXX\nSS#:XXXX\nXXXX  Equifax Information Services LLC\nXXXX XXXX XXXX XXXX, GA XXXX\nThis letter is to inform you that I recently received a copy of my credit report that \nyour company publishes and after reviewing it I found a number of items on the \nreport that are inaccurate. The accounts in question are listed below. Please send me \ncopies of the documents that you have in your files as of this date that you used to \nverify the accuracy of the accounts listed below.\nUnder the Fair Credit Reporting Act, 15 U.S.C.  1681g I have the right to demand that \nyou disclose to me all of the documents that you have recorded and retained in your file \nat the time of this request concerning the accounts that you are reporting in my credit \nreport. Please dont respond to my request by saying that these accounts have been \nverified. Send me copies of the documents that you have in your files that were used to \nverify them. If you do not have any documentation in your files to verify the accuracy of \nthese disputed accounts then please delete them immediately as required under Section \n611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report \nand distributing them to 3rd parties you are damaging my reputation and credit \nworthiness.\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\nPer Federal and my states reporting laws, you MUST XXXX and CONFIRM any \nand ALL allegations of claims yet still unproven. Lawfully certificate physically the \ncreditor classification codes, the exact and complete sequenced and METRO 2 data \nformatted 426 character P-6 statements as well as all of the applicable and requisite \ntrailing fragments, the minimally mandated five (5) portioned personal identifiers, every \nand one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the \nleft sidedness and or right sidedness of any and all precisely ordered recorded account \ndescriptions, all aspects exactly and fully related to the sequenced 386 pieces of \nconfirmation to collect(-tions), each calendar date recorded, every alleged balance \nincluding the tallied total and invoices from which they were derived, the documented \nlegal and current color photographed identities, the attested addresses, the non \ntransported and true marks of execution from one and only and exactly identified me \nupon an acknowledge of debt alleged or even conditions related, as well as every single \none even each and any or all requisite state and federal laws applicable, whether known \nor not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND \nOR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY \nENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS \nMISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO \nCOMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF \nYOU\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is all or in \npart: DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, \nCOMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable \nRESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory \nrequisite compliant reporting thereby mandating your immediate actions to rectify and \nremedy and any all infraction-ious behavior(s) by retaining or returning to \nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data \nfield formatted reporting!To be clear, you are mandated by laws to eliminate every \nnotation and or aspect of any and all derogatory and adversary items from any and all \nalleged claims still yet unproven to be true, correct, complete, timely, documented as \nbeing mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA \nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \nderogatory or potentially injurious reporting MUST be all of the aforementioned and \ncan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs \nensuring the physically verifiability of the CONFIRMED manual validation of any item \nupon a consumer complaint, such as is this notice here and now.Please RETURN to or \nretain federally lawful reporting with your unwavering and unconditional annulment of \nevery single one even each any and or all of the allegations accused of me deficient of \nphysical evidence to every and all aspects of said claims, be them true or not. I as of late \nreceived a duplicate of my credit report from your consumer credit reporting agency --\nWHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE \nbut also METRO 2 COMPLIANT in the verification of your consumer credit reporting as \nDETAILED in the DESCRIPTION of XXXX (your web based automated verification \nprocess). YOUR EXACT XXXX definition (per XXXX  ) is that e-OSCAR is a web-based,Metro 2 compliant, automated \nsystem that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to \ncreate and respond to consumer credit history disputes. CRAs include Equifax, \nXXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and \nMortgage Reporting Companies. XXXX also provides for DFs to send \"out-of- cycle\" \ncredit history updates to CRAs. The system primarily supports Automated Credit \nDispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as \nwell as a number of related processes that handle registration, subscriber code \nmanagement and reporting.\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data \nFurnisher based on the CRA and subscriber code affiliations indicated by the DF. The\nACDV is returned to the initiating CRA with updated information (if any) relating to the \nconsumer's credit history. If an account is modified or deleted, carbon copies are sent to \neach CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF \nto process out-of-cycle credit history updates. The system is used to create the AUD and \nroute it to the appropriate CRA(s) based on subscriber codes specified by the DF in the \nAUD record. The XXXX AUD process is intended to provide the CRA with a \ncorrection to a consumer's file that must be handled outside of the regular activity \nreporting cycle process. XXXX XXXX may not be used to add or create a record on a \nconsumer's file or as substitute for \"in-cycle\" reporting to the CRAs. Within the report I \nsaw that there were late installments noted in the record history.Since I am somehow \nvery defective in the matter as to the How ,WHEN, and WHY these late segments are \nnotations within my credit report which is otherwise remarkable in \ncreditworthiness!Puzzled,I am enacting my rights to COMPEL you, as REQUIRED, to \nMANDATE the alleged data providers of these following notated UNPROVEN \nderogatory suggestions of late payments to surrender to you and you to me an evaluated \nproclamation of my record throughout the previous 2 years demonstrating when the due \ndate of the record was and when the installment was handled. Furthermore, please \nrequire the accusing data provider to present their most upgraded Terms of Service \nAgreement that that outlines payment reconciliation. As I am POSITIVE you are aware, \nas a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and \ncivil rights to ask for any and all of the above and below DEMANDS under the terms of \nthe Fair Credit Billing Act of 1975 (FCBA) As the OFFICIAL notice of my official writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is either or all \nof the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or \nADVERSE and yet UNPROVEN claims be it an account or an aspect of that \naccount.PLEASE as you MUST, delete the foul misreportings and display any and all of \nmy accounts as being  PAID/PAYS as AGREED,NEVER LATE and as nothing else:\n1. You are in violation of 15 USC 1681 Misleading False Reporting this account is \nnegligently and inaccurately reporting failing to comply. XXXX XXXX XXXX XXXX\n Account Number: XXXX\n Under 15 U.S Code 1681a(2)(A)(i) No transaction should be included in a credit \nreport I demand you to remove this account.\n2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I \nam not participating in the collection of this alleged debt. Cease and desist asap.\n XXXX\n Account Number: XXXX\n Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I \ndemand you to remove this account.\n3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I \nam not participating in the collection of this alleged debt. Cease and desist asap.\n XXXX   Account Number: XXXX\n Under 15 U.S Code 1692c(c) Ceasing communication (cease and desist), I \ndemand you to remove this account.\n4. I was NEVER late paying this account\n XXXX XXXX XXXX\n Account Number: XXXX\n Under 15 USC 1666B, I demand you to update the payment record in this \naccount.\n5. The inquiry was not authorized\n XXXX\n Date of inquiry: XXXX\n Please remove it from my credit report.\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting must be \ndeleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known \nownership and responsibility but also fully Metro 2 compliant.Provider Claims Late \nPayment yet has NOT PROVEN even the compliance of its reporting much less any \naspect of determined truth of facts else wise required by obligatory regulations. As such, \nI demand evidence of Metro 2 compliant reporting, true and accurate and complete \nreporting of what is likely an allegation unfounded as it is DEFICIENT of adequate \ncurrent status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \ncompliant obligatory and regulatory requisite compliant reporting thereby mandating \nyour immediate actions to rectify and remedy and any all infraction-ious behavior(s) by \nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \nCOMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and \nall derogatory aspects of reporting and at a minimum rectify the derelict reporting with \nthe adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can \ndocument this NOT to be CORRECT and determine factually and in entirety that every \naspect of current reporting is lawfully compliant, you MUST satisfy my demands!\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every \nand one even each any and or all of the client's State's and or the federal reporting laws \nMUST be returned to compliance even should that requisite annulment of item's \nreporting. No entity is with authority to retain or report any allegations not \nDEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE,\nTimely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and \nthe presentation of the informational evidence MUST BE IRREFUTABLE to be so.\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even \nonce alleged adverse remark unproven upon a requested compliance check. You must \nAnnul in brief, even right now and right here, by complete and PERMANENT \nDELETION any or even one not irrefutable allegation(s) deficient of physical \ncomposed writ certificate(s) in testimony of the exact and full truth, correctness, \ntimeliness, completeness, ownership, responsibility, and or documented evidence of \nprecise and willfulness to comply with every single one even any and or all of the \nrequisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal \nreporting of any information, known or not. Attest now to the metro-2 required truth, \naccuracy, fullness, timeliness, ownership, responsibility and or compliance(s) otherwise, \nwhether mentioned or not. Ignorance of obligations to compliant reporting is NOT \nlawful exoneration of your responsibility to 100% accurate, true, and metro-2 compliant \ndata formatted reporting regulations of which you are obligated. Federal laws allow me \nto compel you to retain and or return adequate accountability. Failure or unwillingness \nto do so might be remedied and rectified in my favor per monetary compensation for \nyour infringements of my civil and or consumer rights and violations of the laws \nrequired of you. Right now demonstrate to me any and all applicable metro-2 reporting \nmandates including but not limited to every date and balance, each calculation and \naudit, the invoices and documented current identities, every notation not to forget the \nfive (5) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ \nand or alphanumeric source codes, every applicable creditor classification code(s), the 3 \napplicable and precise sequenced 386 pieces of confirmation to collect(-ions) or any \nobligation else-wise. Return or Retain federally required compliance with your \nimmediate and dull eradication of any and one of the adverse and or derogatory claims \nor any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is either or all \nof the following: DEFICIENT of adequate current status in fullness of TRUTH, \nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable \nRESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory \nrequisite compliant reporting thereby mandating your immediate actions to rectify and \nremedy and any all infraction-ious behavior(s) by retaining or returning to \nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data \nfield formatted reporting! Please provide me with all of the information you used for \nyour investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete \nthe negative items, as originally requested. If you FAIL to respond to this demand and \ntort notification, your firm will be added to the pending action as complicit in this data \nbreach of my personal information.\n1. Tell me in writing what information you refuse to remove and why.\n2. Tell me in writing what you did to determine that the information was \naccurate.\n3. Note the information as disputed BY the CONSUMER on my credit \nreport\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \nrequired by federal law to verify - through the physical verification of the original \nsigned consumer contract - any and all accounts you post on a credit report. \nOtherwise, anyone paying for your reporting services could fax, mail or email in even \na potentially fraudulent account.\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit \nrecord within 30 days. During the investigation period, these items must be removed \nfrom my credit report as the mere reporting of items prior to debt validation constitutes \ncollection activity. I am also requesting the names, addresses and telephone numbers of \nindividuals you contacted during your investigation.\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 \nUSC  1681j (a) (6)]. I am also requesting an updated copy of my credit report, which \nshould be sent to the address listed below. According to the provisions of  612 [15 \nUSC  1681j], there should be no charge for this report. If you have any questions or \nneed additional information, please contact me at address noted below. I think 15-20 \nDays should be ample enough time to get this completed since this is my NOT my first \ntime contacting your organization.\nFurther, CONFIRM the five key components of our individual identities in case this \ndata breach becomes yet another case potentially leading to my inclusion as a victim of \nfraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN \nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly \nthat of personal identifiers. Therefore, I must request that your bureau confirm in \nwriting the following personal information:\n1- FULL LEGAL NAME as it Appears on my Credit report\n2- Legal Address of Record\n3- SSN # (or redacted last 4 digits)\n4- Date of Birth\n5- Zip Code for my Home Address\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise \nand exact fully complete 426-character P-Segment or Trailing Segment that is to include \nthe minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged \ntrade-line information occurs.Per CRSA, auto-populating ANY data field input entry and \nor application of Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is \nautomatic call for deletion due to any and all repeating entry as NULL and VOID. \nMoreover, the regulatory obligation dictates that any and all data furnishers MUST \ninclude an attached TRAILING SEGMENT that absolutely accurately and completely \nincludes ALL of the account of allegation(s) specifics!Must be performed in a REALTIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher \nfails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of \nconsumers and or auto-escalate any and all consumer complaints to a certified Metro 2 \ncompliance trained SPECIALIST. Being Phase III of the Implementation of the \nCRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or \naccepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's \nFULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are \nillegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the \nREQUISITE technical accuracy in EVERY single item retained and or reported to or by \nany consumer credit reporting agency. Metro 2 compliance requires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a \nPRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and \nall CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry \nEvaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by \nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain \nand or report any claim of information, be it an account or any aspect of such, the must \nbe irrefutable fullness in the truth of reporting, correctness of reporting, \nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \nallegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or \nadequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA \nMetro 2 data field formatted reporting regulatory standards and obligations to include \nthe 81-month time relevance of account reported/ how reported/when \nreported,PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful \nreporting demands that the regulatory compliance rules are applied EVENLY and \nthoroughly from data provider to consumer credit reporting repository.Accuracy and \ncompleteness of all of any and all information, particularly derogatory consumer \ninformation, must abide by every and one of current MY states reporting regulations as \nwell as those of federal laws ,even the CDIA METRO 2 COMPLIANCE standards due to \nthe implementation of the Credit Reporting Settlement Agreement (CRSA.)\nIs the Personal Identifier information alleged in the reported 426-character \nP-SEGMENT true, correct, and complete to standards of CERTIFIED \nMETRO 2 COMPLIANCE?\nPlease demonstrate adequate proof of precisely true, accurate, and applicable\nVALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or \neradicate every single one and each any and all of the adversary derogatory accusations \ninjuring me immediately, TODAY even NOW and HERE!\nPlease verify and validate physically each and every claim of this alleged yet unproven to \nbe my responsibility or fault. Please demonstrate readily and timely the precise \nconfirming facts of the alleged account including every single one even each any and or \nall of its article aspects by federal laws. You must willfully and promptly DELETE \nTODAY even right now the deficient reporting or else present to me true documented \ncertificated proof of all data, every notation, date, balance, calculation, audit, personal \nidentifiers, each of the requisite 426-characters of the exact and fully compliant P6 \nstatement, any alpha/numeric and or alphanumeric source4 code deciding the leftness \nor rightness states, and even every aspect of the mandated 386 pieces of confirmation to \ncollection.\nThis series of misreporting seems to me clearly involves a universal and complete failure \nby your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory \ncompliant and reasonable procedures to assure maximum possible accuracy of \nconsumer credit information as described in at least 15 U.S.C.  1681. There is little \ndoubt that you have no evidence that this clearly does belong to me, is exactly true, fully \ncomplete, within timely definition per federal standards and has been erroneously \nplaced onto my credit report. The items of problematic accusations that I believe to be \nincorrect to its proper reporting and allowance of reporting per my state and federal \nlaws are detailed both above and below.\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as \ndemanded in this declaration would compel me to consult my consumer complaint \nlawfully to the members of the NCRWG as undoubtedly reporting not only must be true, \ntimely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any \nentity INCLUDING all consumer reporting repositories.\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting \ncompliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE\nregulations, I demand that these above mentioned derogatory items be investigated and \npermanently removed from my report. It is my understanding that you will recheck \nthese items with the creditor who has posted them. Please remove any information that \nthe creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must \ncomplete this reinvestigation within 30 days of receipt of this letter.\nPlease send an updated copy of my credit report to the above address. According to the \nact, there shall be no charge for this updated report. I also request that you please send \nnotices of corrections to anyone who received my credit report in the past six months.\nThank you for your time and help in this matter.\nSincerely yours,\nXXXX XXXX","date_sent_to_company":"2023-08-22T14:56:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"7438951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-22T14:46:48.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> \nand <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> \nworthiness.\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\nPer Federal and my states <em>reporting</em> laws, you MUST XXXX and CONFIRM any \nand ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.376128,"7438951"]},{"_index":"complaint-public-v1","_id":"7436856","_score":6.2242727,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition XXXX XXXX XXXX XXXX XXXX XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n5. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. \nXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. \n\n6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 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 any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.\n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.\n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-22T14:19:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"7436856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-22T14:10:05.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.2242727,"7436856"]},{"_index":"complaint-public-v1","_id":"7433065","_score":6.119953,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, 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 that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. \nXXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\n5. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX  Account Number : XXXX Please remove it from my credit report. \n\n6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n7. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. \n10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 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 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-21T20:40:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"7433065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-21T20:37:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.119953,"7433065"]},{"_index":"complaint-public-v1","_id":"7461441","_score":6.044648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or XXXX XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXX 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\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. Validate Account XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Account Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. \n\n2. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n3. FALSE REPORTING. This account is reported inaccurately. You are in VIOLATION of FCRA and XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report. \n\n4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. \n\n5. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX NOTATION : Per XXXX  enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n\nTell me in writing what information you refuse to remove and why. \n\nTell me in writing what you did to determine that the information was accurate. \n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, 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 XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the 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\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T08:29:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7461441","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-28T08:24:43.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.044648,"7461441"]},{"_index":"complaint-public-v1","_id":"7459175","_score":6.005666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : XXXXXXXX  ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or XXXX Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. \n\n2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. \n\n4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : 6 XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.\n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.\n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T08:33:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7459175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-28T08:29:54.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[6.005666,"7459175"]},{"_index":"complaint-public-v1","_id":"7461567","_score":5.958742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXXe-oscarXXXX  ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. \n\n\nNOTATION : Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n\nTell me in writing what information you refuse to remove and why. \n\nTell me in writing what you did to determine that the information was accurate. \n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record XXXX SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, 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 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\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T09:59:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"7461567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-28T09:52:50.000Z","state":"VA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[5.958742,"7461567"]},{"_index":"complaint-public-v1","_id":"7429371","_score":5.9504347,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced XXXX pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXXXXXX also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. 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. XXXX XXXXXXXX may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\nXXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX WEBBANK/AVAN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n\nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\nTell me in writing what information you refuse to remove and why.\n\nTell me in writing what you did to determine that the information was accurate.\n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 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 XXXX  calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA 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 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 CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? \n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \n\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.\n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-20T23:37:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"7429371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-20T23:27:24.000Z","state":"VA","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":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[5.9504347,"7429371"]},{"_index":"complaint-public-v1","_id":"7461477","_score":5.9332385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXXe-oscarXXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \n\n\nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. \n\n\nNOTATION : Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! \n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. \n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXXetro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n\nTell me in writing what information you refuse to remove and why. \n\nTell me in writing what you did to determine that the information was accurate. \n\nNote the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, 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 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\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. \n\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. \n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \n\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted 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. \n\nThank you for your time and help in this matter. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-28T10:08:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"7461477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-28T10:04:22.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[5.9332385,"7461477"]},{"_index":"complaint-public-v1","_id":"7434655","_score":5.930376,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ).\n\nYOUR 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 Cre\ndit 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 XXXXeporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n6. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n7. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. \n11 XXXX Account Number : XXXX Please remove it from my credit report. \n8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n9. 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to 500XXXX if the official acts willfu XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n10. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. \n10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \nNOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!\n\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not.\n\nIgnorance 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.\n\nProve compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.\n\nAccording to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFurther, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 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 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.\n\nThere 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. \nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-08-21T20:33:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"7434655","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-21T20:28:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness.\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\n\nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[5.930376,"7434655"]},{"_index":"complaint-public-v1","_id":"7428875","_score":5.9264994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. \nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. \nTHIS 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 XXXX and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). \nYOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send \" out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. \nACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF  has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for \" in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. \nNOTATION : Per CRSA  enacted, XXXX 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. \nIgnorance 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. \nProve compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. \n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate.\n\n3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have bee\n\nn 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. \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 XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, 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 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 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? \nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \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. \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. \nThere 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. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. \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 yours, XXXX XXXX","date_sent_to_company":"2023-08-20T23:52:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"201XX","tags":null,"has_narrative":true,"complaint_id":"7428875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-20T23:49:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["By <em>publishing</em> these inaccurate and unverified items on my <em>credit</em> <em>report</em> and <em>distributing</em> them to 3rd parties you are damaging my reputation and <em>credit</em> worthiness. \nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \nPer Federal and my states <em>reporting</em> laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[5.9264994,"7428875"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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results","doc_count":4}]}},{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}}]}},"timely":{"doc_count":15,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15}]}},"company_response":{"doc_count":15,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":8},{"key":"Closed with explanation","doc_count":7}]}},"submitted_via":{"doc_count":15,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":15}]}},"company":{"doc_count":15,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":7},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":6},{"key":"Experian Information Solutions Inc.","doc_count":2}]}},"state":{"doc_count":15,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA","doc_count":4},{"key":"DE","doc_count":3},{"key":"MA","doc_count":3},{"key":"FL","doc_count":2},{"key":"MD","doc_count":2},{"key":"MO","doc_count":1}]}},"company_public_response":{"doc_count":15,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":8}]}},"tags":{"doc_count":15,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}