{"took":116,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":97,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2812282","_score":20.477228,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.","date_sent_to_company":"2018-02-12T23:46:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2812282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-12T23:22:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I previously <em>disputed</em> this via certified mail letters, which included : my name, social <em>security</em> #, address, DOB, <em>exact</em> record <em>being</em> <em>disputed</em> was <em>identified</em>/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the <em>disputed</em> <em>data</em> and provide documentation showing how this record is correct, because it is not."]},"sort":[20.477228,"2812282"]},{"_index":"complaint-public-v1","_id":"2812182","_score":19.74376,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TO WHOM IT MAY CONCERN : I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with EXPERIAN regarding a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, the exact data being disputed was identified/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the disputed data and to provide me with documentation showing how this information is correct, because it is not. Certified letters were sent to Experian in early XX/XX/XXXX. It is now XX/XX/XXXX. Proper notice has been provided to Experian on numerous  occasions. I have not received any response back and Experian has failed to comply with their investigation requirements, per Federal and State law. I am, again, disputing the accuracy of this data ( Experians 4th notice ) and putting on the public record that Experian has negligently refused to comply and willfully violated their duties under the FCRA including updating the validity of this information. This information should not be on my file. -- -> THE DATE BEING REPORTED, ALONG WITH SOME OF THE PERSONAL INFORMATION ON THIS RECORD IS INACCURATE.< -- - Newly implemented mandates that took effect in XX/XX/XXXX clearly demand Public Records on Credit Reports MUST include and match the name, address, and a Social Security number or date of birth of the individual that record is attributed to, or else must be removed.","date_sent_to_company":"2018-02-12T22:54:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2812182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-02-12T22:41:44.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I previously <em>disputed</em> this via certified mail letters, which included : my name, social <em>security</em> #, address, DOB, the <em>exact</em> <em>data</em> <em>being</em> <em>disputed</em> was <em>identified</em>/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the <em>disputed</em> <em>data</em> and to provide me with documentation showing how this information is correct, because it is not."]},"sort":[19.74376,"2812182"]},{"_index":"complaint-public-v1","_id":"2668441","_score":19.165968,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. Hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. \n\nI took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.","date_sent_to_company":"2017-09-08T21:58:22.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"92126","tags":null,"has_narrative":true,"complaint_id":"2668441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T21:36:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They also stole credit card numbers for about 209,000 people and <em>dispute</em> documents with personal <em>identifying</em> information for about 182,000 people. \n\nI took steps steps to help protect my information from <em>being</em> misused by following the steps regarding the Equifax <em>Data</em> Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach."]},"sort":[19.165968,"2668441"]},{"_index":"complaint-public-v1","_id":"17860686","_score":15.537708,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : XXXX. All accounts disputed in the initial CFPB complaint XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$320.00} XXXX. All hard inquiries associated with those disputed accounts XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.","date_sent_to_company":"2025-12-09T04:34:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"17860686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T04:31:16.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX XXXX XXXX XXXX Social <em>Security</em> XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is <em>being</em> filed because the credit reporting agency has returned a response to my previous CFPB <em>dispute</em> claiming that the contested accounts, inquiries, and personal <em>identifying</em> information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act."]},"sort":[15.537708,"17860686"]},{"_index":"complaint-public-v1","_id":"17860610","_score":15.537708,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$320.00} 2. All hard inquiries associated with those disputed accounts XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.","date_sent_to_company":"2025-12-09T04:30:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60440","tags":null,"has_narrative":true,"complaint_id":"17860610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-09T04:20:34.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX XXXX XXXX XXXX Social <em>Security</em> Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is <em>being</em> filed because the credit reporting agency has returned a response to my previous CFPB <em>dispute</em> claiming that the contested accounts, inquiries, and personal <em>identifying</em> information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act."]},"sort":[15.537708,"17860610"]},{"_index":"complaint-public-v1","_id":"17861165","_score":14.976008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit XXXX XXXX has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.","date_sent_to_company":"2025-12-09T05:00:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"908XX","tags":null,"has_narrative":true,"complaint_id":"17861165","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T04:58:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX XXXX XXXX Social <em>Security</em> Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is <em>being</em> filed because the credit XXXX XXXX has returned a response to my previous CFPB <em>dispute</em> claiming that the contested accounts, inquiries, and personal <em>identifying</em> information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act."]},"sort":[14.976008,"17861165"]},{"_index":"complaint-public-v1","_id":"13201098","_score":13.576315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this new complaint because Experian has willfully violated multiple sections of the Fair Credit Reporting Act ( FCRA ) during their handling of my previous dispute regarding a public record inaccurately reported in my credit file since XXXX. \n\nOn XX/XX/XXXX, I provided Experian with documentary evidence proving that the public record contained multiple inaccuracies, including but not limited to, the date paid, zip code, address, and telephone number. I enclosed a printout of the correct legal information. Despite this, Experian continues to report the inaccurate information to this day, as of XX/XX/XXXX. \n\nExperian claims they verified the information through a third-party vendor, but I have a security freeze on my XXXX account, making such \" verification '' impossible through XXXX. XXXX continued reliance on unverifiable third-party data and their refusal to properly investigate the discrepancies constitutes a willful violation of FCRA 611 ( 15 U.S.C. 1681i ) the duty to perform a reasonable reinvestigation when a dispute is filed.\n\nAdditionally, Experian failed to provide me with the name, address, and telephone number of the furnisher or vendor who allegedly verified the information as required by FCRA 609 ( 15 U.S.C. 1681g ). They merely stated that a \" vendor '' verified the data without identifying the entity responsible, denying me my legal right to know the source of information being reported about me.\n\nFurther, Experian is knowingly continuing to report information that they have been alerted is inaccurate and disputed with proof, which is a violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) the duty to correct and update information.\n\nExperians investigation appears to be a rubber-stamp process designed to protect its third-party vendors rather than protect the accuracy of consumers credit files, in direct violation of their obligations under the FCRA and under prior CFPB Consent Orders against Experian for dispute mishandling. \n\nI am requesting the following relief : Immediate deletion of the inaccurate public record from my Experian credit file.\n\nFull disclosure of the exact name, address, and telephone number of the vendor or furnisher that Experian used to verify the public record, as required by FCRA 609.\n\nA full written explanation from Experian detailing the steps of their reinvestigation process and why they failed to consider the documents I provided.\n\nAssessment of civil monetary penalties against Experian for willful noncompliance with the FCRA, and referral for supervisory enforcement action if appropriate.\n\nExperians continued reporting of this inaccurate, unverifiable public record has caused ongoing damage to my creditworthiness and financial reputation. I am seeking urgent regulatory intervention by the CFPB.","date_sent_to_company":"2025-04-27T16:28:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"13201098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-27T15:51:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They merely stated that a \" vendor '' verified the <em>data</em> without <em>identifying</em> the entity responsible, denying me my legal right to know the source of information <em>being</em> reported about me.\n\nFurther, Experian is knowingly continuing to report information that they have been alerted is inaccurate and <em>disputed</em> with proof, which is a violation of FCRA 623 ( 15 U.S.C. 1681s-2 ) the duty to correct and update information."]},"sort":[13.576315,"13201098"]},{"_index":"complaint-public-v1","_id":"22228058","_score":13.099867,"_source":{"product":"Credit card","complaint_what_happened":"I have 26 disputed transactions totaling {$7300.00} on my Navy Federal XXXX ending XXXX with XXXX XXXX XXXX XXXX XXXX mobile game merchant ( \" XXXX XXXX XXXX XXXX XXXX '' ). Navy Federal has twice refused to consider these disputes citing a \" 60-day timeframe '' attributed to \" regulations set in place by the Credit Card Network . '' That representation is incorrect.\n\nNFCU 's misrepresentation of network rules. On XX/XX/XXXX and XX/XX/XXXX, NFCU denied my disputes citing \" regulations set in place by the Credit Card Network '' and \" being outside of timeframe. '' On XX/XX/XXXX, I provided NFCU with the exact XXXX reason code ( XXXX, services interruption ), the page reference ( page 151 of XXXX 's Chargeback Guide, Merchant Edition, XX/XX/XXXX ), and the verbatim provision, which expressly allows chargebacks within 120 days of cardholder awareness of service termination and up to 540 days from the original transaction. NFCU repeated their denial, shifting from \" credit card network regulations '' to \" our current policy '' without addressing the citation. Other XXXX issuers operating under the same rules are engaging substantively with these same disputes. \nMerchant violations : Suspended my account in XXXX XXXX and blocked access to every prior purchase. Services I paid for are no longer available to me. This is a service termination, the exact circumstance XXXX XXXX addresses. \nRefused to provide receipts, transaction logs, order history, or any reconciliation data when I requested them. The merchant explicitly refused, citing \" privacy and security '' reasons. The merchant does not issue receipts. I can not independently verify any single transaction. \nSent hundreds of customer-facing notifications between XX/XX/XXXX and XX/XX/XXXX stating refunds were \" processed '' or \" successfully refunded. '' No refund has been issued to any card I hold. \nConfirmed in writing on XX/XX/XXXX that refunds were processed \" from our side '' and directed me to contact my payment platform regarding non-receipt. \nReclaimed the purchased items by deducting their equivalent in-game value while continuing to defend the same charges to issuers as authorized and non-refundable. The merchant has kept both the goods and the money. \nDemands additional payment to restore account access, at prices higher than the original transactions.\n\nTerms of Service state Virtual Items \" shall under no circumstances be refundable. '' Merchant customer service told me on XX/XX/XXXX that XXXX orders are \" past the refund eligibility period. '' Both statements can not be true.\n\nMaintains contradictory positions for the same transactions : confirms refunds to me while defending the same charges to issuers as non-refundable. Both can not be true.\n\nThe merchant does not provide transaction-level reconciliation, so I can not identify which refund notifications correspond to which of my 26 NFCU transactions . The pattern applies to all my charges with this merchant including these 26.","date_sent_to_company":"2026-05-15T01:47:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10025","tags":"Servicemember","has_narrative":true,"complaint_id":"22228058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-15T01:12:10.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Other XXXX issuers operating under the same rules are engaging substantively with these same <em>disputes</em>. \nMerchant violations : Suspended my account in XXXX XXXX and blocked access to every prior purchase. Services I paid for are no longer available to me. This is a service termination, the <em>exact</em> circumstance XXXX XXXX addresses. \nRefused to provide receipts, transaction logs, order history, or any reconciliation <em>data</em> when I requested them."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[13.099867,"22228058"]},{"_index":"complaint-public-v1","_id":"16695338","_score":12.990425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Description Unlawful Reporting of Public Record Bankruptcy Consumer Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX XXXX XXXXXXXX Credit Bureau : [ Specify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or Equifax Information Services LLC ] Complaint Summary : I am filing this complaint because the credit bureau named above is unlawfully reporting an inaccurate and unverifiable public record bankruptcy on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and related FTC consumer protection laws. \nThe item being reported is : Public Record : XXXX XXXX XXXX  ( XXXX ) Case Number : XXXX ( or XXXX, depending on bureau ) Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This bankruptcy record is being reported without verified matching identifiers, such as my full name, date of birth, Social Security number, or current address history. As a result, it appears to have been improperly associated with my consumer file, which constitutes a material inaccuracy under the FCRA, 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. \nDespite multiple mailed, phone, and online disputes, the bureaus continue to report this bankruptcy without providing documented proof that it was verified through primary court records, violating my rights under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate ) and 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ).\n\nAdditionally, I have already submitted a verified FTC Identity Theft Report and evidence confirming that I am a victim of a national data breach, increasing my risk of identity theft and file-mixing. Continuing to report an unverifiable bankruptcy despite these notices constitutes a serious violation of 15 U.S.C. 1681c-2, which gives consumers the right to block or remove information resulting from identity theft or fraudulent activity.\n\nThis inaccurate reporting has caused ongoing harm to my creditworthiness, ability to secure financing, and emotional distress. The credit bureaus repeated stall responses falsely stating that I am not who I claim to be are obstructive, negligent, and in willful noncompliance with the law under 15 U.S.C. 1681n and 1681o.\n\nLegal Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a lawful reinvestigation of disputed information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information.\n\n15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft or data compromise.\n\n15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with the FCRA.\n\nRequested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Investigate the credit bureaus continued reporting of this unverifiable bankruptcy record.\n\nRequire the bureau to delete the public record immediately unless verified directly with original court documentation showing a full match to my personal identifiers.\n\nCompel the bureau to provide full disclosure of its Method of Verification, including the exact data source, court contact, and identifiers used to link the record.\n\nRequire the bureau to cease re-reporting the item without certified verification from the court.\n\nEnsure compliance with all FCRA accuracy, reinvestigation, and identity-theft provisions.\n\nRequire written confirmation of deletion and a corrected credit report sent to my mailing address.\n\nStatement : I have acted in full compliance with federal procedures and verified my identity multiple times through official documentation and FTC filings. The bureaus refusal to lawfully reinvestigate and remove unverifiable public record data especially following a confirmed data breach and FTC identity theft report has left me vulnerable to continued identity theft, financial harm, and reputational damage.\n\nI am requesting immediate CFPB intervention to enforce the FCRA and hold the credit bureau accountable for its willful and negligent reporting practices.","date_sent_to_company":"2025-10-20T22:53:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"16695338","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-20T22:39:16.000Z","state":"MO","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The item <em>being</em> reported is : Public Record : XXXX XXXX XXXX  ( XXXX ) Case Number : XXXX ( or XXXX, depending on bureau ) Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This bankruptcy record is <em>being</em> reported without verified matching <em>identifiers</em>, such as my full name, date of birth, Social <em>Security</em> number, or current address history."]},"sort":[12.990425,"16695338"]},{"_index":"complaint-public-v1","_id":"16694731","_score":12.958752,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Description Unlawful Reporting of Public Record Bankruptcy Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, MO XXXX Date of Birth : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureau : [ Specify : TransUnion LLC, Experian XXXX XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX ] Complaint Summary : I am filing this complaint because the credit bureau named above is unlawfully reporting an inaccurate and unverifiable public record bankruptcy on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and related FTC XXXX XXXX laws. \nThe item being reported is : Public Record : Chapter XXXX Bankruptcy ( XXXX ) Case Number : XXXX ( or XXXX, depending on bureau ) Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX ) This bankruptcy record is being reported without verified matching identifiers, such as my full name, date of birth, Social Security number, or current address history. As a result, it appears to have been improperly associated with my consumer file, which constitutes a material inaccuracy under the FCRA, 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. \nDespite multiple mailed, phone, and online disputes, the bureaus continue to report this bankruptcy without providing documented proof that it was verified through primary court records, violating my rights under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate ) and 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ).\n\nAdditionally, I have already submitted a verified FTC Identity Theft Report and evidence confirming that I am a victim of a national data breach, increasing my risk of identity theft and file-mixing. Continuing to report an unverifiable bankruptcy despite these notices constitutes a serious violation of 15 U.S.C. 1681c-2, which gives consumers the right to block or remove information resulting from identity theft or fraudulent activity.\n\nThis inaccurate reporting has caused ongoing harm to my creditworthiness, ability to secure financing, and emotional distress. The credit bureaus repeated stall responses falsely stating that I am not who I claim to be are obstructive, negligent, and in willful noncompliance with the law under 15 U.S.C. 1681n and 1681o.\n\nLegal Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.\n\n15 U.S.C. 1681i ( a ) : Failure to conduct a lawful reinvestigation of disputed information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information.\n\n15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft or data compromise.\n\n15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with the FCRA.\n\nRequested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Investigate the credit bureaus continued reporting of this unverifiable bankruptcy record. \nRequire the bureau to delete the public record immediately unless verified directly with original court documentation showing a full match to my personal identifiers.\n\nCompel the bureau to provide full disclosure of its Method of Verification, including the exact data source, court contact, and identifiers used to link the record.\n\nRequire the bureau to cease re-reporting the item without certified verification from the court. \nEnsure compliance with all FCRA accuracy, reinvestigation, and identity-theft provisions.\n\nRequire written confirmation of deletion and a corrected credit report sent to my mailing address.\n\nStatement : I have acted in full compliance with federal procedures and verified my identity multiple times through official documentation and FTC filings. The bureaus refusal to lawfully reinvestigate and remove unverifiable public record data especially following a confirmed data breach and FTC identity theft report has left me vulnerable to continued identity theft, financial harm, and reputational damage. \nI am requesting immediate CFPB intervention to enforce the FCRA and hold the credit bureau accountable for its willful and negligent reporting practices.","date_sent_to_company":"2025-10-20T22:55:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"16694731","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-20T22:49:03.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The item <em>being</em> reported is : Public Record : Chapter XXXX Bankruptcy ( XXXX ) Case Number : XXXX ( or XXXX, depending on bureau ) Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX ) This bankruptcy record is <em>being</em> reported without verified matching <em>identifiers</em>, such as my full name, date of birth, Social <em>Security</em> number, or current address history."]},"sort":[12.958752,"16694731"]},{"_index":"complaint-public-v1","_id":"19059831","_score":12.531392,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX SECURITY CREDIT SERVICES , LLC XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX NOTICE OF FORMAL DISPUTE, DEMAND FOR DELETION, FAILURE TO VALIDATE, AND VIOLATIONS OF FCRA & FDCPA To Whom It May Concern : This letter constitutes FORMAL NOTICE OF DISPUTE regarding the following account currently being reported on my consumer credit file : Debt Collector : Security Credit Services , LLC Account Number : XXXX Account Type : Collection Reported Balance : {$3100.00} / {$3100.00} I do NOT acknowledge ownership, liability, or contractual obligation for this alleged account. \n\nFAILURE TO MEET BURDEN OF PROOF Pursuant to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692g, you are required to possess and produce competent, admissible evidence proving : A valid, enforceable contract bearing my signature Your legal standing and authority to collect That the reported balance of {$3100.00} is accurate and lawfully calculated Full XXXX reporting compliance That this account has not been sold, insured, transferred, securitized, or reported to the IRS via XXXX XXXX To date, no such evidence has been produced. \n\nUNLAWFUL VERIFICATION Any claim that this account was verified through automated systems, internal databases, or third-party data matching does NOT meet verification requirements under FCRA 611 ( a ) ( 1 ).\n\nVerification requires documentary proof, not conclusory statements.\n\nDEMAND FOR STRICT DOCUMENTATION Provide the following within 15 days or DELETE THIS ACCOUNT IMMEDIATELY : Original signed contract or application Complete itemized account history Proof of assignment or bill of sale identifying this specific account Full chain of title from the original creditor to Security Credit Services , LLC Proof of authority to collect in Pennsylvania Proof of Metro-2 compliance Proof the balance of {$3100.00} was not paid, settled, insured, or tax-reported The exact method, date, and source used to verify this account with the credit bureaus Failure to produce ANY XXXX of the above constitutes non-compliance. \n\nVIOLATIONS ON RECORD Continued reporting without lawful validation constitutes violations of : FCRA 1681e ( b ) FCRA 1681s-2 ( b ) FCRA 611 ( a ) ( 1 ) FDCPA 1692e FDCPA 1692f Each violation exposes you to statutory damages, actual damages, and attorneys fees. \n\nFINAL NOTICE If this account is not deleted immediately, I will proceed without further notice by : Filing complaints with the CFPB, FTC, and Pennsylvania Attorney General Pursuing civil litigation for willful non-compliance Seeking damages for continued harm to my consumer report This letter serves as formal notice and opportunity to cure. \n\nREQUIRED ACTION DELETE THIS ACCOUNT IN FULL OR Provide COMPLETE, LAWFUL DOCUMENTATION as demanded. \n\nAnything less will be treated as intentional non-compliance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-28T03:55:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"19601","tags":null,"has_narrative":true,"complaint_id":"19059831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-01-28T03:51:48.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX <em>SECURITY</em> CREDIT SERVICES , LLC XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX NOTICE OF FORMAL <em>DISPUTE</em>, DEMAND FOR DELETION, FAILURE TO VALIDATE, AND VIOLATIONS OF FCRA & FDCPA To Whom It May Concern : This letter constitutes FORMAL NOTICE OF <em>DISPUTE</em> regarding the following account currently <em>being</em> reported on my consumer credit file : Debt Collector : <em>Security</em> Credit Services , LLC"],"company":["<em>Security</em> Credit Services, LLC"]},"sort":[12.531392,"19059831"]},{"_index":"complaint-public-v1","_id":"12985281","_score":12.102851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THEY DIDNT CORRECT THE NAME AND ADDRESSES AS EXPERIAN STATED AS RESPONSE TO MY COMPLAINT. SENT A XXXX REQUEST FOR THIS TO BE CORRECTED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! \nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.\n\n1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing wha\nt you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a\ncredit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\n\nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX XXXX XXXXr Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the XXXX, XXXX  auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? \nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. \nThank you for your time and help in this matter. \nSincerely,","date_sent_to_company":"2025-04-14T18:50:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12985281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-14T18:35:54.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE Metro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[12.102851,"12985281"]},{"_index":"complaint-public-v1","_id":"12059148","_score":12.089472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE Metro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[12.089472,"12059148"]},{"_index":"complaint-public-v1","_id":"12059119","_score":12.07709,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12059119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-13T16:58:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE Metro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[12.07709,"12059119"]},{"_index":"complaint-public-v1","_id":"12058787","_score":12.061674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter sent to all XXXX credit agencies XX/XX/year> I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE NUMBERS/CONTACTS OF : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OF : XXXX XXXX XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even XXXX not irrefutable allegation ( XXXX ) deficient of physical composed writ certificate ( XXXX ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the XXXX required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( XXXX ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXX compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable XXXX reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the XXXX ( XXXX ) portioned personal identifiers, XXXX character XXXX statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. XXXX or XXXX federally required compliance with your immediate and dull eradication of any and XXXX of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\n\nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due XXXX the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! \nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXXcharacters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. \nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?\n\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!\n\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.\n\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. \nThank you for your time and help in this matter.","date_sent_to_company":"2025-02-20T22:36:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21061","tags":null,"has_narrative":true,"complaint_id":"12058787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-13T16:46:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE Metro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[12.061674,"12058787"]},{"_index":"complaint-public-v1","_id":"14747638","_score":11.972383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax and TransUnion have continued to allow fraudulent accounts and several ongoing credit inquiries ( from these fraudulent companies ) on my credit report, despite my multiple formal submissions under Section 605B of the Fair Credit Reporting Act. I submitted all required documentation, including an FTC Identity Theft Report, police report, and now FTC-generated letters supporting my identity theft claim ( as well as a victim statement begging for assistance with my numberous 605B packets submitted ).\n\nEquifax and TransUnion both delayed processing my original FTC report so long that it eventually expired. This delay was absolutly due to my documented vestibular disability, which limits my ability to consistently access and manage online systems ( due to light sensitivity and other brain impairments ). Despite the fact that the original report was valid at the time of submission, they later claimed it was invalid due to expiration, forcing me to file another FTC report just to stay compliant. \n\nEven after receiving all necessary documents, Equifax and TransUnion continue to treat my 605B identity theft filing as a standard Section 611 dispute, which it is not. Under 605B, the bureaus are required to block fraudulent accounts and inquiries within 4 business days. To date, they have failed to do so ( this has been ongoing since XXXX ). \n\nTo make matters worse, Ive repeatedly requested the verification details both bureaus relied on to validate these accounts and all of the fraud I have endured during my time of medical vulnerability. The only response Ive received is that they confirmed my name, Social Security number, and address all of which were compromised and are publicly known to have been part of several data breaches and my identity being compromised. Ive asked them to provide the exact documents or sources used in this so-called verification, and theyve refused, telling me Id need a subpoena to access my own records. This is especially alarming given that Im the consumer whose identity is at stake and who's credit is being harmed. \n\nIve also submitted valid proof of identity and current legal residency. I had to obtain a new license because I believe my previous one was compromised. However, I never gave the bureaus a copy of the old license, and theyve never clarified if it or any fraudulent document was used to verify me. They will not confirm whether the address they used was one of over 30 fraudulent addresses previously attached to my file. This complete lack of transparency raises serious questions about the integrity of their verification process. \n\nThe companies still involved including but not limited to XXXX, XXXX XXXX, and XXXX XXXX XXXX continue to access my credit report and run inquiries using unknown personal data. Its unclear whether they are misusing old information, actively stealing my current identifiers, or both. Either way, the result is creating ongoing damage to my credit and continued FCRA violations. \n\nI am asking the CFPB to take immediate action to enforce Section 605B and ensure these items are fully blocked, not just temporarily removed for later insertion. The credit bureaus must also be held accountable for refusing to disclose how these accounts were verified and for continuing to allow fraudulent data to harm me. \n\nUnder the FCRA, especially Sections 609 and 611, I have the right to request : All information in my file The sources of that information How and when that information was verified Who verified it To date, none of this has been provided to me. I am not just asking for a dispute. I am demanding protection and enforcement under Section 605B as a documented victim of identity theft.","date_sent_to_company":"2025-07-19T02:57:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"870XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14747638","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-19T02:56:39.000Z","state":"NM","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":["The only response Ive received is that they confirmed my name, Social <em>Security</em> number, and address all of which were compromised and are publicly known to have been part of several <em>data</em> breaches and my identity <em>being</em> compromised. Ive asked them to provide the <em>exact</em> documents or sources used in this so-called verification, and theyve refused, telling me Id need a subpoena to access my own records."]},"sort":[11.972383,"14747638"]},{"_index":"complaint-public-v1","_id":"14728288","_score":11.972383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax and TransUnion have continued to allow fraudulent accounts and several ongoing credit inquiries ( from these fraudulent companies ) on my credit report, despite my multiple formal submissions under Section 605B of the Fair Credit Reporting Act. I submitted all required documentation, including an FTC Identity Theft Report, police report, and now FTC-generated letters supporting my identity theft claim ( as well as a victim statement begging for assistance with my numberous 605B packets submitted ).\n\nEquifax and TransUnion both delayed processing my original FTC report so long that it eventually expired. This delay was absolutly due to my documented vestibular disability, which limits my ability to consistently access and manage online systems ( due to light sensitivity and other brain impairments ). Despite the fact that the original report was valid at the time of submission, they later claimed it was invalid due to expiration, forcing me to file another FTC report just to stay compliant. \n\nEven after receiving all necessary documents, Equifax and TransUnion continue to treat my 605B identity theft filing as a standard Section 611 dispute, which it is not. Under 605B, the bureaus are required to block fraudulent accounts and inquiries within 4 business days. To date, they have failed to do so ( this has been ongoing since XXXX ). \n\nTo make matters worse, Ive repeatedly requested the verification details both bureaus relied on to validate these accounts and all of the fraud I have endured during my time of medical vulnerability. The only response Ive received is that they confirmed my name, Social Security number, and address all of which were compromised and are publicly known to have been part of several data breaches and my identity being compromised. Ive asked them to provide the exact documents or sources used in this so-called verification, and theyve refused, telling me Id need a subpoena to access my own records. This is especially alarming given that Im the consumer whose identity is at stake and who's credit is being harmed. \n\nIve also submitted valid proof of identity and current legal residency. I had to obtain a new license because I believe my previous one was compromised. However, I never gave the bureaus a copy of the old license, and theyve never clarified if it or any fraudulent document was used to verify me. They will not confirm whether the address they used was one of over 30 fraudulent addresses previously attached to my file. This complete lack of transparency raises serious questions about the integrity of their verification process. \n\nThe companies still involved including but not limited to XXXX, XXXX XXXX, and XXXX XXXX XXXX continue to access my credit report and run inquiries using unknown personal data. Its unclear whether they are misusing old information, actively stealing my current identifiers, or both. Either way, the result is creating ongoing damage to my credit and continued FCRA violations. \n\nI am asking the CFPB to take immediate action to enforce Section 605B and ensure these items are fully blocked, not just temporarily removed for later insertion. The credit bureaus must also be held accountable for refusing to disclose how these accounts were verified and for continuing to allow fraudulent data to harm me. \n\nUnder the FCRA, especially Sections 609 and 611, I have the right to request : All information in my file The sources of that information How and when that information was verified Who verified it To date, none of this has been provided to me. I am not just asking for a dispute. I am demanding protection and enforcement under Section 605B as a documented victim of identity theft.","date_sent_to_company":"2025-07-19T02:57:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"870XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14728288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-19T01:40:03.000Z","state":"NM","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The only response Ive received is that they confirmed my name, Social <em>Security</em> number, and address all of which were compromised and are publicly known to have been part of several <em>data</em> breaches and my identity <em>being</em> compromised. Ive asked them to provide the <em>exact</em> documents or sources used in this so-called verification, and theyve refused, telling me Id need a subpoena to access my own records."]},"sort":[11.972383,"14728288"]},{"_index":"complaint-public-v1","_id":"7840356","_score":11.659624,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.\n\n1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.\n\n2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.\n\n4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.\n\n6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.\n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.\n\nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!\n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.\n\nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. 1. 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 accurate. 3. Note the in-formation as disputed BY the CONSUMER on my credit report.","date_sent_to_company":"2023-11-12T06:14:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62901","tags":null,"has_narrative":true,"complaint_id":"7840356","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-12T06:14:34.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have <em>identified</em> likely mendacious and certainly unproven compliant reported personal <em>identifier</em> information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible."]},"sort":[11.659624,"7840356"]},{"_index":"complaint-public-v1","_id":"7841399","_score":11.658846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \n1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.\n\n2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.\n\n4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\n\n5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.\n\n6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.\n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and\nor CRSA CDIA Metro 2 COMPLIANT reporting.\n\nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!\n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.\n\niv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nviii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation.\n\n1. Tell me in writing what information you refuse to remove and why.\n\n2. Tell me in writing what you did to determine that the information was accurate. 3. Note the in-formation as disputed BY the CONSUMER on my credit report.","date_sent_to_company":"2023-11-12T06:14:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62901","tags":null,"has_narrative":true,"complaint_id":"7841399","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-12T05:48:57.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have <em>identified</em> likely mendacious and certainly unproven compliant reported personal <em>identifier</em> information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible."]},"sort":[11.658846,"7841399"]},{"_index":"complaint-public-v1","_id":"8085809","_score":11.631285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, ad-dresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the ad-dress listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must re-quest that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 XXXX reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information oc-curs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry XXXX NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance XXXX SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any con-sumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data XXXX Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of cur-rent MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit XXXX Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:22:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-01T00:12:24.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE Metro 2 Compliance <em>Data</em> XXXX Evaluation CERTIFIED."]},"sort":[11.631285,"8085809"]},{"_index":"complaint-public-v1","_id":"8085590","_score":11.557064,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE XXXX XXXX DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR XXXX XXXX COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. \nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced XXXX XXXX of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, ad-dresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the ad-dress listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. \nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must re-quest that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information oc-curs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry XXXX NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any con-sumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of cur-rent MY states reporting regulations as well as those of federal laws, even the XXXX METRO XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:23:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085590","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-01T00:22:56.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX Specialist MUST BE Metro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[11.557064,"8085590"]},{"_index":"complaint-public-v1","_id":"13557462","_score":11.550153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 pieces of confirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13557462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T20:00:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal <em>identifiers</em> as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE\\nMetro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[11.550153,"13557462"]},{"_index":"complaint-public-v1","_id":"13550678","_score":11.536816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 pieces of confirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13550678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T19:28:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal <em>identifiers</em> as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE\\nMetro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[11.536816,"13550678"]},{"_index":"complaint-public-v1","_id":"13550422","_score":11.525195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4 0f SSN: XXXXEquifax Information Services, LLC\\nXXXX XXXX XXXX GA XXXXATTN:EQUIFAX\\nRE: To Whom It May Concern,\\nI would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations\\nANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any\\ninformation now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which\\ngoverns your practice or reporting consumer credit profiles.\\n1. I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If\\nANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing\\nupon my consumer rights.\\n2. I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n3. I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY\\nplease DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my\\nconsumer rights.\\n4. I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be\\nreported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority\\nto retain or report without infringing upon my consumer rights.\\n5. I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not\\nauthorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or\\nproduce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.\\n1. I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or\\nretained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or\\nreport without infringing upon my consumer rights.\\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL\\nAND STATE REQUISITE REPORTING\\nCOMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF\\nEXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED\\nTESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH,\\nCORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS,\\nRESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY\\nRIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH\\nINJURIOUS ,UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE\\nENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS , REGULATIONS, PRECEDENCE,\\nAND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT\\nDELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT\\nALLEGATIONS:\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FULTHER\\nPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED TELEPHONE\\nNUMBERS/CONTACTS OF:XXXXPLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED EMPLOYERS OFXXXX XXXX XXXX XXXXPlease Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain\\nor report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and\\naccuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to\\nor retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially\\ncomposed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you:\\ni)Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nii)Your reporting is unproven to be Correct (and regulations are CLEAR on accuracy being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niii)Your reporting is unproven to be COMPLETE (and regulations are CLEAR on mandates to be fully COMPLETE in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\niv)Your reporting is unproven to be TIMELY (and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in\\nthe application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable), so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nv)Your reporting is unproven to be of MY OWNERSHIP (and regulations are CLEAR on mandates to be fully CONFIDENT in\\nthe assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of\\nexacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally there can be\\nno truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvi)Your reporting is unproven to be of MY RESPONSIBILITY(and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the\\napplication of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so legally\\nthere can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nvii)Your reporting is unproven to be of FCRA COMPLIANCE (and regulations are CLEAR on mandates to be fully\\nCONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the\\nreporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for\\nreporting being undoubted and irrefutable) ,so legally there can be no truth assumed to the allegations of which you report in\\nchicanery lead subterfuge.\\nviii)Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY\\nREPORTING COMPLIANCE (and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL\\nunmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim\\nin the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable) ,so\\nlegally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\\nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark\\nunproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and\\npermanent deletion any or even one not irrefutable allegation(s) deficient of physical composed writ certificate(s) in\\ntestimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented\\nevidence of precise and willfulness to comply with every single one even any and or all of the requisite\\nmandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not.\\nAttest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance(s)\\notherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your\\nresponsibility to 100% accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated.\\nFederal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might\\nbe remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights\\nand violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates\\nincluding but not limited to every date and balance, each calculation and audit, the invoices and documented current\\nidentities, every notation not to forget the five (5) portioned personal identifiers, 426 character P-6 statements,\\nalpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code(s), the 3 applicable and\\nprecise sequenced 386 pieces of confirmation to collect(-ions) or any obligation else-wise. Return or Retain federally\\nrequired compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any\\naspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven\\nCompliant Misinformation that is either or all of the following: DEFICIENT of adequate current status in fullness of TRUTH,\\nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise\\nirrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to\\nrectify and remedy and any all infraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, CORRECT,\\nCOMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you\\nused for your investigation, as required by FCRA 611 (a) (7).Please reply within 10 days or delete the negative items, as\\noriginally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action\\nas complicit in this data breach of my personal information.\\n1. 2. 3. Tell me in writing what information you refuse to remove and why.\\nTell me in writing what you did to determine that the information was accurate.\\nNote the information as disputed BY the CONSUMER on my credit report.\\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify - through the\\nphysical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise,\\nanyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.\\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 USC 1681i(a)], these disputed items must be\\nreinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be\\nremoved from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also\\nrequesting the names, addresses and telephone numbers of individuals you contacted during your investigation.\\nPlease notify me that the above items have been deleted pursuant to  611 (a)(6) [15 USC  1681j (a) (6)]. I am also\\nrequesting an updated copy of my credit report, which should be sent to the address listed below. According to the\\nprovisions of  612 [15 USC  1681j], there should be no charge for this report. If you have any questions or need additional\\ninformation, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this\\ncompleted since this is my NOT my first time contacting your organization.\\nFURTHER,CONFIRM the five key components of our individual identities in case this data breach becomes yet another\\ncase potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers..\\nTherefore, I must request that your bureau confirm in writing the following personal information: 1- FULL LEGAL NAME as it\\nAppears on my Credit report 2- Legal Address of Record 3- SSN # (or redacted last 4 digits) 4Date of Birth 5- Zip Code for\\nmy Home Address.\\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs. Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported,PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.)\\nIs the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct, and complete to\\nstandards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately, TODAY even NOW and HERE!\\nPlease verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault.\\nPlease demonstrate readily and timely the precise confirming facts of the alleged account including every single one even\\neach any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the\\ndeficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance,\\ncalculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement,\\nany alpha/numeric and or alphanumeric source4 code deciding the rightness states, and even every aspect of the mandated\\n386 pieces of confirmation to collection.\\nThis series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain,\\nmaintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible\\naccuracy of consumer credit information as described in at least 15 U.S.C.  1681. There is little doubt that you have no\\nevidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and\\nhas been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its\\nproper reporting and allowance of reporting per my state and federal laws are detailed IN CLARITY above FURTHER,\\nCONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially\\nleading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN\\nCOMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I\\nmust request that your bureau confirm in writing the following personal information:\\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character\\nP-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which\\ndatabasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application\\nof Slash Entries (such as 11111 or 00000, etc) into the Metro 2 system is automatic call for deletion due to any and all\\nrepeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST\\ninclude an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of\\nallegation(s) specifics!Must be performed in a REAL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if\\na data furnisher fails to respond within20 calendar days, eOscar is to terminate challenge in favor of consumers and or\\nauto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the\\nImplementation of the CRSA,SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by\\nCRAa. Federal laws mandate MANUAL ENTRY for any and all consumer's FULL P-Segment PREVIOUS coding for a\\nRESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data\\nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical\\naccuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal identifiers as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE\\nMetro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by\\nCONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of\\ninformation, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of\\nreporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership,\\nirrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA\\nenacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time\\nrelevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further\\nlawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to\\nconsumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory\\nconsumer information, must abide by every and one of current MY states reporting regulations as well as those of federal\\nlaws ,even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement\\nAgreement (CRSA.) Is the Personal Identifier information alleged in the reported 426-character PSEGMENT true, correct,\\nand complete to standards of CERTIFIED METRO 2 COMPLIANCE?\\nPlease demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported\\nCREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory\\naccusations injuring me immediately,TODAY even NOW and HERE!\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only\\nmust be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nYour failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would\\ncompel me to consult my consumer complaint lawfully to the members of the NCRWG ,as undoubtedly reporting not only\\nmust be true, timely and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all\\nconsumer reporting repositories.\\nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the\\nCRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be\\ninvestigated and permanently removed from my report. It is my understanding that you will recheck these items with the\\ncreditor who has posted them. Please remove any information that the creditor cannot verify. I understand that under 15\\nU.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.\\nPlease send an updated copy of my credit report to the above address. According to the act, there shall be no charge for\\nthis updated report. \\n\\nUpon reviewing my recent credit report, I have identified several unauthorized and\\npotentially fraudulent inquiries that I do not recognize, nor did I authorize any of the listed\\ncompanies to access my credit file.\\nThe inquiries in question are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting Act (FCRA), section 611, I am formally\\nrequesting that you validate each of these inquiries. Please provide any documentation\\nbearing my signature that authorizes the inquiries. If such documentation cannot be\\nproduced, I respectfully demand that these unauthorized\\ninquiries be permanently removed from my credit file.\\nEnclosed are copies of my identification to assist with your investigation. Please be advised\\nthat you have\\n30 days from the receipt of this letter to conduct your investigation and respond accordingly.\\nThank you for your prompt attention to this matter. I look forward to your confirmation that\\nthe disputed\\ninquiries have been removed or a detailed explanation supported by valid documentation.\"","date_sent_to_company":"2025-05-16T20:00:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95205","tags":null,"has_narrative":true,"complaint_id":"13550422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T20:00:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Metro 2 compliance\\nrequires exacting Psegment, to include the minimal five(5) portion personal <em>identifiers</em> as well as a PRECISELY and\\nCOMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced <em>DISPUTE</em> Specialist MUST BE\\nMetro 2 Compliance <em>Data</em> Entry Evaluation CERTIFIED."]},"sort":[11.525195,"13550422"]},{"_index":"complaint-public-v1","_id":"8085589","_score":11.49168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. \nXXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. \nXXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. \n\nPlease review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. \nI have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! \n\nTHE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.\n\nMight it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \niii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nv ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nvi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.\n\nvii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nXXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. \nInjury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. \nXXXX. Tell me in writing what information you refuse to remove and why. \nXXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. \nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. \nAccording to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, ad-dresses and telephone numbers of individuals you contacted during your investigation. \nPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the ad-dress listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.\n\nFURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must re-quest that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information oc-curs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry XXXX NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance XXXX SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any con-sumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX XXXX MUST BE Metro 2 Compliance Data XXXX Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of cur-rent MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?","date_sent_to_company":"2024-01-01T00:23:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8085589","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-01T00:22:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal <em>identifiers</em> as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX XXXX MUST BE Metro 2 Compliance <em>Data</em> XXXX Evaluation CERTIFIED."]},"sort":[11.49168,"8085589"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":97,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":97}]}},"product":{"doc_count":97,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":44},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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