Consumer complaint received 2023-09-07
Company: Factor Trust
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : *** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the Metro 2 Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE! 


PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically Metro 2 Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. 

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with explanation