Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: MI

Complaint narrative:
My state and all applicable federal laws and standards of ethical reporting of consumer information must meet minimal criteria of compliance or be removed. You do NOT have the option to retain non-definitive, testimonial non-compliant data, so do NOT. Please confirm the factual compliance of your reporting process ( es ) and the mandated XXXX XXXX Data Field Format standard of lawful, ethical reporting as it relates to any alleged and demonstrated documented evidence of physically verifiable truth of the claim, correctness of the claim, timeliness of the claim, ownership and responsibility of the claims negativity, or proof of undoubtable validity of the claim 's negativity as expected and recorded. 

Note the CERTIFIED COMPLIANT REPORTING of factually testimonial claims of negativity, or else eradicate the claim today, even RIGHT NOW! 

The claim ( s ) of negativity below noted are each unsubstantiated and must be deleted because each is being proclaimed without demonstrated proof of physical verification of the claims absolute validity or its deviation from the necessarily certifiable compliant process ( es ) of reporting. This includes, thus far, not satisfactorily demonstrating, as mandated, that the XXXX XXXX Data Field Formatted reporting standard is compliant and perfect as disclosed, or the claims negativity ( ies ) are untrue, incorrect, incomplete, untimely, or otherwise potentially erroneous or misleading.

CLEARLY, even one such deficiency makes this aspect of reporting not in legal standing, nor in full accordance with the requisite reporting or the minimal mandatory standards of communicated claim ( s ) being exact, completely perfect, and with necessary physically verifiable certification of compliant reporting. 

For you to maintain or return to REQUIRED COMPLIANT LAWFUL REPORTING, you MUST modify, blackout, or demonstrate proof of validity for every aspect of derogatory claims, whether indubitable or not, as related to its reality AND its current reporting, or remove altogether the claim of negativity ( ies ).

As you are aware OR SHOULD BE AWARE, per FCRA 1681 ( i ), any and all unverified claims MUST be promptly deleted in the event that you do not have, are unwilling, are unable, or are UNTIMELY in presenting your physical possession of any and all documentation to guarantee the claims truth, accuracy, completeness, timeliness, verifiability, validity, and certified compliant reporting ( XXXX ), including its perfect unabridged XXXX XXXX Format reporting standard. 

Adequate provable and certified compliant reporting is a MINIMAL CONDITION OF ETHICAL AND LAWFUL REPORTING, not an OPTION for reporting. ANY DEFICIENCY is grounds for removal. I CONTEST the claim ( XXXX ) by challenging you to provide all as above requested and required! 

It is NOT satisfactory NOR lawful for you to return communication merely stating that the claim ( XXXX ) of negativity are or have been verified somehow, as this is NOT within the mandated COMPLIANCE of regulatory law NOR within the accepted STANDARDS of ethical reporting! 

With ANY of your future written communications, I request that you also PLEASE provide me with an updated and ACCURATE corrected report, thereby presenting absolute PROOF that you have, indeed, complied with the law and abided by established reporting standards as well. 

I also request that you mail me physical documented proof of your adequate action ( s ) and my then updated personal credit report following your correction ( s ).

The following assertion ( s ) appear questionable in reporting. Please verify the compliant reporting of each claim that is precise, undoubted, verified, accurate, complete, and timely expressed, or REMOVE FROM REPORTING IMMEDIATELY

Company response to consumer: Closed with explanation