Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resource for Report Information is : MyFreeScoreNow My Date of Birth is [ XXXX ] My Social Security XXXX Last XXXX is [ XXXX ] My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX ** Please ensure any personal identifier data matches as mandated with what I have submitted uncontested above, I do NOT authorize you to sustain ANY details not necessarily recited, not confirmed, not correct, not replete, not timely announced, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the exact ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my ocial notification to you, or any body ( XXXX ), concerned that I here now have confliction with the reportability of your claim ( XXXX ) until it's attestable that privilege to report was executed adequately and in a well established and entered certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, annul now the following claim ( s ) one or more of being not certified appropriately reported, unverifiable, invalid, untrue, inaccurate, inadequately entire or incomplete to requisite standard, untimely rumored, not compelling by log proof to be of a known ownership of my responsibility, inconsistently recorded, deficiently divulged, questionably communicated and or else wise appearing to potentially be a deviation of or from the XXXX XXXX XXXX of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims still yet not demonstrated versus me as the consumer. Remove immediately and permanently any negativity related to : PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : # XXXX MIDLAND CRED XXXX ALLEGED COFF Unconfirmed and or not compliantly reported Compliant > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX I here now contest the alleging data reporting furnishers seemingly assumed PRIVILEGE to report related to the claim ( XXXX ) noted above and or below, of which to date is still not as of now to have been shown with the required demonstratable nor otherwise irrefutable yet necessary satisfying of at least the minimal criterion to report fairly. That is, more specifically i demand you immediately remove from reporting any claim not yet properly described, untrue, incomplete, and or else wise not of regulation and o r possibly can be a deviation from the aforementioned required standards for certifiable compliant reporting. Again, this declaration is not a dispute nor is it an argument against any claim 's verifiability nor its validation nor is this complaint an acknowledgement that either exists. Rather, this lawful consumer complaint is my contesting versus the data reporting furnisher ( XXXX ) very conditional privilege to XXXX XXXX of XXXX report if unable, unwilling, untimely, and or else wise insufficient in satisfying at least the established minimal requisites for ethical and lawful reporting of consumer information. In this complaint, I here now call into concerned question any such above-mentioned data reporter and or accepting repository of made known claims to prove by detail demonstration that entity 's certifiable compliant reporting process, including no less than the perfect adhering to the mandatory practiced and perfect total XXXX XXXX XXXX field formatted reporting standards, of which there can not exist a deviation from nor omitting from without jeopardizing the integrity of claims made. Questionable reporting fails the federal exigence for all claims to be unadornedly of a maximum conceivable accuracy AND a maximum viable completeness, for the individual ( XXXX ) ( ies ) involved could of and should have been testimonially compliant in its reporting. Unproven and or Non-compliant reporting of even not yet documented verifiable and or so supposed Validatable claims fails to satisfy attestably the XXXX 's enacted XXXX minimums for adequately disclosed consumer credit facts. Collectability does not equate necessarily to reportability. Compliance of reporting standards is not optional, but rather a mandatory condition for lawful and ethical reporting. My complaint is that there is not sucient evidence proving the supposed or elsewise revealed claims of derogatoriness or delinquencies versus me are to be compliant in its reporting, a required to report. obliterate from reporting now to become, retain, and or return to lawful required conditions satisfying the minimal criteria for even reporting legally. Do so now! Let it be known that THIS ocial notice of consumer check and accost for lawful reporting compliance is my ocially composed writ formal complaint that you are potentially defiantly reporting in one or more of the following manners, ILLEGALLY mind you : i. Your reporting is unproven to be bona fide, so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

ii. Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

iii. Your reporting is unproven to be Complete ( and regulations are CLEAR on mandates to be fully intact in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

iv. Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully present-day and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

v. Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

vi. Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge.

vii. Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious Page 2 of 10 claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge. 
XXXX. Your reporting is unproven to be of XXXX enacted XXXX XXXX XXXX DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery-led subterfuge. 
OBVIOUSLY, in this written notification for my DECLARATION of CHECK of COMPLIANCE ( DOCC ) I would like to make known my call for to the reporting data furnisher and equally to the accepting repository ( XXXX ) to demonstrate by catalog evidence the certain and certifiably compliant reporting processes to include t h XXXX accurate unabridged and accurate XXXX XXXX Data-filled Field Formatted reporting standards was adhered to without ANY omitting nor deviation of the aforementioned standards for the questionable believed claims against me. My contesting is NOT an argument of what is proclaimed but rather a complaint against the unproven satisfied criteria for the stated reporters retaining of the often-assumed reporting privilege that is VERY CONDITIONAL. sketchy PROOF of COMPLIANT REPORTING rites and FORMATTING STANDARDS of reporting for even supposed truthful claims that potentially or likely fail minimal requisites to report. This contesting versus reporting is so EVEN if claimed provable debts are unquestionable, accurate, and even ethical in its lawfulness of its COLLECT-ABILITY, which is UNAFFECTED even if REPORTING PRIVILEGES are dissipated. As you might well have concluded, recently while reviewing my report I found a number of likely mistakes and inaccuracies that you are reporting ( again, UNLAWFULLY SO could or should I add ), among the most troubling are listed below ( see below ) and clearly involves a failure by your firm to maintain reasonable procedures to assure maximum potential accuracy of consumer credit info 15 U.S.C. 1681. It is with CLARITY that it is UNPROVEN these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to me. In fact, with your apparent consistency with being extraordinarily INCONSISTENT has to make the question to the actual existence even of this claimed circumstance much less likely being been MIXED onto my credit report by an erroneous reporting error because your company cant maintain accurate, either WILLFULLY or in IGNORANCE! REGARDLESS, federal laws and civil courts are CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit reports to be fully and adequately trained and CERTIFIED XXXX XXXX COMPLIANT. Any claims from an uncertified agent would certainly grant likelihood the transferred is NOT QUALIFIED for retaining and or reporting Conforming to laws of COMPLIANCE for indubitable ACCURATE and integral reporting, INCLUDING the full implementation of Implementation of the XXXX enacted XXXX XXXX XXXX COMPLIANT data entry standards. The item ( XXXX ) I believe to be of unproven report-ability is/are listed below. I am also including a copy of how this/these item ( XXXX ) is/are expressed BY your credit reporting agency and confirmation that your repository has in fact relayed the precisely how delivered you from the alleging data reporter ( s ) and additionally that your repository only accepts consumer profile and or data else wise that is reputed in full accordance to the standards that meet the minimal contingency ( XXXX ) of the XXXX, FCRA, XXXX, XXXX XXXX XXXX XXXX Data-filled XXXX XXXX, and or any applicable state and or federal regulation, statute, ruling, standard, etc. be it mentioned or not. 
Reporting ignorance does NOT relieve those with infractions of liability. Moreover, its been recently requested for an investigation regarding what appears to be potential deviations in the claims reporting ( XXXX ) which jeopardizes the integrity of the claims forged versus me ( see XXXX XXXX ), and if deviations occur certainly there can be no assumed MAIMUM possible ACCURACY NOR A MAIMUM imaginable COMPLETENESS a s. Deviations of standard potentially suggest that potentially can be that one or more potential inaccurate/erroneous items on my credit file that were being, obviously unethically and not unresistently if not simply incorrectly.

Regardless, if the reporting privilege is not established there can be no confidence of a prove-able claim versus me, of which is the minimal needed to report versus me so eradicate any not compliant claims made or accepted versus me and do so now o else demonstrate note proof of that certified compliant truth and accuracy in reporting as mandated. So that you are aware, during the process of investigating this matter on MY OWN INITIATIVE, I have also seemingly discovered a POTENTIAL PERSONAL DATA BREACH. I f precise, obviously it would hint to likelihood that my personal privacy NOW may have been violated, and with that possibility in existence I am exercising my rights under the FCRA 611 ( a ) ( 7 ) to DEMAND OF YOU AMONGST OTHER THINGS for a definitive detailed description of the exact procedure exercised by your agency in providing all to the alleging data reporter associated with this consumer complaint contesting the negativity claim ( s ) report-ability and I do so by law including of course that described under FCRA 611 ( a ) .UNMISTAKABLY, Your bureau is now being legally COMPELLED by rightful consume DEMAND to provide detailed in this matter as this matter has escalated into a pending tort action under Telephone Records and Privacy Protection Act of XXXX. To be more particular, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you WILL forward all of the relevant provided by you to the creditor for their investigation of my complaint. AGAIN, I in accordance with the law ( XXXX ) and or requisite standard ( XXXX ) DEMAND that you provide me with all of the you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ), etc. and I require a reply within 10 days or else call for you XXXX XXXX of XXXX XXXX. XXXX. XXXX and or the averred data reporter claiming to remove from reporting if not surely all out exclude from reporting the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, you should expect that your firm will soon be added to a then-likely pending action as complicit in this data breach of my personal. 
Tell me in writing what you refuse to remove and why. 
Tell me in writing what you did to determine that the was accurate. 
Note the as disputed BY the CONSUMER on my credit report According to XXXX XXXX XXXX, your VERIFICATION service is defined as this : XXXX is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history That being accurate, even you REALIZE the mandated to be 100 % fully and adequately and literally correct in your reporting even to the regulatory standards of the XXXX XXXX data field XXXX reporting mandates much more than simply reporting undoubted, accurate and outright. Courts have many times gave precedence that non-compliant PROOF demonstrated physically to a consumer equates to recklessly poor reporting and elimination of the right to maintain said allegations much more report it. Due to fact you are either unable or unwilling to compose a writ testifiable certificate of fact to the full trueness, correctness, completeness, timeliness, ownership, responsibility, fcra compliance, compliance to my STATEs reporting regulations, and proven XXXX XXXX COMPLIANCE you must eradicate any claims of adversary or derogatory nature. I demand that you immediately and now eliminate reporting of ANY claim not fastidiously right via chronicle evidence to be compliant within the privileged reporting processes related to the forwarded allegations and or misinformation supposed! 
According to the lawful Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract if any exists and is available to review- any and all accounts you post on a credit report, and In keeping with standards mandated for ethical and lawful retaining of PRIVILEGE TO REPORT the claims process and format for being MUST be COMPLIANT without deviation nor omission of preconditioned to be. diversely, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.

According to the provisions of the principled Credit Reporting Act 611 ( a ) [ 15 USC1681i ( a ) ], these related items must b e reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been modified as requested and or have been adequately removed from reporting pursuant to not only the oft-mentioned standards of XXXX XXXX XXXX standards but as well in full accordance to law including perfect adherence to even 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed in this official written note of my consumer complaint demanding undeniable proof of adequate reporting standards. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional, please contact me at address noted within this same correspondence. I feel, despite the ongoing pandemic, that 15-20 Days should be ample enough time to get this completed, particularly since this is my NOT my first time contacting your organization.

The following claim ( s ) are potentially UNFOUNDED, unproven, and or else wise non-compliant and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW!

lawfully reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND A MAXIMUM probable COMPLETENESS. Ensure your reporting is indeed veridical and impartial else remove now and enduringly. FURTHER, NOTE THE SUSPECTED REPORTING SHORTCOMINGS BELOW AS YOU INVESTIGATE LEGITIMACY OF THE INJURIOUS ACCUSATIONS AGAINST ME, so you can and DO come into alignment with federally mandated fair reporting codes in your final decision ( XXXX ). Please consider this image for all matters above and below : ***************************************************************************************************** Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act ***************************************************************************************************** <====================================> # XXXX PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : MIDLAND CRED XXXX XXXX -- XXXX MIDLAND CRED.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Description :.. 
Individual.. Individual.. 
-- XXXX Dispute Status : .. Account not disputed .. Account not disputed.. 
-- - Creditor Type : Q Other Collection Agencies Q Other Collection Agencies Q -- XXXX Account Status : XXXX XXXX I Closed I -- XXXX Payment Status : Q Collection/Chargeoff Q Collection/Chargeoff Q -- XXXX Creditor Remarks : D Account information disputed by consumer, meets FCRA requirements I Customer disputed account - reported by subscriber. 
I -- -- XXXX Original Creditor : D XXXX XXXX I WEBBANK I -- -- XXXX Last Payment : D -- M -- M -- -- XXXX Past Due Amount : Q XXXX XXXX $ -- XXXX Account Type : D -- M -- M -- -- Page XXXX of XXXX XXXX None Reported XXXX None Reported XXXX None Reported None Reported None XXXX None Reported The currently reported MIDLAND CRED with account number displayed as this information is NOT REPORTED on Trans Union in this reported claim on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on XXXX XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a breach from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above- mentioned XXXX  XXXX formatted industry requirements XXXX With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : ***************************************************************************************************** As such, certainly non-incontrovertible yet compliantly suspicious Collections poorly perfunctory a contract is not demonstrative mine is unfair, unethical, injurious, and or elsewise unlawful, OBVIOUSLY. Please provide all concerned with each any and all aspect of each any and all claim ( XXXX ) of delinquent/ and or alternatively derogatory charge ( XXXX ) accused versus me, particularly each any and all claim ( XXXX ) not yet undeniable submitted with written testimony and or elsewise be potentially unproven, including but not limited to every single notation, any and all dates, each audit, the accounting calculations, established and legitimately acquired identifications, claimed balance ( XXXX ) of debts, the alpha-/numeric-/and or alphanumeric source code ( XXXX ), all XXXX pieces for lawful confirmation to collections, each and all entries in full for the XXXX XXXX statement ( Segment ), the creditor classification codes, and of course the minimal XXXX ( XXXX ) part personal identifiers. omit today, even right NOW! 
FURTHER, CONFIRM the XXXX key components of any and all individual identities, just in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR less than necessarily required and NOT absolute COMPLIENT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal : FULL valid NAME as it Appears on my Credit report adequately acquired Address of Record SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX XXXX XXXX XXXX Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully unabbreviated XXXX P-Segment and or its Trailing Segment ( if any ) that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of professed tradeline occurs. 
By XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that categorically accurately and completely includes each any and ALL of the account of profession ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. 
WAS IT? 
Page 6 of 10 Pursuant to CRSA implementation, if a data furnisher fails to respond within 20 calendar days, XXXX is to terminate necessitate in favor of consumers and or auto- escalate any and all consumer complaints to a certified XXXX XXXX compliance trained XXXX. Being at or beyond the date of Phase XXXX Implementation of the CRSA, SMART autoresponders are not compliant and unlawful if used by furnishers or accepted by XXXX. 
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 shuing to populate the XXXX  XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the technical accuracy in EVERY single item retained and or to or by any consumer credit reporting agency. XXXX XXXX compliant reporting requires exacting P- segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. In line with the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. 
Is that the case credibly and currently at your place of business? 
Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS Per the XXXX Signing Statement. I repeat, to licitly preserve and or report any claim of, be it an account or any aspect of such, there must be irrefutable fullness in the perfect and full adherence to the XXXX enacted STANDARDS for ethical and lawful much less truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the allegations, undoubtable ownership of responsibility for claimed derogatoriness, and or adequate and INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include ( if applies ) the XXXX time relevance of account / how XXXX, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from each any and all data provider ( XXXX ) to each any and all receiving/ accepting consumer credit reporting data repository ( XXXX ). 
Accuracy and completeness of all of any and all, particularly derogatory consumer, must abide by every and XXXX of Current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA ). 
Is the Personal Identifier so-called in the XXXX P-SEGMENT appropriate, correct, and to standards of CERTIFIED XXXX XXXX COMPLIANCE? 
Please demonstrate adequate proof of the certified compliant reporting standards for each any and all claims also provable to being no lesser than and including at a minimum being precisely factual, demonstrated accurate, adequately timely, and with physically verified VALIDATION of the claim, unequivocally as each any and all claim ( XXXX ) is/are purported. This demand should include no less than even each any and all alleging data reporting furnishers applicable CREDITOR CLASSIFICATION CODES along with any and all other requisites of reporting as detailed in XXXX written XXXX XXXX, XXXX, and XXXX through XXXX and any other standard or else it is my understanding that you have NOT satisfied the minimal necessities to cling to reporting privileges REGARDLESS of the collect-ability of claims made. As such, you MUST act to be compliant in your reporting or accepted reportings or else you MUST eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! 
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this Page XXXX of XXXX declaration would compel me to consult my consumer complaint not illicitly to the members of the XXXX, as undoubtedly reporting not only must be authentic, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any being INCLUDING all consumer reporting repositories. 
Portions of this consumer complaint and any detailed request made by me here is done so ethically and legally Conforming to applicable state and federal regulations, standards, court rulings, etc. such as those included under FCRA XXXX ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all to the creditor associated with my earlier dispute of the validity of the late payments from my credit file your bureau provided to me. To be more explicit, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant provided by you to the creditor for their investigation of my consumer complaint contesting the claims reporting capacity. From previous communications with the alleging data reporter ( XXXX ), it be noted that I have been led to believe that THIS did not take place, or at least was not demonstrated by a record confirmation that a compliant process occurred, as is the mandate. OBVIOUSLY, this is a clear violation of the FCRA and the XXXX, let alone a significant deviation from the aforementioned XXXX XXXX formatted standards of ethical and lawful reporting thereby calling into question any claim made. Any DEVIATION from these standards jeopardizes the integrity of the data ( XXXX  XXXX ). 
Please provide me with all of the you and or any involved data reporting furnisher and or accepting repository of data used for your required through investigation. It is adequate and reasonable that I request that you and or any party doing do to please reply within 15 days or eace from reporting the contested reporting privileges related to noted negative items within this complaint not yet compliant in every aspect without deviation from the standards nor regulatory requisites to report, as originally and yet again requested. 
XXXX attest to, in writing what you received from each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) to support the presence of these not yet proved yet allegedly supposed compliant, true, accurate, timely and adequately in reporting negativities such as any late payments accused. 
XXXX testimonial, in writing what you did to determine that the that each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) provided was not only accurate, adequately, timely, proper, and compliant in full accordance with and adhering in totality to the applied XXXX XXXX Data-filled XXXX XXXX standards. 
XXXX. certify, in writing with purpose to note precisely how the was relayed to each any and all of the related data reporting furnisher ( XXXX ) and or creditor ( XXXX ) and the EXACT ( type/kind ) that was provided to each any and all especially your bureau as PROOF of the compliant and accurately accused negativities such as any and all allegations of missed and or late pa

Company response to consumer: Closed with non-monetary relief