delete judgements and accounts cra
DESCRIPTION
delete judgementsTRANSCRIPT
January 1, 2010
John ConsumerAddressCity, State ZipSSN: 000-00-0000 | DOB: 1/1/1970
ExperianP.O. Box 2002Allen, TX 75013Attn:Complaint Department
Dear CRA,
My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.
I am sending this dispute certified mail # xxxx to make sure you receive it.My report # is xxxxx.
There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor.
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report.
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.I demand to see a copy of the Verifiable, Validated Proof (an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from (Your Name) credit reports. I demand the account be verified or removed immediately!The law is very clear as to the Civil liability and the remedy available to me for the "negligent noncompliance" (Section 617) if you fail to comply with this Federal Law.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.Name of Account: Account Number: Provide Physical Proof of Verification1. Chase Bank #533376304023 Unverified Account (Hand Write this information with blue ink pen)Make sure that you dont have more than 22 accounts listedWhen you finish your investigation I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681(i)(7)or FCRA section 611 (a) (7). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion.Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )Thank You,
Sign your name here
(Your Name Here)
IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.
Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE}
__________________________________ _________________________________Witness 1 Print: Signature
__________________________________ Witness 2 Print:
STATE OF
COUNTY OF
I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared { YOUR NAME HERE }, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same.
WITNESS my hand and official seal in the County and State aforesaid this _____ day of ____________________ 2014.
___________________________________Notary Public
Printed Name:
My commission expires: Seal:
Attached: Copy of my Social Security Card & Drivers License is attachedSent: USPS Certified Mail #
cc. Consumer Financial Protection Bureau (CFPB), PO Box 4503, Iowa City, IA 52244
609. Disclosures to consumers [15 U.S.C. 1681g]
(a) Information on file; sources; report recipients. Every consumer
reporting agency shall, upon request, and subject to 610(a)(1) [
1681h], clearly and accurately disclose to the consumer:
(1) All information in the consumer's file at the time of the
request, except that nothing in this paragraph shall be construed
to require a consumer reporting agency to disclose to a consumer
any information concerning credit scores or any other risk scores
or predictors relating to the consumer.
(2) The sources of the information; except that the sources of
information acquired solely for use in preparing an investigative
consumer report and actually used for no other purpose need not be
disclosed: Provided, That in the event an action is brought under
this title, such sources shall be available to the plaintiff under
appropriate discovery procedures in the court in which the action
is brought.
(3)(A) Identification of each person (including each end-user
identified under section 607(e)(1) [ 1681e]) that procured a
consumer report
(i) for employment purposes, during the 2-year period preceding the
date on which the request is made; or
(ii) for any other purpose, during the 1-year period preceding the
date on which the request is made.
(B) An identification of a person under subparagraph (A) shall
include
(i) the name of the person or, if applicable, the trade name
(written in full) under which such person conducts business;
and
(ii) upon request of the consumer, the address and telephone number
of the person.
Subparagraph (A) does not apply if--
(i) the end user is an agency or department of the United States
Government that procures the report from the person for purposes of
determining the eligibility of the consumer to whom the report
relates to receive access or continued access to classified
information (as defined in section 604(B)(4)(E)(i)); and
(ii) the head of the agency or department makes a written finding
as prescribed under section 604(B)(4)(A).
(4) The dates, original payees, and amounts of any checks upon
which is based any adverse characterization of the consumer,
included in the file at the time of the disclosure.
(5) A record of all inquiries received by the agency during the
1-year period preceding the request that identified the consumer in
connection with a credit or insurance transaction that was not
initiated by the consumer.
(B) Exempt information. The requirements of subsection (a) of this
section respecting the disclosure of sources of information and the
recipients of consumer reports do not apply to information received
or consumer reports furnished prior to the effective date of this
title except to the extent that the matter involved is contained in
the files of the consumer reporting agency on that date.
Summary of rights required to be included with disclosure.
(1) Summary of rights. A consumer reporting agency shall provide to
a consumer, with each written disclosure by the agency to the
consumer under this section
(A) a written summary of all of the rights that the consumer has
under this title; and
(B) in the case of a consumer reporting agency that compiles and
maintains files on consumers on a nationwide basis, a toll-free
telephone number established by the agency, at which personnel are
accessible to consumers during normal business hours.
(2) Specific items required to be included. The summary of rights
required under paragraph (1) shall include
(A) a brief description of this title and all rights of consumers
under this title;
(B) an explanation of how the consumer may exercise the rights of
the consumer under this title;
a list of all Federal agencies responsible for enforcing any
provision of this title and the address and any appropriate phone
number of each such agency, in a form that will assist the consumer
in selecting the appropriate agency;
(D) a statement that the consumer may have additional rights under
State law and that the consumer may wish to contact a State or
local consumer protection agency or a State attorney general to
learn of those rights; and
(E) a statement that a consumer reporting agency is not required to
remove accurate derogatory information from a consumer's file,
unless the information is outdated under section 605 [ 1681c] or
cannot be verified.
(3) Form of summary of rights. For purposes of this subsection and
any disclosure by a consumer reporting agency required under this
title with respect to consumers' rights, the Federal Trade
Commission (after consultation with each Federal agency referred to
in section 621(B) [ 1681s]) shall prescribe the form and content of
any such disclosure of the rights of consumers required under this
title. A consumer reporting agency shall be in compliance with this
subsection if it provides disclosures under paragraph (1) that are
substantially similar to the Federal Trade Commission prescription
under this paragraph.
(4) Effectiveness. No disclosures shall be required under this
subsection until the date on which the Federal Trade Commission
prescribes the form and content of such disclosures under paragraph
(3).