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The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized

The Fair Credit Reporting Act REQUIRES the CRA's (Credit Reporting Agencies) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report.

(Website: https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf)

The FCRA Requires The CRA's To Verify All Accounts With Your Original Contract Along With Your Signature

The FCRA requires all CRA's to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, I have provided you with 4 paragraphs (along with my paraphrasing of them for your understanding) so you know that your disputes are in 100% compliance with the law. Pay special attention to the italicized section of each clause. It reads:

Section 2 of Page 39 Of The FCRA States That If Asked, The Credit Bureaus Must Provide A Copy Of Your Original Contract

1. (2) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section. (Page 39)


Paraphrase: This is section is stating that if you ask in the right way, the CRA's must grant your request by providing you with the copies of the original documents you signed with the creditor(s).

Section (2)(E) of Page 39 Says That If The Accounts Are Outdated Or Cannot Be Verified, They Must Be Removed

2. (2), (E), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified. (Page 39)


Paraphrase: This section has two parts - one is stating that your adverse items must be removed if they are outdated and the other part, which makes this process very easy for you to succeed (smile), is saying the CRA must "verify" that the accounts are valid. The next clause describes how your account must be verified.

Section 1 of Page 40 States That The CRA's Must Provide A Copy Of The Original Contract You Signed Which They Don't Have

3. (1), a business... shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity. (Page 40)


Paraphrase: This section is stating that the CRA's must provide you with a copy of the original application or document you signed when you made a business transaction or applied for credit. Note: THEY DO NOT HAVE THESE ON FILE BECA-- USE THEY RECEIVED EVERYTHING ELECTRONICALLY!!!

4. (2) Verification (B) of the information in the consumer's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. (Page 5)


Paraphrase: This section is stating that in order for your account to be considered verified, your CREDIT APPLICATION (i.e. a copy of the original document you signed) must be provided in which the creditors and lenders have in their possession - not the CRA's.

Proper verification according to the FCRA is that the CRA's must have copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files in order to place those items on your credit report, however, they don't ever review any documents or keep a copy of your credit application in their files.


The objective of these dispute letters is not to dispute whether your information that is being reported is valid or not, it is to dispute the CRA's RIGHT TO REPORT your negative items lest they provide you with a copy of the original documents you signed, in which they will never do because they never received them in the first place.

Therefore, according to the FCRA, all CRA's must provide must provide a copy of the verifiable original creditor documentation IF IT IS REQUESTED PROPERLY BY YOU THE CONSUMER, and since they don't have proof that the negative items are yours, then according to the FCRA, those items are classified as “UNVERIFIED”, and under the FCRA – all unverified accounts MUST BE DELETED. You have now been equipped with this POWERFUL knowledge... now you must use it to empower yourself!

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Credit Bureau Dispute Process

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Freeze Your Credit Reports Using The Provided Links in Our Credit Healing Packet
Note: Freezing Your Account is free, easy and harmless. The purpose is to create a buffer between the credit bureaus and creditors/collection agencies which makes it easier to get your derogatory items removed.
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Fill In Your Credit Healing Dispute Letters Using Microsoft Word
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Mail Your Credit Healing Letters To The Credit Bureaus, Creditors and Collection Agencies Via Certified Mail
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You Have Received Your Positive Results in The Mail Showing Deleted Negative Items. Send Your Next Round of Letters if Necessary.
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17 Laws of the FCRA and FDCPA We Utilize to Succeed

WhoWhyPrecedent/LawFine
Creditors if they report your credit history inaccuratelyInjury to your credit report and credit scoreFCRA
Section 604
(A)(3)
$2500
Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you)Consumer protection afforded by the FDCPAFDCPA
Section 809 (b),
FTC opinion letter Cass from LeFevre (See Appendix B).
$1000
Credit bureaus if they do not remove your accounts after requesting consumer contract with signature on itConsumer protection afforded by the FCRAFCRA Section 609 (a)(1)(A) Up to $15,000
Credit bureaus if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days)Consumer protection afforded by the FCRAFCRA
Section 611
Part (A)(1)
$2500
The collection agency can not use any kind of harassment or abuse**Consumer protection afforded by the FDCPAFDCPA
Section 806
$1000
Collection agencies if they have not validated your debt and they still continue to report to the credit bureausConsumer protection afforded by the FDCPASection 809 (b),
FTC opinion letter Cass from LeFevre (See Appendix B).
$1000
Credit bureaus if they refuse to correct information after being provided proofDefamation, willful injuryFCRA
Section 623
CUSHMAN VS. TRANS UNION CORPORATION
US Court of Appeals for the Third Circuit
Court Case 115 F.3d 220
June 9, 1997, Filed
(D.C. No. 95-cv-01743).


Extent of damages incurred by the wronged party, as deemed by the courts
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.Consumer protection afforded by the FCRAFCRA
SECTION 611
Part (A)(5)(B)(ii)
$2500
Creditors or collection agencies, and credit bureaus if they try and “Re-age” your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longerConsumer protection afforded by the FCRAFCRA
Section 605
(c) Running of the reporting period
$1000
Collection agencies if you have sent them a cease and desist letter and they still call youConsumer protection afforded by the FDCPAFDCPA
Section 805 (c)
$1000
Collection agencies if they:
Cash a post-dated check before the date on the check
Cost you money by making you accept collect calls or COD mail
Take or threaten to take any personal property without a judgment
Consumer protection afforded by the FDCPAFDCPA
Section 808
$1000
Calls you after 8 PM at night or before 9 AMConsumer protection afforded by the FDCPAFDCPA
Section 805. (a)(1)
$1000
Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication.Consumer protection afforded by the FDCPAFDCPA
Section 805. (a)(3)
$1000
Calls any third part about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector. Consumer protection afforded by the FDCPAFDCPA
Section 805. (b)
$1000
Collector cannot claim to garnish your wages, seize property or have you arrested ***Consumer protection afforded by the FDCPAFDCPA
Section 807
$1000
Collector must sue you in a county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuitConsumer protection afforded by the FDCPAFDCPA
Section 811 (a) (2)
$1000
Also a good grounds for getting a judgment vacated



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