THE BUREAU BULLIES
FREE
BULLY METRO 2
EBOOK
UMAR CLARK
DISCLAIMER
The "Free Bully Metro 2 Ebook" provided herein by The Bureau Bullies is
offered as a complimentary resource for informational purposes only.
By accessing and utilizing this ebook, you acknowledge and agree that
the information contained within is provided on an as-is basis, without
any representations or warranties of any kind, express or implied.
We do not guarantee or promise any specific results, outcomes, or
improvements to your credit report or credit score as a result of
implementing the strategies outlined in this ebook. Every individual's
credit situation is unique, and results may vary based on a variety of
factors beyond our control.
Furthermore, the information provided in this ebook should not be
construed as legal advice. While we strive to provide accurate and up-
to-date information, we are not licensed attorneys, and the contents of
this ebook should not be considered a substitute for professional legal
advice. If you require legal assistance or guidance regarding credit
reporting or related matters, we strongly recommend consulting with a
qualified attorney or legal expert.
By downloading or using this ebook, you agree that neither The Bureau
Bullies nor any affiliated entities shall be liable for any direct, indirect,
incidental, special, or consequential damages arising out of the use or
inability to use the information contained herein, even if advised of the
possibility of such damages.
THE BUREAU BULLIES
THE BUREAU BULLIES
here are the most
current addresses
for all 3 consumer
reporting agencies
here are the most current
addresses for all 3 consumer
reporting agencies
1. EXPERIAN
475 Anton Blvd,
Costa Mesa, CA 92626
2. EQUIFAX
P.O. Box 740256
Atlanta, Ga 30374
3. TRANSUNION
P.O. Box 2000
Chester, Pa 19016- 2000
THE BUREAU BULLIES
THE BUREAU BULLIES
Use this letter for
Charge Offs,
Collections,
Foreclosures and
Repossession
Your Name
Your Address
Date
To Whom It May Concern,
I am writing to formally request a thorough investigation into the inaccuracies present in
my consumer credit report. Upon reviewing the document, I have identified several
instances of potentially false, inaccurate, and non-compliant information that require
immediate attention.
It is imperative that you understand the gravity of these discrepancies. Federal regulations
mandate the complete, accurate, and compliant reporting of all information, particularly
within the METRO 2 data fields. Any deviation from these standards is not only a violation
of the law but also a breach of trust with consumers.
I hereby dispute the following items listed in my credit report:
- Account #1
- Account #2
- Account #3
These alleged negative claims lack sufficient evidence to support their accuracy and
compliance with legal guidelines. Therefore, I demand the expungement and deletion of
all derogatory and adverse markings associated with these accounts.
Furthermore, I insist on your compliance with the Fair Credit Reporting Act (FCRA) and
METRO 2 reporting requirements. You are obligated to provide me with irrefutable
physical proof of the validity, accuracy, and compliance of the reported information.
Failure to do so within 30 days will result in legal action, including but not limited to filing a
claim in federal court.
I want to emphasize that my intention is not to dispute ownership or responsibility for
these accounts. Rather, I seek transparency and accountability in the reporting process. If
you are unable to substantiate the claims made in my credit report, I expect them to be
promptly removed or updated to reflect accurate information.
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution
to this dispute.
Sincerely,
Your Name
THE BUREAU BULLIES
THE BUREAU BULLIES
Use this letter if they
claim that what you
disputed is verified
Your Name
Your Address
Date
To Whom It May Concern,
I previously sent a letter to your bureau on [Date]. In response, you claimed that the
disputed items were verified. This letter serves as my formal rebuttal to your unfounded
assertion that the challenged items were indeed verified.
Please recall that my original complaint explicitly requested either physically verifiable
Metro 2 compliant proof or immediate deletion of the disputed items. Your response
failed to meet the criteria outlined in my initial request. Below, I have reiterated the
items included in my original dispute:
- Account Name: [Account Name]
Account Number: XXXXXXXXXX
- Account Name: [Account Name]
Account Number: XXXXXXXXXX
- Account Name: [Account Name]
Account Number: XXXXXXXXXX
- Account Name: [Account Name]
Account Number: XXXXXXXXXX
For the items you claim to have verified, I request specific details regarding the
verification process. Who did you speak with at the original creditor to verify these
items? How was contact made, via phone or in writing? Did you utilize a UDF form or
automated dispute verification?
As outlined in the Fair Credit Reporting Act (FCRA) Section 611 (15 U.S.C. § 1681I), I am
entitled to a detailed description of the reinvestigation procedure within 15 days of my
request. I expect your response within this timeframe. It is important to note that I am
not seeking a generic system-generated response but rather specific information
regarding the verification process.
If you are unable to provide the requested information, I demand the immediate
deletion of the referenced accounts from my credit report.
Sincerely,
Your Name
THE BUREAU BULLIES
THE BUREAU BULLIES
Use this letter for
Inquiries
Your Name
Your Address
Date
To Whom It May Concern,
Upon scrutinizing my consumer credit file, I've come across glaring instances of FRAUDULENT or
UNAUTHORIZED credit inquiries. As per the Fair Credit Reporting Act Section 611 (15 U.S.C 1681I), I
hold the legal right to contest information in my consumer credit report, whether through direct
dispute or by verifying Metro 2 compliant reporting.
Under the guidelines set forth in METRO 2 reporting, it is incumbent upon you to furnish verifiable
proof of permissible purpose provided by the original creditors listed below:
Creditor In Question #1: [List Inquiry and Date]
Creditor In Question #2: [List Inquiry and Date]
Creditor In Question #3: [List Inquiry and Date]
Creditor In Question #4: [List Inquiry and Date]
Creditor In Question #5: [List Inquiry and Date]
I am LEGALLY requesting physically verifiable PROOF of permissible purpose that fully complies
with Metro 2 regulations. Should such PHYSICAL evidence of PERMISSIBLE purpose not be
forthcoming upon receipt of my WRITTEN request, then I strongly urge you to nullify by means of
COMPLETE DELETION the entire record of unverified, unproven derogatory inquiries lodged
against me. This is due to the absence of PHYSICAL, irrefutable METRO 2 compliant EVIDENCE
supporting the LEGITIMACY of said reporting.
No irrefutable EVIDENCE has been presented to suggest or demonstrate that either myself or any
other authorized party has granted ANY authorization for such access to my consumer credit file
or the documented HARD INQUIRIES resulting from it. Therefore, if you are UNABLE or UNWILLING
to provide PHYSICAL METRO 2 compliant EVIDENCE to support the reporting of these fraudulent
and unfounded inquiries, I DEMAND full ERADICATION and EXPUNGEMENT of said items from my
credit file.
In my view, the proposed solution of FULL DELETION is the most appropriate course of action.
Should you persist in violating the Fair Credit Report Act by refusing to provide evidence of
compliant reporting or by denying my request for FULL deletion within the allotted 30-day
investigation period (FCRA 623 (a) (3)), I will be compelled to initiate a civil LAWSUIT in my district
small claims court against your company. In such a lawsuit, I will seek damages in the amount of
$1000 PER Violation, up to the MAXIMUM monetary amount allowed for damages in cases of this
nature.
Sincerely,
Your Name
THE BUREAU BULLIES
