Wedding Planner Institute

Tonyer Johnson FACTUAL DATA 816 South Adams Street Apartment C205 875 GREENTREE RD Westmont Illinois 60559 PITTSBURGH, PA 15220 From : Tonyer Johnson 816 South Adams Street Apartment C205 Westmont Illinois 60559 Today's Date is: November 11 2021 Credit Report Data Resource: Identity IQ 07/23/2021 My Personal Tracking Number is 8e78 1e48 8842 1b17 5a18 Destination of my Consumer Complaint is FACTUAL DATA 875 GREENTREE RDPITTSBURGH, PA 15220 Re: My rightful consumer demand for removal from reporting any claim not confirmed certifiably compliant in its reporting(s) as alleged to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity exactly as reported, as displayed! To Whom it Concerns, To begin, please understand and accept this document to be such that serves as my rightful consumer DEMAND for you to demonstrate (1) the factually confirmed physical document proof of the your satisfying the minimal criteria needed to retained the CONDITIONAL PRIVILEGE to report, and (2) your undeniable, absolute, and complete adherence to each (a) the federally and (b) state requisite obeyed reporting regulations and any and all current reporting standards for lawful and ethical compliant reporting of any potentially injurious and or else wise negative information alleged versus me, reported about me, and or concerning me. I here now officially CONTEST the report-ability of any injurious negatively accused claim(s) not certified compliant with the required absolute perfection of complete and accurate reporting process(es) even including that there can be NO deviation of the Metro 2 Formatted reporting standards , including no omittance of any requisite reported data (be it in ignorance or be it in unlawful willful non-compliance) thereby rendering any such claim’s probity with the potential (if not likely) deficient state of credulity. Essentially, I simply would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others that might be reported now or else wise I DEMAND, as is my lawful RIGHT(s) to do so, that you annul permanently and immediately any and all potentially deficient of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it true or unknown! Again, I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. a. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). b. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). c. I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s).. d. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). d. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). e. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY Page 1 of 4

DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). f. I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co- applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right(s). ** Please ensure any personal identifier information matches EXACTLY with what I have submitted uncontested above, I do NOT authorize you to retain ANY information not requisite reported, not proven, not correct, not complete, not timely reported, not mine , not of my responsibility, and or else wise questionable OR in contradiction from the FACTUALLY ADEQUATE PERSONAL IDENTIFIER INFORMATION I have above submitted! The purpose for my writing to you today to contest your conditional privilege to report your potentially non-compliant claim(s) versus me as currently displayed on the referenced credit report of concern related to this notice! The claim(s) of which the non-compliant Reporting is contested is as follows: *HRCF12 FACTUAL DATA alleged on 07/11/2021 is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. So, unless able and with the willingness to demonstrate the factual document confirmation that your reporting process was performed to the requisite degree of certifiable compliance, even in regard to the mandated utilized perfect and complete Metro 2 Data-filled Field Formatted Reporting Standards, you are not assumed to have satisfied the minimal criteria to report ethically and lawfully. I do NOT AUTHORIZE YOU to report and there is no evidence of your retained CONDITIONAL PRIVILEGE to report so DO NOT! YOU MUST CONFIRM and assure the CERTIFIABLE COMPLIANT REPORTING for at least each of the following pieces of information: The minimal five-part Personal Identifier Information for the exact and document identified consumer alleged of ownership and responsibility of claimed negativity That any and all related balances and amounts are reporting correctly and compliantly. That any and all dates are reporting correctly and compliantly and that any prior pay history you are currently seeking to retain the condition privilege to report is confirmed and documented to be perfectly correct, complete, and certifiably compliant else wise! For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and confirmed to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard(s). I today, here, and now, contest your report-ability of the claims noted in this complaint. Additionally, I challenge you to make document testament and further to demonstrate the evidence, if any, of each claim’s factually certified compliant reporting even beyond each’s pre-requisites of being physically verified as fully true, of maximum possible correctness, adequately complete, timely, known to be of my ownership of responsibility, and or else wise undoubtable in its sure validity exactly as reported and displayed in report referenced! As you are aware, or SHOULD BE AWARE, per 2020 CRRG, DPN 3-4, “ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA” . As currently displayed in the above-mentioned report and being seemingly deficient of certainty of facts, with concerns to the alleged adequately certifiable reporting process(es) and or format(s), it can NOT be assumed your claims are within the minimal criteria for lawful and or ethical reporting, even should collection rights be unaffected, if even applies. In appreciation of the sufficient reporting safeguards, the below noted claim(s) reported versus me are contested as not being of a sure confirmation of facts and truth much less being certifiable in its essential compliant reporting process(es) and or the mandatory Metro 2 format reporting. Being divergent of the expected reporting caliber, the below contested reported claims’ probity each is in a state of peril due to multiple aspects of ailment as indicated beneath, DELETE ALL ASPECTS OF NEGATIVITY immediately and permanently. Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME FACTUAL DATA INQUIRY DATE 07/11/2021 -D1X INQ Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. *HRCF12 Creditor Name *BSCF8 Type of Business *HRCF8 Date of inquiry ^HRCF5-7 Credit Bureau Page 2 of 4

FACTUAL DATA-X Mortgage Reporters 07/11/2021Q ^HRCF6 Experian Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** Beyond the commonly referenced FCRA, ECOA, Metro 2 Compliance (mandatory format), and applicable state laws of reporting and consumer rights, FACTA section 312 allows for my complaint direct to you challenging you to prove your perfect and compliant reporting WITHOUT DEVIATION FROM STANDARDS (see CRRG3-4) and to contest your non-assumed conditional privilege to report any claim. As you are aware , or should be aware, FACTA section 312 gives consumers the RIGHT to file a consumer complaint against the reporting claim(s) thereby challenging the alleged reporter for demonstration of the absolute and undeniable proof of the aforementioned requisite compliant reporting of any and all supposed already mandated to have been deemed physically verified, true, correct, complete, timely, and else wise thought validated claims in contesting that reporting! Unfortunately, on at least one previous occasion a similar consumer complaint contesting the continued allowed reporting of the same claim(s) unproven to be reported in the mandated certifiably complaint Metro 2 Format with absolute adherence to all writ standards of the CRRG because ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. If elect to report, you MUST DO SO in a manner CONFIRMED to be COMPLIANT and with an assurance all claims are lodged with a MAXIMUM POSSIBLE ACCURACY and a MAXIMUM POSSIBLE COMPLETETION. Surely you COULD have elected to report to that REQUIRED OBEYED STANDARD without omittance of any required reported data and or aspect of, be it your deviation(s) cause by willful non-compliance or in questionable ignorance of the STANDARDS required adhered to! This being true, I am here now exercising my consumer RIGHT to DEMAND DIRECT FROM YOU for YOUR willful REMOVAL FROM REPORTING ANY and ALL CLAIM(s) accused versus me that LACK PERFECTION and or is without demonstrated document proof evidencing that CERTIFIABLY COMPLIANT and PERFECT COMPLETE REPORTING! In consideration of this notice’s indicated potential deviation(s) of standards and deficiencies of proven reporting else wise, I again DEMAND the IMMEDIATELY and PERMANENT REMOVAL from reporting any claim of a contested reporting and or unproven to be physically verified and validated to be of a MAXIMUM POSSIBLE ACCURACY and COMPLETION else wise. My contesting is in lieu of PROOF of the CONFIRMED CERTIFIABLY COMPLIANT REPORTING of any claim, NOT a dispute to any aspect of claim OTHERWISE, although there too MUST BE PERFECTION OF CLAIM(s) as is CURRENT for CLAIM(s)! As was decided in Nelson vs. Chase Manhattan, and because ,unfortunately, it has already caused me quite bit of unfair injuries let alone undue stress, I want to point out that you are in fact legally liable for any contested non-compliantly reported information. Per https://library.nclc.org/sites/default/files/CLP10_1-1.pdf “The Federal Trade Commission Agrees That Merely “Verifying Information in the Computerized File Does Not Constitute an ‘Investigation’” Under § 1681s-2(b)” And To “report” is “to give an account of.” Webster’s New Universal Unabridged Dictionary, supra, p. 1534. The noun “result” in the singular means “consequence; outcome.” Id., p. 1545. “Verify” means “to prove to be true by demonstration, evidence, or testimony.” Id., p. 2030. As used throughout the FCRA and specifically in the provisions here dealing with consumers’ complaints, the standard for compliance is both “accuracy and completeness.” This standard for accuracy under the FCRA is not anything unique, in a class of its own, one of a kind, by itself nor of its own, and or elsewise sui generis. Omitting a material fact or inability to demonstrate the fact of being certifiably compliant so can retain the conditional PRIVILEGE EVEN TO REPORT if and when reporting to the CRAs, also constitutes unethical and lawful misrepresentation under common law (Restatement of Torts (Second), §§ 529, 551) and potential deception under the Federal Trade Commission Act. Sterling Drug, Inc. v. F.T.C., 741 F.2d 1146, 1154 (9th Cir. 1984) (“failure to disclose material information may cause an advertisement to be deceptive, even if it does not state false facts”). The Nelson vs. Chase Manhattan case set a legal precedent that an injured consumer could sue non-compliant reporters (here that is you) for reporting claims deemed unproven not to be misreported, incorrect, deficient as reported, and or else wise not adherent to the CDIA written CRRG mandates for adequate and compliant reporting of information on a consumer’s credit report file and or record. I warn you against thoughts of not terminating the reporting of the challenged claims without the evidence of certifiably compliant reported information, and to do so immediately. Should this contested data not be taken care of as requested and mandated by laws and or standards, please understand that my next step will be complaints with the FTC, BBB, Both your and my own State Attorney Generals, and any other place I can think to file a complaint if not a delivered LOITS NOTICE ( Letter of Intent to Suit notice) versus you. I trust that all aspects of mentioned matter will be dealt with promptly. Page 3 of 4

In genuine sincerity I close, My Name is: Tonyer Johnson *NOTE THAT your continued non-compliant reporting despite this notice will require me to file a LOITS NOTICE (Letter of Intent to Suit notice) and should a need arise, I will request that a court and or jury of court nearest and most favorable to unfairly injured consumers return a fair verdict in a great monetary sum of at least $200,000 for violations of the Fair Credit Reporting Act, 15 U.S.C.A. §§ 1681- 1681t (West Supp. 1986), damage to creditworthiness and reputation, and humiliation and mental distress AND having demonstrated only the INABILITY (and or unwillingness to document an evident certified compliant reporting else wise) to MAINTAIN ADEQUACY TO THE MANDATED, not OPTIONAL, MINIMAL REPORTING COMPLIANCE STANDARDS with PERFECT ADHERENCE even to the requisite utilized and complete Metro 2 data-filled fielded formatted reporting. Page 4 of 4