Private Information Correction – Phase 1

Description

Restore What’s Yours. Reclaim Control.

Tired of bureaus reporting false, outdated, or damaging information? Our Private Information Correction Service is designed for those who know their value and are ready to enforce it.

This is not your average dispute process.

We don’t waste time sending generic templates or begging for results. Our team engages directly with key parties—data furnishers, agencies, and bureaus—using a private, lawful, and results-driven strategy. We operate under contract law, equity, and federal protections, ensuring that all parties are placed on notice and held accountable.

✔️ Targeted Removal of Inaccurate, Unverifiable, or Fraudulent Items
✔️ Demand-based enforcement—Not “requests,” but lawful claims
✔️ Your information is yours—we act with lawful authority, not consent-based begging
✔️ Fast-track timelines and layered follow-up system to enforce compliance
✔️ No third-party applications, no templates, no exposure to consumer fraud traps

We handle the strategy. You see the results.

Your file. Your rights. Our enforcement.

📚 Legal References Supporting Private Enforcement

🔹 Fair Credit Reporting Act (FCRA) – 15 U.S.C. § 1681 et seq.

• § 1681e(b) – Duty to maintain maximum accuracy.

• § 1681i(a) – Reinvestigation required upon dispute.

• § 1681s-2(b) – Duties of furnishers after dispute notice.

• § 1681n & § 1681o – Civil liability for willful or negligent noncompliance.

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🔹 Fair Debt Collection Practices Act (FDCPA) – 15 U.S.C. § 1692 et seq.

• § 1692e – Prohibits false, deceptive, or misleading representations.

• § 1692g – Requires debt validation and written notice of consumer rights.

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🔹 Uniform Commercial Code (UCC)

• UCC § 1-308 – Reservation of rights without prejudice.

• UCC § 1-103 – Common law and equity supplement UCC remedies.

• UCC § 3-501 – Presentment and demand for acceptance.

• UCC § 3-603 – Tender of payment discharges obligation.

• UCC § 9-102(a)(73) – Definition of “secured party.”

• UCC § 9-609 – Secured party’s right to take possession after default.

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🔹 Truth in Lending Act (TILA) – 15 U.S.C. § 1601 et seq.

• Requires clear disclosure of terms and prohibits hidden or deceptive lending practices.

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🔹 Gramm-Leach-Bliley Act (GLBA) – 15 U.S.C. § 6801-6827

• Restricts unauthorized sharing or exposure of private consumer financial data.

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🔹 Right to Privacy & Identity Protection

• 5 U.S.C. § 552a (Privacy Act of 1974) – Controls how personal data is collected and disclosed by federal agencies.

• 18 U.S.C. § 1028A – Criminal penalties for identity theft and misuse of identifying information.

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🔹 Constitutional Authority

• U.S. Constitution, Article I, § 10, Clause 1 – No law shall impair the obligation of contracts.

• Fourth Amendment – Right to privacy and protection from unlawful searches/seizures.

• Fifth Amendment – Due process rights related to property and fair procedures.

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🔹 Consumer Financial Protection Bureau (CFPB)

• Federal agency that regulates consumer financial products and protects consumers from abusive practices.

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🔹 Key Case Law

• Spears v. Brennan, 745 N.E.2d 862 (Ind. 2001): False credit reporting supports damages.

• FTC v. Equifax, Consent Orders: Establish standards for accurate reporting and investigation.