12/29/2025
GOD SENT ME
I JUST GAVE THESE TWO LETTER TO SOMEONE WHO NEEDED HELP WITH AN APARTMENT COLLECTION
BELOW IS AN AFFIDAVIT / TRANSUNION DISPUTE
THE BAD PART IS I ALWAYS HELP ANY AND EVERYONE BUT WHEN I NEED HELP NOBODY IS EVER THERE!!!!
BUT GOD WILL SEND ME MY BLESSINGS!
IF YOU HAVE AN APARTMENT EVICTION USE THE LETTERS BELOW THEN CONTACT THE CEO OF THE COMPANY AND MANUAL SEND IT TO THEM AS WELL!
PHILIP BOLER
CREDITKINGUSA LLC
1 EAST ERIE ST STE 525-4314
CHICAGO , IL 60611
312-392-6275
TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016-2000
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AFFIDAVIT OF TRUTH & FORMAL NOTICE OF DISPUTE
Directed to TransUnion LLC
Fair Credit Reporting Act (15 U.S.C. §1681 et seq.)
Consumer: Philip Timothy
Address: __________________________
DOB: __________________________
Last 4 SSN: ____
Report #: (from TransUnion report)
Date: __________________________
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AFFIDAVIT
I, Philip Timothy, being of lawful age and competent to testify, hereby declare under penalty of perjury:
1. I am a “consumer” as defined under 15 U.S.C. §1681a(c).
2. I am formally disputing the accuracy, completeness, ownership, and legal enforceability of the following account currently reported by TransUnion LLC:
Furnisher: IQ Data International Inc.
Account Type: Collection
Balance: $26,991
Date Opened: October 28, 2021
Status: Open / Placed for Collection
3. I have no knowledge of, nor have I ever signed, any contract or agreement creating the alleged obligation as reported.
⸻
NOTICE OF FCRA VIOLATIONS BY TRANSUNION
1. Failure to Maintain Maximum Possible Accuracy
Under 15 U.S.C. §1681e(b), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy.
❗ Reporting a high-balance collection without proof of a valid underlying contract, itemized accounting, or lawful standing fails the maximum accuracy standard.
⸻
2. Improper Reinvestigation Process
Under 15 U.S.C. §1681i(a)(1)(A), TransUnion must conduct a reasonable reinvestigation upon notice of dispute.
❗ Reliance on automated verification systems or furnisher confirmation without independent review of documentary evidence does not constitute a reasonable reinvestigation.
⸻
3. Reporting a Legally Incomplete Account
This account is materially defective and incomplete in violation of 15 U.S.C. §1681i(a)(5)(A) because:
• The account is listed as “Open” while simultaneously reported as a collection
• No contract or signed agreement is attached or verified
• No chain of title or assignment proving ownership has been produced
These inconsistencies render the account inaccurate and misleading.
⸻
4. Furnisher Lacks Standing
TransUnion is reporting information from a furnisher that has not demonstrated:
• Legal ownership of the alleged debt
• Authority to collect or report
• A valid chain of assignment
❗ Reporting data from a furnisher lacking standing constitutes negligent or willful noncompliance.
⸻
5. Failure to Delete Unverifiable Information
Under 15 U.S.C. §1681i(a)(1)(A) and §1681i(a)(5)(A), TransUnion must delete information that cannot be verified.
❗ To date, TransUnion has failed to provide competent verification of this account.
⸻
DEMAND FOR STATUTORY COMPLIANCE
I hereby demand that TransUnion LLC:
1. Delete the IQ Data International Inc. account immediately
2. Provide written confirmation of deletion
3. Cease reinsertion unless full compliance with §1681i(a)(5)(B) is met
4. Disclose the method of verification used, including:
• Name of furnisher contacted
• Documents reviewed
• Date and manner of verification
⸻
NOTICE OF LIABILITY
Failure to comply will expose TransUnion LLC to liability under:
• 15 U.S.C. §1681n – Willful noncompliance
• 15 U.S.C. §1681o – Negligent noncompliance
Including statutory damages, actual damages, attorney fees, and court costs.
⸻
AFFIRMATION
I affirm under penalty of perjury that the foregoing is true and correct.
Signature: ____________________________
Printed Name: Philip Timothy
Date: ____________________________
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WHAT TO DO NEXT (CRITICAL)
1. Print and sign in blue ink
2. Attach a copy of:
• Government ID
• Utility bill or bank statement
3. Mail certified, return receipt
Send Both ( TRANSUNION DISPUTE &
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE👇🏾👇🏾👇🏾👇🏾👇🏾
(Fair Credit Reporting Act / Fair Debt Collection Practices Act)
Affiant: Philip Timothy
Address: __________________________
Date of Birth: ____________________
Last 4 SSN: ____
Date: ____________________________
I, Philip Timothy, being competent to testify and acting under penalty of perjury, state the following:
1. I am a consumer as defined under 15 U.S.C. §1681a(c) and 15 U.S.C. §1692a(3).
2. I am disputing the accuracy, validity, ownership, and legal enforceability of the alleged account reported as:
Creditor: IQ Data International Inc.
Amount: $26,991
Status: Placed for Collection
Date Opened: October 28, 2021
3. I have no contractual agreement, signed instrument, promissory note, or billing statement proving I agreed to any debt in the amount claimed.
⸻
FORMAL NOTICE OF VIOLATIONS
1. Failure to Provide Proper Validation
Under FDCPA §809(b) – 15 U.S.C. §1692g, a debt collector must provide:
• A copy of the original signed agreement
• Proof of assignment and ownership
• An itemized accounting of the alleged balance
❗ IQ Data International Inc. has failed to provide competent evidence of the alleged obligation.
⸻
2. Reporting an Unverified & Inaccurate Debt
Under FCRA §623(a)(1)(A), furnishers may not report information they know—or should know—is inaccurate or cannot be verified.
❗ This account is being reported without proper verification, rendering it inaccurate by law.
⸻
3. Failure to Conduct a Reasonable Investigation
Under FCRA §611(a)(1)(A), upon dispute, a furnisher must conduct a reasonable investigation.
❗ Automated or database-only verification (e-OSCAR) does not meet the legal standard set by federal courts.
⸻
4. Improper Collection Reporting
The account is listed as:
• “Open”
• “Placed for collection”
• Original creditor = collection agency
❗ This is a material misrepresentation under FDCPA §807 – 15 U.S.C. §1692e, as a collection account cannot be “open” in the consumer’s name without a valid contract.
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5. Lack of Standing / Chain of Title
IQ Data International Inc. has failed to prove:
• Legal ownership of the debt
• A valid chain of assignment
• Authority to report or collect
❗ Without standing, reporting constitutes unlawful credit defamation.
⸻
DEMAND FOR RELIEF
Accordingly, I hereby demand the following:
1. Immediate deletion of this account from all consumer reporting agencies
2. Written confirmation of deletion
3. Cessation of all collection activity
4. No sale, transfer, or re-reporting of this account
Failure to comply will constitute willful noncompliance, subjecting the furnisher and bureaus to liability under:
• 15 U.S.C. §1681n (Civil Liability for Willful Noncompliance)
• 15 U.S.C. §1681o (Negligent Noncompliance)
• 15 U.S.C. §1692k (FDCPA Damages)
⸻
AFFIRMATION
I affirm under penalty of perjury that the statements above are true and correct to the best of my knowledge.
Signature: ____________________________
Printed Name: Philip Timothy
Date: __________________________
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