Mar 9 โข WEALTH GEM'S๐
Charge Off Removal Strategy ๐ฅ 2026
1๏ธโฃStep-1:
1). Freeze all Data Furnishers and continue to send disputes. (see Attachment).
--- Lexus Nexis & Sage Stream merged * *
2๏ธโฃStep 2:
2). Upload MINIMUM of 11-supporting documents :: CFPB Website
--- Affidavit (notarize at bank)
--- Dispute Letter /Hand Written * *
--- FTC Report
--- Breach Letter (see attachment)
--- OAG Letter (Office of the Att General)
--- Notarized pg from credit report they sent you.
--- Notarized pg w/ old personal information.
--- Notarized pg they sent showing inconsistencies.
--- Screenshot of website errors, '404 error'.
--- Screenshot of redirect to call when online.
--- License
--- SSN
--- Utility Bill
3๏ธโฃStep 3:
3). Between 3:00 am and 5:00 am is typical website maintenance windows. So, when logging in at that hour screen record to capture load errors, system down errors, buffering errors et cetera. Add to CFPB upload.
4๏ธโฃStep 4:
4). Remember all 3-bureaus are guilty of breaking the law.
--- Copy the CFPB report text
( from list of guilty verdicts below )
--- Paste into ChatGPT
--- Prompt it to create 3 dispute letters
( citing the lawsuits )
--- Hand write the 2nd and 3rd letter or all three
--- Repeat and refine the process as necessary
โผ๏ธ REMEMBER THEIR ALL GUILTY โผ๏ธ
Experian GUILTY : failed to correct flawed financial data about consumers
Experian GUILTY : Sham Investigations
Experian GUILTY : failing to properly probe consumer complaints
Equifax GUILTY : Improper Investigations
Equifax Data Breach
Transunion : Violating Previous Agreement w/ CFPB
Transunion GUILTY : Failed to Ensure Accuracy for tenants
--
If that doen't work try this.
1). Get a consumer attorney. Free unless you win.
4
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Charge Off Removal Strategy ๐ฅ 2026
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