Master Violation Index (Starter)
Generated: 2026-01-18
This is a starter index populated from current case context. Evidence references are intentionally blank and should be filled during review.
| ID | Title | Party | Container | Category | Status | Leverage | Risk | Phase | Theory | Next Action | Deadline |
|---|---|---|---|---|---|---|---|---|---|---|---|
| V-001 | FCFCU continues reporting first mortgage as active delinquent installment loan post-judgment/sale | FCFCU | FCFCU | FCRA | Draft | High | Medium | Credit | THEORY_FCRA_SYSTEMIC_MISREPORTING | Include in all 3 bureau disputes; direct furnisher notice | |
| V-002 | FCFCU continues reporting second mortgage as active delinquent installment loan post-judgment/sale | FCFCU | FCFCU | FCRA | Draft | High | Medium | Credit | THEORY_FCRA_SYSTEMIC_MISREPORTING | Include in all 3 bureau disputes; direct furnisher notice | |
| V-003 | Monthly delinquencies reported after foreclosure judgment (no lawful monthly obligation) | FCFCU | FCFCU | FCRA | Draft | High | Medium | Credit | THEORY_FCRA_SYSTEMIC_MISREPORTING | Add to contradiction exhibit; demand deletion | |
| V-004 | Past-due amount and payment schedule reported after judgment despite merger/extinguishment | FCFCU | FCFCU | FCRA | Draft | High | Medium | Credit | THEORY_FCRA_SYSTEMIC_MISREPORTING | Add to bureau disputes; CFPB complaint | |
| V-005 | Failure to correct inaccurate furnishings after notice (1681s-2(b)) | FCFCU | FCFCU | FCRA | Draft | High | Low | Credit | THEORY_FCRA_NOTICE_AND_NONCOMPLIANCE | Send direct furnisher letter certified; track receipt | |
| V-006 | Dual tradeline double-counting of same collateral/debt causing compounded credit harm | FCFCU | FCFCU | FCRA | Draft | High | Medium | Credit | THEORY_FCRA_SYSTEMIC_MISREPORTING | Use in damages narrative; settlement posture | |
| V-007 | Inconsistent reporting vs court position (ownership/possession vs ongoing borrower obligation) | FCFCU | FCFCU | FCRA | Draft | High | Low | Credit | THEORY_CONTRADICTION_AND_MISREPRESENTATION | Finalize comparative contradiction exhibit | |
| V-008 | Credit defamation: false publication of delinquency after legal status changed | FCFCU | FCFCU | Tort | Draft | Medium | Medium | Litigation | THEORY_CREDIT_DEFAMATION | Hold for litigation packet; document actual damages | |
| V-009 | FDCPA-style misrepresentation of legal status of debt (if collector/attorney involved) | FCFCU/Attorney | FCFCU | FDCPA | Draft | Medium | High | Litigation | THEORY_DEBT_STATUS_MISREPRESENTATION | Identify who is furnishing/collecting; capture letters | |
| V-010 | Failure to mark account ‘foreclosure’ / ‘closed’ accurately after sale | FCFCU | FCFCU | FCRA | Draft | Medium | Low | Credit | THEORY_FCRA_ACCURACY | Add correction/deletion demand language | |
| V-011 | Experian reinvestigation failure / inadequate investigation (if occurs) | Experian | CREDIT_BUREAUS | FCRA | Draft | Medium | Medium | Credit | THEORY_CRA_REINVESTIGATION_FAILURE | File dispute; preserve CRA results; escalate if denied | |
| V-012 | Equifax reinvestigation failure / inadequate investigation (if occurs) | Equifax | CREDIT_BUREAUS | FCRA | Draft | Medium | Medium | Credit | THEORY_CRA_REINVESTIGATION_FAILURE | File dispute; preserve CRA results; escalate if denied | |
| V-013 | TransUnion reinvestigation failure / inadequate investigation (if occurs) | TransUnion | CREDIT_BUREAUS | FCRA | Draft | Medium | Medium | Credit | THEORY_CRA_REINVESTIGATION_FAILURE | File dispute; preserve CRA results; escalate if denied | |
| V-020 | Post-08/15 AES electric charges billed to Defendant despite FCFCU ownership/possession | AES Indiana | UTILITIES_HOA_CITY | Utility | Draft | High | Low | Ownership | THEORY_POST_SALE_COST_SHIFT | Send AES demand to close/transfer account; dispute charges | |
| V-021 | Post-08/15 Citizens Energy charges billed to Defendant despite FCFCU ownership/possession | Citizens Energy | UTILITIES_HOA_CITY | Utility | Draft | High | Low | Ownership | THEORY_POST_SALE_COST_SHIFT | Send Citizens demand; dispute charges; request backdating close | |
| V-022 | Post-08/15 HOA assessments/fines billed to Defendant despite FCFCU ownership/possession | Shadow Pointe HOA | UTILITIES_HOA_CITY | Contract/Tort | Draft | High | Medium | Ownership | THEORY_POST_SALE_COST_SHIFT | Send HOA demand; request ledger correction; stop collections | |
| V-023 | City grass-cut ticket assessed against Defendant after loss of access/authority | City of Indianapolis | UTILITIES_HOA_CITY | Municipal | Draft | High | Low | Ownership | THEORY_WRONGFUL_ENFORCEMENT_NO_CONTROL | File citation challenge; request dismissal/void; attach possession proof | |
| V-024 | Municipal code enforcement actions after possession transfer (if any) | City of Indianapolis | UTILITIES_HOA_CITY | Municipal | Draft | Medium | Medium | Ownership | THEORY_WRONGFUL_ENFORCEMENT_NO_CONTROL | Inventory all city notices; request reassignment to owner | |
| V-025 | Cost-shift: FCFCU refused to winterize/maintain yet billed occupant/Defendant via third parties | FCFCU | FCFCU | Tort/Consumer | Draft | Medium | Medium | Ownership | THEORY_POST_SALE_COST_SHIFT | Use FCFCU testimony re winterization in notices; damages mapping | |
| V-026 | Credit reporting harm compounded by utility/municipal delinquency risk (collections) | Multiple | UTILITIES_HOA_CITY | Consumer_Protection | Draft | Medium | Medium | Ownership | THEORY_COMPOUNDING_HARM | Track threats/collections; add to damages file | |
| V-030 | Service allegedly completed but Defendant received no notice before writ executed | FCFCU/Sheriff | FCFCU | Due_Process | Draft | High | High | Foreclosure | THEORY_LACK_OF_NOTICE_AND_JURISDICTION | Tie to motion practice; evidence of no posting/mailing | |
| V-031 | Sheriff return inaccuracies (claimed posting/mailing not done) - factual dispute | Sheriff | REGULATORS_PROCEDURAL | Due_Process | Draft | High | High | Foreclosure | THEORY_FALSE_RETURN_OR_DEFECTIVE_SERVICE | Collect photos/witness statements; compare return requirements | |
| V-032 | No ADA-compliant notice/accommodation despite disability communication needs | Court/FCFCU | REGULATORS_PROCEDURAL | ADA | Draft | High | Medium | Regulators | THEORY_ADA_PROCEDURAL_EXCLUSION | Package DOJ/IACRC complaint; cite concrete failures | |
| V-033 | Removal occurred 6–7 days after deed recorded/assessor update (compressed window) | FCFCU | FCFCU | Due_Process | Draft | Medium | Medium | Foreclosure | THEORY_UNREASONABLE_TIMELINE_AND_PREJUDICE | Use in prejudice argument; timeline exhibit | |
| V-034 | Attorney appeared without formal appearance filed at hearing | Plaintiff counsel | REGULATORS_PROCEDURAL | Procedure | Draft | Low | Low | Foreclosure | THEORY_PROCEDURAL_IRREGULARITY | Pull docket proof; decide whether to use or discard | |
| V-035 | Court relied on service sufficiency without addressing conflicting facts | Court | REGULATORS_PROCEDURAL | Due_Process | Draft | Medium | High | Foreclosure | THEORY_INADEQUATE_FACTFINDING | Hold; evaluate appeal/mandamus posture | |
| V-036 | Surplus funds declared resolved despite dispute on accuracy/fees | Court/FCFCU | FCFCU | Procedure/Accounting | Draft | Medium | High | Foreclosure | THEORY_ACCOUNTING_IRREGULARITIES | Compile fee/interest anomalies; tie to clerk balances | |
| V-037 | Interest/fees arbitrarily inflated (dispute) impacting accounting and harm | FCFCU | FCFCU | Accounting | Draft | Medium | High | Foreclosure | THEORY_ACCOUNTING_IRREGULARITIES | Build spreadsheet; source statements; keep conservative | |
| V-038 | FCFCU testimony: winterize then leave until spring (arbitrary urgency for removal) | FCFCU | FCFCU | Tort/Consumer | Draft | Medium | Medium | Ownership | THEORY_ARBITRARY_HARDSHIP_AND_BAD_FAITH | Use in narrative of unnecessary harm; settlement leverage | |
| V-040 | Illegal removal without proper writ of possession notice (Standard: 48hr post-service) | FCFCU/Sheriff | FCFCU | Due_Process | Draft | High | High | Foreclosure | THEORY_LACK_OF_NOTICE_AND_JURISDICTION | Tie to 12/9 video evidence of forced entry | |
| V-050 | CFPB complaint track for credit misreporting + cost shift | CFPB | REGULATORS_PROCEDURAL | Regulatory | Draft | High | Low | Regulators | THEORY_REGULATORY_PRESSURE | Submit CFPB complaint with packet; track response | |
| V-051 | Indiana AG complaint track (pattern/practice, consumer harm) | Indiana AG | REGULATORS_PROCEDURAL | Regulatory | Draft | Medium | Low | Regulators | THEORY_REGULATORY_PRESSURE | Submit IN AG complaint; attach contradiction exhibit | |
| V-052 | Indiana Civil Rights Commission complaint track (ADA-related exclusion) | IN Civil Rights | REGULATORS_PROCEDURAL | ADA/Civil_Rights | Draft | Medium | Medium | Regulators | THEORY_ADA_PROCEDURAL_EXCLUSION | Submit ICRC complaint; attach accommodation failures | |
| V-053 | DOJ Civil Rights (ADA Title II) complaint track | DOJ | REGULATORS_PROCEDURAL | ADA/Civil_Rights | Draft | Medium | Medium | Regulators | THEORY_ADA_PROCEDURAL_EXCLUSION | File/confirm DOJ complaint receipt; add to response tracking | |
| V-060 | BBB complaint as reputational pressure channel | BBB | REGULATORS_PROCEDURAL | Reputation | Draft | Low | Low | Regulators | THEORY_REPUTATIONAL_PRESSURE | File BBB complaint after legal notices sent | |
| V-070 | Global demand letter: deletion + monetary settlement + account purges | FCFCU | FCFCU | Litigation | Draft | High | Medium | Litigation | THEORY_GLOBAL_RESOLUTION | Draft demand package; set deadline; include damages model | |
| V-071 | Litigation hold/preservation letter to FCFCU for credit reporting and internal records | FCFCU | FCFCU | Litigation | Draft | Medium | Low | Litigation | THEORY_PRESERVATION | Send preservation letter; request Metro-2 data, audits, comms | |
| V-072 | Equitable relief theory: complete tradeline deletion due to loss of reporting integrity | FCFCU | FCFCU | Litigation | Draft | High | Medium | Litigation | THEORY_EQUITABLE_RELIEF_DELETION | Embed in demand + complaints; cite systemic misreporting | |
| V-073 | Damages: credit score suppression and denials (documented) attributable to misreporting | FCFCU | FCFCU | Damages | Draft | High | Medium | Litigation | THEORY_DAMAGES_CREDIT | Start damages log; collect denial letters, score deltas | |
| V-074 | Damages: out-of-pocket costs from displacement and post-sale bills | FCFCU | FCFCU | Damages | Draft | Medium | Medium | Litigation | THEORY_DAMAGES_FINANCIAL | Compile bills and receipts; avoid double-counting | |
| V-075 | Public accountability hold: prepare fact-checked summary and timeline (not published yet) | FCFCU | FCFCU | Public | Held | Medium | High | Public | THEORY_PUBLIC_ACCOUNTABILITY | Draft internal public brief; keep in HOLD folder | |
| V-080 | Conversion/Negligence: Post-removal property damage and spoilage | FCFCU | FCFCU | Tort | Active | High | Medium | Litigation | THEORY_ARBITRARY_HARDSHIP_AND_BAD_FAITH | Finalize damage accounting for TV/Fridge; document water leak | |
| V-081 | Evidence Spoliation: Deliberate disconnection of interior surveillance | FCFCU | FCFCU | Procedure/Evidence | Active | High | High | Litigation | THEORY_PRESERVATION | Present Video #46 to court; seek sanctions for Abbott tampering | |
| V-082 | Fraud on the Court: Material misrepresentations regarding surplus/service | FCFCU | FCFCU | Procedure | Active | High | High | Litigation | THEORY_CONTRADICTION_AND_MISREPRESENTATION | Detail “fudged” accounting in Surplus Response | |
| V-090 | Secondary Displacement: Cascade of harm and predatory housing duress | FCFCU | FCFCU | Consequential Damages | Active | High | High | Litigation | THEORY_ARBITRARY_HARDSHIP_AND_BAD_FAITH | File Secondary Displacement Declaration; track hotel costs | |
| V-095 | Theft of Services: Unauthorized consumption of utilities in Defendant’s name | FCFCU | FCFCU | Financial/Tort | Active | Medium | Medium | Litigation | THEORY_POST_SALE_COST_SHIFT | Dispute bills with AES/Citizens; demand reimbursement | |
| V-100 | HUD / Civil Rights Track: Formal administrative tracking of external filings | HUD/ICRC | REGULATORS_PROCEDURAL | ADA/Civil_Rights | Planned | High | Medium | Regulators | THEORY_ADA_PROCEDURAL_EXCLUSION | Finalize and file HUD/ICRC complaints (Jan 19) | |
| V-111 | Zai Asylum Case Closure (Secondary Displacement) | FCFCU / Court | OTHER_PARTIES | Consequential | Active | High | High | Other | THEORY_CASCADE_OF_HARM | Document closure; support 3rd party harm claim | |
| V-112 | Forced Relocation to Evansville (Prof/Tech Harm) | FCFCU | OTHER_PARTIES | Professional | Active | Medium | Low | Other | THEORY_ARBITRARY_HARDSHIP_AND_BAD_FAITH | Document revenue loss and tech bottlenecks | |
| V-113 | Otis Predatory Housing & Financial Extortion | Otis | OTHER_PARTIES | Consequential | Active | Low | Medium | Other | THEORY_CASCADE_OF_HARM | Vacate; document labor/fraud |