It is still a story; it is being told to a group; it is lore.
As true as it is, it is your truth, and it is the world as you perceive it.

Did you see what the rugby player types saw, as they saw it? I doubt it.
Do you really know what the young lady at the disco actually asked and said? I don't think so.
I may not even be perceiving the story, through your words, as you or others are perceiving it. We each bring our own life into the hearing of the telling of this story.
That is an essential aspect of folklore.

In ten-millian years, someone or something may read your story, breathing life into the lore again, and the experiences brought to the reading of the story by the reader will still play a role in the perception of the story.