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    <p> *I DO NOT HAVE nor desire reported ANY OTHER FEDERALLY REQUISITE PERSONAL IDENTIFIER INFORMATION so here now move to DELETE any and all OTHER personal identifier information that might be reporting despite my objection without right of law to retain authority to report any data much less personal information that is insufficient of verifiability, validity, timeliness, or certified compliance of reporting there more! The only personal identifier information I grant you authority to report and or retain is EXACTLY as I have submitted above and in no manner else wise!</p>
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     <p>RE: Notice of currently reported injurious claim(s) unproven yet to be factually and physically validated true , correct, complete, timely, and certifiably metro 2 format compliant! These claims are requested check for requisites and immediately removed from reporting so to ensure lawful compliant reporting of ONLY factually true correct complete timely validated and certified allegations!</p>
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    <h1 class="span-ul2">To Whom it Concerns,</h1>
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    <p >Per my state’s reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting! Your reporting , is at a minimum , questionable and not factually substantiated and as such does not meet the minimum criterion of lawful reporting nor assumption of true and validity otherwise.  Please be advised that I here now demand that you check for undoubtable proof of and I challenge  the validity of the alleged debt in its entirety. Be further advised that I am requesting the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt, if so exists. You are attempting to collect an alleged debt and money that I do not owe unlawfully.  As per Federal Statute the FDCPA, I'm asking that you cease and desist all collection activity, including credit reporting. I am also requesting the prompt deletions of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau (“CFPB”) and I am fully aware that they are authorized to investigate this matter. If you fail to comply with this letter, this matter may be turned over to an attorney. The following accounts below were reported as a collection, but I don't recall having any business transactions or dealings with these companies. I am asking that you have the creditors provide evidence the accounts belong to me and should be on my credit report, In addition, to show that my rights have not been abrogated.
I'm asking each to verify that the creditors have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable by each creditor, I required that the accounts in question are updated and deleted to reflect the proper reporting standard.</p>
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    <p>According to 15 USC 1666 you are to cease collection of the disputed amount until verification and validation have been done. What has happened, instead, is an increase of phone calls to this residence, sometimes up to four calls a day. I consider this to be harassment. This is your final notice that you are to limit all future communication with me only in writing. If I receive any phone calls from your company, I will consider them to constitute HARASSMENT. Please be advised that unwanted phone calls are a Class 1 Misdemeanor in this state and I will file a complaint against the caller with the Attorney General’s office. I maintain a telephone log of each phone call and in some cases, make an audio recording when necessary. I permanently record all messages left on voice mail. I have evidence of over 20 calls since you received my NOTICE OF CHALLENGE contesting the claim(s) , as reported!
Be advised that you have the right to remain silent. If you ignore this NOTICE OF HARASSMENT and contact me by telephone, you and your employees agree to allow me to make an audio recording of our conversation and you and your employees agree to allow the recording and any other information obtained to be used against you and your employees in a court of law. I will accept only your written communication. Your failure to honor this request may constitute a violation of 15 USC § 1666 and may result in legal action against you. Govern yourself accordingly.
You should also be aware that making unsubstantiated demands for payment over the phone may be a form of wire fraud. Further, sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state laws. You may wish to consult with a competent legal advisor before your next communication with me.<br>Not happy consumer victim of mis-reporting derogatoriness,</p>

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