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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) on my student loan that as far as I am aware is such that should be Pays/Paid As Agreed, Never Late status. Yet, this current reporting item(s) delinquency(ies) are 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 >You have listed an inaccurate Student LOAN (LOAN #) on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Student Loan  Information that you are providing under FCRA 611 (a) (7) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Student Loan including if this was obtained by a third party originator and how it was handled and transferred to your firm and here below is the erroneous Student Loan(s) record you are reporting:</p>
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    <p> Please delete this above noted misleading information. Additionally I request that you please supply a corrected credit profile to all creditor reporting agencies. Understand that I am exercising my rights under the terms of the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681) and I expect your firm will respect my full legal rights as a consumer.  If for some reason you decide not to remove this inaccurate information, please do the following:<br>
1.      Tell me in writing what information you refuse to remove and why.
<br>2.      Tell me in writing what you did to determine that the information was accurate.
<br>3.      Note the information as disputed on my credit report and insert the relevant statement of my dispute, above, into my credit report.
                      <br>According to 15 USC § 1666 you are to cease collection of the disputed amount until verification and validation have been done.  If your firm CANNOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CANNOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPB’s compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the post mark date of this validation demand to answer. I appreciate your time and attention to this matter.
         <br>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.<br> 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>Sincerely,</p>
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