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     <p>RE: Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT,
COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction.My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a
consideration of the claim(s) reality of collect-ability or not! </p>
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    <h1 class="span-ul2">To Whom it Concerns,</h1>
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    <p >I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting(s) versus me , particularly if currently reported item(s) are potentially deficient of the mandatory document evidence of  physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the  reporting,  and or the complete and perfect certified Metro 2 format reporting standard(s). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury(ies). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me , to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim(s) and or debt(s). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction(s) with you and I will NOT! Certainly if you elect still to injure me , even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion , a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item(s) of:</p>

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    <p> Please supply the following information in complete detail:<br>
>Why you think I owe the debt, and to whom I owe it, including:<br>
>The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
<br>>If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
<br>>Provide verification and documentation (retail installment contract etc.) that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
<br>>If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.</p>
    <p class="txt-cen-ul">The amount and age of the debt, specifically:</p>
    <p>>A copy of the last billing statement sent to me by the original creditor.
<br>>If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
<br>>If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
<br>>If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
<br>>Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.</p>
    <p class="txt-cen-ul">Due Diligence and Rights to Collect:</p>
    <p>>If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims.
<br>>I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
<br>>If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.</p>
    <p class="txt-cen-ul">Regulatory Compliance:</p>
    <p>>Is your firm aware of (Complying with the Credit Bureau Settlement Agreement)?
<br>>Does your firm participate or utilize any type of ACDV (Automated Credit Dispute Verification) software or system?
<br>>Does your firm outsource data entry for your collection process (if so please provide the legal name and address of that data entry firm)?
<br>>Is your firm currently Metro 2 compliant in its credit bureau reporting procedures (if not pleaser provide a signed declaration and waiver memorandum you have filed with the credit bureau or credit bureau reporting service that details the full process and steps your firm is undertaking to become Metro2 compliant)?
<br>>As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firm’s process of verification and validation for each disputed credit item (also include the name, title, and License number for the reviewing officer)?
<br>>In addition, please provide a COMPLETE (Metro 1 or Metro 2) snap shot of the debt report you have provided to the CRA’s (including a full P-segment –trailing segment of the report)?
>Provide a SIGNED notice of Compliance with regulatory measures as required by both the CFPB and the Credit Bureau Settlement Agreement (signed by your compliance officer, validating this DEBT and including the the name, title, and License number for the reviewing officer)?
                                I was also INFORMED by the CFPB supervisor that YOUR Firm has 30 days to PRODUCE ALL of the ABOVE noted information. 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 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.</p>
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    <p class="span-blue">In Genuine Sincerity I close,</p>
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