My One and Only current First and Last name AND Street NUMBER and Street NAME along with my
current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE
IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE
REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:
__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__

Today is : __TODAY__

To: Your REPORTED Creditor/Collector NAME and ADDRESS is exactly:

__credit_bureau_name_address__

To Whom It May Concern:

Please DELETE TODAY, here and now even, the allegations of charge off by the creditor claiming account number/description below:

Alleged creditor reporting UNPROVEN to be compliant chargeoff:

__ALLEGED_ACCOUNT__

Alleged account number/description f UNPROVEN to be compliant chargeoff:

__ALLEGED_ACCOUNT_DESC__

I am making official writ notice to you today,even right now and right here in a civilly recognized certified declaration of composed challenge as I,in my rights to do such,compel or even adamantly demand for your requisite check to ensure you are performing complaint reporting, the compliance of what you are reporting and the compliance of how these allegations are being mysteriously reported by whom you transferred this certain injurious or even illegal damning allegations that are to date severely deficient of adequate proof to be fully all: (1) true, (2)fully correct, (3)fully complete, (4)within federal timeliness,and (5)to be of my lawful ownership of responsibility (6)as well as in agreement to every and one even each any and or all of the mandates/ obligations/regulations/and laws of my state as well as any and all pertinent federal laws, whether noted here or not regardless of your willful disregard of or the ignorance thereof. This letter is in part due to possibly even an response to the likely infringing communications I received from a collector representing your agency very recently, beit a phone call/fax/mail or otherwise matters not since the requisite laws were not obliged by.In this horrendous communication, your collector attempted , illegally mind you,to forcibly informed me that I insanely owed YOU an alleged debt (see enclosed). Upon reaching out to your collector in reply guardedly mind you,within my legal rights to do so, I questioned the collector regarding your rights to pursue this unproven and infringing accusation, I was stubbornly and overbearingly yet curtly informed that YOUR FIRM'S policy DID NOT permit any validation of the information regarding this or any alleged debt and it was your firm's policy to NOT provide detailed account records to ANY debtor.I AM IN MY RIGHTS TO ABSOLUTELY REQUEST THAT YOU PLEASE VERIFY AND VALIDATE PHYSICALLY EVERY AND ONE EVEN EACH ANY AND OR ALL OF THE CLAIMS OF THIS ALLEGED YET UNPROVEN TO BE MY RESPONSIBILITY OR FAULT.DEMONSTRATE READILY AND TIMELY THE PRECISE CONFIRMING FACTS OF THE ALLEGED ACCOUNT INCLUDING EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF ITS ARTICLE ASPECTS.BY FEDERAL LAWS,YOU MUST WILLFULLY AND PROMPTLY DELETE TODAY EVEN RIGHT NOW THIS DEFICIENT REPORTING OR ELSE PRESENT TO ME TRUE DOCUMENTED CERTIFICATE PROOF OF ALL DATA, EVERY NOTATION, DATE, BALANCE, CALCULATION, AUDIT, PERSONAL IDENTIFIER, EACH OF THE REQUISITE 426-CHARACTERS OF THE EXACT AND FULLY COMPLIANT P6 STATEMENT, ANY ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODE DECIDING THE LEFTNESS OR RIGHTNESS STATES,AND EVEN EVERY ASPECT OF THE MANDATED 386 PIECES OF CONFIRMATION TO COLLECTION.

I have clearly indicated or even demanded to correspond to someone with appropriate authority, should it be a phone call the with a supervisor.YET I HAVE NOT been allowed such communication. I take that, as would anyone in my circumstance I assume, that your collector is trying to make me convinced that a person or adequate authority or even a lowly supervisor is or was unavailable .Worse, without satisfying any of the mandated requirements, it seems as if you are continuing efforts in non-compliance to make me believe I should or must pay the unproven debt or if in defiance I might face being sued by your firm. In past and I am certain should I do such with your firm as well, whenever I informed or do conversationally inform YOUR collector that I was or am in process to start a recording of the totally eradicate of common standards and mis behavioristic ,at best descriptions, conversation I was or your collector will hang up or hung up on me.Infringing claims that are not testimonial in its indubitable certificate to be adequately true, accurate, complete, timely and or compliant to every and one even each any and or all of the requisite and obligatory State (mine) and or Federal laws that are applicable,regardless if claimant alleges ignorance or is willful in their derelict of the mandates violated.Per my RIGHTS to do so,I demand that you adequately ATTEST in lawful composition to every single and one even each any and or all of the data,every notation, the dates and balances,calculations and audits,accounting records and assure even the documented identities,the required CRSA enacted Metro-2 426-character format fielded P6 statement(s),at least the minimal five (5) portioned personal identifiers, authentic unabbreviated alpha-/ numeric-/ and or alphanumeric source code(s),respective corresponding and specific 386 pieces of confirmation to collect, any and every particular status code and description,as well as every single and one even each any and or all of the facets demanded by my State and or Federal, mentioned or not.Take note that the Ignorance of laws is not lawfully vindication nor exoneration from delusive chicanery,acted in ignorance or otherwise matters not.To return to or retain required compliance,delete every and one even each any and or all of the derogatory remarks today ,even now!I tell you the truth,to this I have made myself aware of my rights and what actions I might seek in reactions to being treated as a lame duck and or threatened with scandalously deplorable legal actions by your representative or any others, I know to know ensure I have quickly a need to contact the United States CONSUMER FINANCIAL PROTECTION BUREAU; I know I am in need to ensure that I speak or make notice to understanding of the laws and my rights representative who will make certain that I am or have always been forwarded to an appropriate leveled authority figure,maybe even just a supervisor who will or each time in the previous made clear as it is or was being pointed out that, indeed, YOUR Firm IS REQUIRED BY THE FDCPA and the Credit Reporting Bureau Settlement agreement to PROVIDE every single one even each any and or all of the FOLLOWING information to any debtor,including myself, that your firm is pursuing,whether rightfully so or in denial of laws. Additionally, my extensive researches into this matter have detailed to me very assertively that literally any good attorney knowledgeable on credit , finance , and or every and one even each any and or all of the consumer rights laws has confirmed to me that most definitely your FIRM is compelled by ethics, morality, and even TORT laws precedent to provide this information or face a lawsuit to deliver to me adequate monetary justice and satisfaction of remedying annulment of every and one even each any and or all of your untruths, inaccuracies, untimely claims, incomplete allegations, and or all other unproven mine or not fully compliant reportings :

Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, --- F. 3d --- (6th
Cir. 2014), 2014 WL 3440174 (6th Cir. Mich. 2014).

Please supply the following Requisite Checks for Regulatory
Compliance information in complete detail:

a)Is your firm currently Metro 2 compliant in its credit bureau reporting procedures (if not please 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 under taking to become Metro2 compliant)?

b)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.

c)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.

d)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.

e)In addition, please provide a COMPLETE (Metro 1 or Metro 2) snapshot of the debt report you have provided to the CRA’s (including a full P-segment –trailing segment of the report)?

f)Does your firm participate or utilize any type of ACDV (Automated Credit Dispute Verification) software or system?

g)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)?

h)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)?

i)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. <<<--->>>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.

j)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.

k)Is your firm aware of (Complying with the Credit Bureau Settlement Agreement)? l)Does your firm outsource data entry for your collection process (if so please provide the legal name and address of that data entry firm)?

m)A copy of the last billing statement sent to me by the original creditor.

n)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.

o)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.

p)Why you think I owe the debt, and to whom I owe it, including:

q)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.

r)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.

s)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

Through my extensive research of YOUR MANDATED OBLIGATIONS as well as of MY CIVIL and or CONSUMER RIGHTS, I have become very educated as I have also learned from previous actions that the CFPB supervisor that would undoubtedly inform me that indeed YOUR Firm has at maximum only 30 days to PRODUCE ALL of the ABOVE noted information. If your firm CANNOT or WILL NOT , inside the federally mandated and defined timely manner, produce adequate compliant PHYSICAL PROOF to every single one even each any and or ALL of the above noted items in need of documentation (showcasing the FACTS are certifiable in attesting that there is 100% truth, 100% correctness,100% completeness, 100% timeliness, and 100% obeyance to regulations as well as every single one even each any and or all claims versus me are evidenced in testimony to be exactly mine and of my ownership of responsibility , be assured that I will gladly accept your written NOTIFICATION stipulating that your firm CANNOT COMPLY with the FDCPA and that as a result of your ineptness you will immediately and formally be withdrawing your claim to this/these alleged debt(s) and or derogatory marks or notations versus me as is officially being demanded.Should you misunderstand my drive and WILL to gain JUSTICE and you vilely elect to choose to ignore this demand,please UNDERSTAND AND EXPECT IN CERTAINTY THAT soon after I will pursue a direct course offered under the CREDIT REPORTING SETTLEMENT AGREEMENT (aka CRSA)

[****FEEL FREE TO REVIEW (as I did) the COMPLETE 41 page pdf as located on the web at

https://ag.ny.gov/pdfs/CRA%20Agreement%20Fully%20Executed%203.8.15.pdf]

entered into by the Credit Reporting Agencies (such as is your repository) with the ATTORNEY GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and 37 other states that specifically creates empowerment and capacities for national none other than even a working group (such as the credit reporting working group)to amend in remediation and hold culpable,responsible and if need be punitively accountable and or even to sanction data furnishers who fail to meet the requirements of the FDCPA and CFPB’s compliance guidance for Professional Debt Collection Practices.Do not be wondrous to the fact that certainly in my riposte to your callousness that I will NOT pause even momentarily to FILE suit and petition for my own monetary windfall versus your axis firm for malicious collection activities(in ignorance or willfulness matters not per statutes) if your firm opts not to retort to this VALIDATION demand and its conditions -see

Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber,
USCA-02-C-0072, 7th Circuit Court, Sept. 2004.

****again should you care to study the just mentioned juris rendition, please avail yourself opportune to become familiar with the determined requisites of you in this matter as I have myself become very acquainted and educated to..The link of which I studied in glee was located exactly here... http://caselaw.findlaw.com/us-7th-circuit/1033194.html

As you likely have ascertained, I am VERY AWARE OF THE FACT THAT You have a MAXIMUM OF 30 days from the postmark date of this validation demand to not only answer but ALSO to retain or return to 100% compliance to any and every law or statute ,mentioned by me or not even if you are ignorant to them..

In GENUINE SINCERITY,

Today is:__TODAY__

***NOTE, should you again fail to present to me ,as MANDATED by federal reporting laws and the metro 2 format regulations to annul this still unproven potentially untrue, incorrect or else wise not physically verifiable valid allegation with proof of irrefutable certificate of testimonial affirmation of facts I will have no other option but to assume your ignorance of requisite and appropriate reporting mandates is through your undoubted willful disregard of your responsibility to dutiful and perfected ethical reporting and undeniable attestations to the 100% certificate of compliance in every single one even each any and or all of my state’s standards of reporting and equally that of any and all federal standards , whether mentioned or not! I compel you to return to lawful reporting and legal standing without any injuries or prejudices to me, now or in future! SEND TO ME ABSOLUTE DOCUMENT EVIDENCE of your intent to delete or the CERTIFIED EXACTING AUD displaying perfection of your reporting claims I find yet unfounded!