269 lines
20 KiB
HTML
269 lines
20 KiB
HTML
<div style="font-family: Times,serif;">
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<p>
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<span style="font-size: 14px;">
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My One and Only current First and Last name AND Street NUMBER and Street NAME along with my<br/>
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current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE<br/>
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IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE<br/>
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REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:<br/>
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</span>
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<span style="background-color: yellow;">
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__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__<br/>
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</span>
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</p>
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<p>
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<span>Today is : </span><span style="background-color: yellow;">__TODAY__</span><br/><br/>
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</p>
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<p>
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<span style="font-size: 14;">To: Your REPORTED Creditor/Collector NAME and ADDRESS is exactly:<br/></span>
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</p>
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<p>
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<span style="background-color: yellow;">
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__credit_bureau_name_address__
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</span>
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</p>
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<p>
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<span style="font-weight: bold;font-size: 24;text-decoration: underline;">
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To Whom It May Concern:
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</span>
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</p>
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<p style="font-weight: bold;font-size: 13;text-align: justify;width: 100%;">
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Please DELETE TODAY, here and now even, the allegations of charge off by the creditor claiming account
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number/description below: <br/>
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</p>
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<p> <span style="font-weight: bold;font-size: 13;">
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Alleged creditor reporting UNPROVEN to be compliant chargeoff: <br/>
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</span></p>
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<p>
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<span style="background-color: yellow;">
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__ALLEGED_ACCOUNT__
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</span>
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</p>
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<p> <span style="font-weight: bold;font-size: 13;">
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Alleged account number/description f UNPROVEN to be compliant chargeoff:<br/>
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</span></p>
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<p>
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<span style="background-color: yellow;">
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__ALLEGED_ACCOUNT_DESC__
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</span>
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</p>
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<p style="font-size: 14;text-align: justify;width: 100%;">
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I am making official writ notice to you today,even right now and right here in a civilly recognized
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certified declaration of composed challenge as I,in my rights to do such,compel or even adamantly
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demand for your requisite check to ensure you are performing complaint reporting, the compliance of
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what you are reporting and the compliance of how these allegations are being mysteriously reported by
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whom you transferred this certain injurious or even illegal damning allegations that are to date severely
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deficient of adequate proof to be fully all: (1) true, (2)fully correct, (3)fully complete, (4)within federal
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timeliness,and (5)to be of my lawful ownership of responsibility (6)as well as in agreement to every and
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one even each any and or all of the mandates/ obligations/regulations/and laws of my state as well as any
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and all pertinent federal laws, whether noted here or not regardless of your willful disregard of or the
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ignorance thereof. This letter is in part due to possibly even an response to the likely infringing
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communications I received from a collector representing your agency very recently, beit a phone
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call/fax/mail or otherwise matters not since the requisite laws were not obliged by.In this horrendous
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communication, your collector attempted , illegally mind you,to forcibly informed me that I insanely
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owed YOU an alleged debt (see enclosed). Upon reaching out to your collector in reply guardedly mind
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you,within my legal rights to do so, I questioned the collector regarding your rights to pursue this
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unproven and infringing accusation, I was stubbornly and overbearingly yet curtly informed that YOUR
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FIRM'S policy DID NOT permit any validation of the information regarding this or any alleged debt and
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it was your firm's policy to NOT provide detailed account records to ANY debtor.I AM IN MY RIGHTS
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TO ABSOLUTELY REQUEST THAT YOU PLEASE VERIFY AND VALIDATE PHYSICALLY
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EVERY AND ONE EVEN EACH ANY AND OR ALL OF THE CLAIMS OF THIS ALLEGED YET
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UNPROVEN TO BE MY RESPONSIBILITY OR FAULT.DEMONSTRATE READILY AND TIMELY
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THE PRECISE CONFIRMING FACTS OF THE ALLEGED ACCOUNT INCLUDING EVERY
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SINGLE ONE EVEN EACH ANY AND OR ALL OF ITS ARTICLE ASPECTS.BY FEDERAL
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LAWS,YOU MUST WILLFULLY AND PROMPTLY DELETE TODAY EVEN RIGHT NOW THIS
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DEFICIENT REPORTING OR ELSE PRESENT TO ME TRUE DOCUMENTED CERTIFICATE
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PROOF OF ALL DATA, EVERY NOTATION, DATE, BALANCE, CALCULATION, AUDIT,
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PERSONAL IDENTIFIER, EACH OF THE REQUISITE 426-CHARACTERS OF THE EXACT AND
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FULLY COMPLIANT P6 STATEMENT, ANY ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC
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SOURCE CODE DECIDING THE LEFTNESS OR RIGHTNESS STATES,AND EVEN EVERY
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ASPECT OF THE MANDATED 386 PIECES OF CONFIRMATION TO COLLECTION.<br/><br/>
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I have clearly indicated or even demanded to correspond to someone with appropriate authority, should it
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be a phone call the with a supervisor.YET I HAVE NOT been allowed such communication. I take that,
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as would anyone in my circumstance I assume, that your collector is trying to make me convinced that a
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person or adequate authority or even a lowly supervisor is or was unavailable .Worse, without satisfying
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any of the mandated requirements, it seems as if you are continuing efforts in non-compliance to make me
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believe I should or must pay the unproven debt or if in defiance I might face being sued by your firm. In
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past and I am certain should I do such with your firm as well, whenever I informed or do conversationally
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inform YOUR collector that I was or am in process to start a recording of the totally eradicate of common
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standards and mis behavioristic ,at best descriptions, conversation I was or your collector will hang up or
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hung up on me.Infringing claims that are not testimonial in its indubitable certificate to be adequately
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true, accurate, complete, timely and or compliant to every and one even each any and or all of the
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requisite and obligatory State (mine) and or Federal laws that are applicable,regardless if claimant alleges
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ignorance or is willful in their derelict of the mandates violated.Per my RIGHTS to do so,I demand that
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you adequately ATTEST in lawful composition to every single and one even each any and or all of the
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data,every notation, the dates and balances,calculations and audits,accounting records and assure even the
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documented identities,the required CRSA enacted Metro-2 426-character format fielded P6
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statement(s),at least the minimal five (5) portioned personal identifiers, authentic unabbreviated alpha-/
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numeric-/ and or alphanumeric source code(s),respective corresponding and specific 386 pieces of
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confirmation to collect, any and every particular status code and description,as well as every single and
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one even each any and or all of the facets demanded by my State and or Federal, mentioned or not.Take
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note that the Ignorance of laws is not lawfully vindication nor exoneration from delusive chicanery,acted
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in ignorance or otherwise matters not.To return to or retain required compliance,delete every and one
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even each any and or all of the derogatory remarks today ,even now!I tell you the truth,to this I have made
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myself aware of my rights and what actions I might seek in reactions to being treated as a lame duck and
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or threatened with scandalously deplorable legal actions by your representative or any others, I know to
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know ensure I have quickly a need to contact the United States CONSUMER FINANCIAL
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PROTECTION BUREAU; I know I am in need to ensure that I speak or make notice to understanding of
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the laws and my rights representative who will make certain that I am or have always been forwarded to
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an appropriate leveled authority figure,maybe even just a supervisor who will or each time in the previous
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made clear as it is or was being pointed out that, indeed, YOUR Firm IS REQUIRED BY THE FDCPA
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and the Credit Reporting Bureau Settlement agreement to PROVIDE every single one even each any and
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or all of the FOLLOWING information to any debtor,including myself, that your firm is pursuing,whether
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rightfully so or in denial of laws. Additionally, my extensive researches into this matter have detailed to
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me very assertively that literally any good attorney knowledgeable on credit , finance , and or every and
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one even each any and or all of the consumer rights laws has confirmed to me that most definitely your
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FIRM is compelled by ethics, morality, and even TORT laws precedent to provide this information or
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face a lawsuit to deliver to me adequate monetary justice and satisfaction of remedying annulment of
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every and one even each any and or all of your untruths, inaccuracies, untimely claims, incomplete
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allegations, and or all other unproven mine or not fully compliant reportings :
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</p>
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<p style="font-weight: bold;">
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<span style="font-size: 16;">
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Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, --- F. 3d --- (6th <br/>
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Cir. 2014), 2014 WL 3440174 (6th Cir. Mich. 2014). <br/><br/>
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Please supply the following </span><span style="font-size: 20;"> Requisite Checks for Regulatory <br/>
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Compliance </span> <span style="font-size: 16;"> information in complete detail: <br/>
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</span>
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</p>
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<p style="font-size: 14;text-align: justify;width: 100%;">
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a)Is your firm currently Metro 2 compliant in its credit bureau reporting procedures (if not please provide
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a signed declaration and waiver memorandum you have filed with the credit bureau or credit bureau
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reporting service that details the full process and steps your firm is under taking to become Metro2
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compliant)?<br/><br/>
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b)I would like more information about your firm before I discuss the debt with you. Does your firm have
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a debt collection license from my state? If not, say why not. If so, provide the date of the license, the
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name on the license, the license number, and the name, address and telephone number of the state agency
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issuing the license.<br/><br/>
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c)If you fail to provide any of the information or documentation I have asked for, please say why. If you
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do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or
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document your claims.<br/><br/>
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d)If you are contacting me from a place outside my state, does your firm have a debt collection license
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from that place? If so, provide the date of the license, the name on the license, the license number, and the
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name, address and telephone number of the state agency issuing the license.<br/><br/>
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e)In addition, please provide a COMPLETE (Metro 1 or Metro 2) snapshot of the debt report you have
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provided to the CRA’s (including a full P-segment –trailing segment of the report)?<br/><br/>
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f)Does your firm participate or utilize any type of ACDV (Automated Credit Dispute Verification)
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software or system?<br/><br/>
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g)Provide a SIGNED notice of Compliance with regulatory measures as required by both the CFPB and
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the Credit Bureau Settlement Agreement (signed by your compliance officer, validating this DEBT and
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including the the name, title, and License number for the reviewing officer)?<br/><br/>
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h)As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your
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firm’s process of verification and validation for each disputed credit item (also include the name, title, and
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License number for the reviewing officer)?<br/><br/>
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i)If this debt started with a different creditor, provide the name and address of the original creditor, the
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account number used by that creditor, and the amount owed to that creditor at the time it was transferred.
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When you identify the original creditor, please provide any other name by which I might know them, if
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that is different from the official name. In addition, tell me when the current creditor obtained the debt
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and who the current creditor obtained it from. <<<--->>>If you are asking that I pay a debt that somebody
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else is or was required to pay, identify that person. Provide verification and documentation about why this
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is a debt that I am required to pay.<br/><br/>
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j)The name and address of the creditor to whom the debt is currently owed, the account number used by
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that creditor, and the amount owed.<br/><br/>
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k)Is your firm aware of (Complying with the Credit Bureau Settlement Agreement)?
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l)Does your firm outsource data entry for your collection process (if so please provide the legal name and
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address of that data entry firm)?<br/><br/>
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m)A copy of the last billing statement sent to me by the original creditor.<br/><br/>
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n)If there have been any other changes or adjustments since the last billing statement, please provide full
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verification and documentation of the amount you are trying to collect. Explain how that amount was
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calculated. In addition, explain how the other changes or adjustments are expressly authorized by the
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agreement creating the debt or permitted by law.<br/><br/>
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o)If there have been any payments or other reductions since the last billing statement from the original
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creditor, provide an itemization showing the dates and amount of each of them.<br/><br/>
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p)Why you think I owe the debt, and to whom I owe it, including:<br/><br/>
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q)Provide verification and documentation (retail installment contract etc.) that there is a valid basis for
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claiming that I am required to pay the debt to the current creditor.<br/><br/>
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r)Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me
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when you think the statute of limitations expires for this debt, and how you determined that.<br/><br/>
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s)If there have been any additional interest, fees, or charges added since the last billing statement from the
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original creditor, provide an itemization showing the dates and amount of each added amount. In addition,
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explain how the added interest, fees or other charges are expressly authorized by the agreement creating
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the debt or are permitted by law<br/><br/>
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Through my extensive research of YOUR MANDATED OBLIGATIONS as well as of MY CIVIL and or
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CONSUMER RIGHTS, I have become very educated as I have also learned from previous actions that
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the CFPB supervisor that would undoubtedly inform me that indeed YOUR Firm has at maximum only
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30 days to PRODUCE ALL of the ABOVE noted information. If your firm CANNOT or WILL NOT ,
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inside the federally mandated and defined timely manner, produce adequate compliant PHYSICAL
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PROOF to every single one even each any and or ALL of the above noted items in need of documentation
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(showcasing the FACTS are certifiable in attesting that there is 100% truth, 100% correctness,100%
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completeness, 100% timeliness, and 100% obeyance to regulations as well as every single one even each
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any and or all claims versus me are evidenced in testimony to be exactly mine and of my ownership of
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responsibility , be assured that I will gladly accept your written NOTIFICATION stipulating that your
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firm CANNOT COMPLY with the FDCPA and that as a result of your ineptness you will immediately
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and formally be withdrawing your claim to this/these alleged debt(s) and or derogatory marks or notations
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versus me as is officially being demanded.Should you misunderstand my drive and WILL to gain
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JUSTICE and you vilely elect to choose to ignore this demand,please UNDERSTAND AND EXPECT IN
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CERTAINTY THAT soon after I will pursue a direct course offered under the CREDIT REPORTING
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SETTLEMENT AGREEMENT (aka CRSA)<br/><br/>
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[****FEEL FREE TO REVIEW (as I did) the COMPLETE 41 page pdf as located on the web at<br/><br/>
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<a style="font-weight: bold;" href="https://ag.ny.gov/pdfs/CRA%20Agreement%20Fully%20Executed%203.8.15.pdf">https://ag.ny.gov/pdfs/CRA%20Agreement%20Fully%20Executed%203.8.15.pdf</a>] <br/><br/>
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entered into by the Credit Reporting Agencies (such as is your repository) with the ATTORNEY
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GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION
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and 37 other states that specifically creates empowerment and capacities for national none other than even
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a working group (such as the<span style="font-weight: bold;font-size: 13.5;"> credit reporting working group)</span>to amend in remediation and hold
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culpable,responsible and if need be punitively accountable and or even to sanction data furnishers who
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fail to meet the requirements of the FDCPA and CFPB’s compliance guidance for Professional Debt
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Collection Practices.Do not be wondrous to the fact that certainly in my riposte to your callousness that I
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will NOT pause even momentarily to FILE suit and petition for my own monetary windfall versus your
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axis firm for malicious collection activities(in ignorance or willfulness matters not per statutes) if your
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firm opts not to retort to this VALIDATION demand and its conditions -see<br/>
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</p>
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<p>
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<span style="font-weight: bold;font-size: 16;">
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Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, <br/>
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USCA-02-C-0072, 7th Circuit Court, Sept. 2004. <br/>
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</span>
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</p>
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<p style="font-size: 14;text-align: justify;width: 100%;">
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****again should you care to study the just mentioned juris rendition, please avail yourself opportune to
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become familiar with the determined requisites of you in this matter as I have myself become very
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acquainted and educated to..The link of which I studied in glee was located exactly here...
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http://caselaw.findlaw.com/us-7th-circuit/1033194.html<br/><br/>
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As you likely have ascertained, I am VERY AWARE OF THE FACT THAT You have a MAXIMUM
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OF 30 days from the postmark date of this validation demand to not only answer but ALSO to retain or
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return to 100% compliance to any and every law or statute ,mentioned by me or not even if you are
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ignorant to them..<br/>
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</p>
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<p>
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<span style="font-size: 16;font-weight: bold;">
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In GENUINE SINCERITY,
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</span>
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</p>
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<p>
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<span style="font-size: 14;">
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My One and Only current First and Last name AND Street NUMBER and Street NAME along with my<br/>
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current resident CITY and STATE, ANY OTHER INFORMATION reported I compel you to REMOVE<br/>
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IMMEDIATELY as I do NOT AUTHORIZE you nor any entity to retain nor report ANY NOT REQUISITE<br/>
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REPORTED INFORMATION or Personal Identifiers that are NOT CURRENT:<br/>
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</span>
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<span style="background-color: yellow;">
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__FIRST_NAME__, __LAST_NAME__ __STREET_NO__ __STREET_NAME__, __CITY__, __STATE__<br/>
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</span>
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</p>
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<p>
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<span>Today is:</span><span style="background-color: yellow;">__TODAY__</span><br/><br/>
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</p>
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<p style="font-size: 14;text-align: justify;width: 100%;">
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***NOTE, should you again fail to present to me ,as MANDATED by federal reporting laws and
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the metro 2 format regulations to annul this still unproven potentially untrue, incorrect or else
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wise not physically verifiable valid allegation with proof of irrefutable certificate of testimonial
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affirmation of facts I will have no other option but to assume your ignorance of requisite and
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appropriate reporting mandates is through your undoubted willful disregard of your responsibility
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to dutiful and perfected ethical reporting and undeniable attestations to the 100% certificate of
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compliance in every single one even each any and or all of my state’s standards of reporting
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and equally that of any and all federal standards , whether mentioned or not! I compel you to
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return to lawful reporting and legal standing without any injuries or prejudices to me, now or in
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future! SEND TO ME ABSOLUTE DOCUMENT EVIDENCE of your intent to delete or the
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CERTIFIED EXACTING AUD displaying perfection of your reporting claims I find yet unfounded!<br/>
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</p>
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</div>
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