Product: Debt collection

Debt Validation Pursuant to 12 CFR 1006.34C Be Advised this is a refusal to pay, and notice to cease and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices to provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer Reporting Agencies ( XXXX, XXXX, or XXXX )

this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested pursuant 12CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The following information thats being requested to validate this alleged debt is, Name and address of Alleged creditor Name on file of alleged debtor Alleged Account # Address on file for alleged debtor Amount of alleged debt Date this alleged became payable Date of original charge off or delinquency Was this debt assigned to a debt collector or purchased? Amount Paid if debt was purchased Commission for debt if collection efforts are successful. Agreement with your client that grants ( LVNV FUNDING LLC ) the authority to collect this alleged debt Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor All statements while this account was open Have any insurance claims been made by any creditor regarding this account? Have any Judgements been obtained by any creditor regarding this account? Please provide me the Name, Phone Number and
address of the bonding agent for LVNV FUNDING LLC,

in case legal action becomes necessary. Your Claim can not and WILL NOT be considered if any portion of this letter is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.