Product: Vehicle loan or lease

DEBT VALIDATION LETTER Notice to the agent is notice to the principal, notice to the principal is notice to the agent ; UCC 1-202 To : BRIDGECREST XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XXXX XXXX This letter is being sent to you in response to account number XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
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 demand your offices provide me with competent evidence that I have any legal obligation to pay you as well as clarification as to which medium of exchange or lawful considerations is being requested as payment. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( 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 that 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 in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist ( estop ). Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, said action will be grounds for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 10 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. 
CEASE AND DESIST It is also stated that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It is also demanded that all garnishes and wage deductions for Insert name cease until this alleged debt can be verified and validated. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action in Federal Court for fraud, estate embezzlement, depravation of rights under color of law, human rights violations, constitutional law violations, inter alia. 
Sincerely, XXXX XXXX CREDITOR/DEBT COLLECTOR DECLARATION Provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 
1. Name and Address of Alleged Creditor. 
2. Name and Address on File of Alleged Debtor. 
3. Alleged Account Number #. 
4. Clarify in writing if the amount transferred into the account of the alleged debtor was made in lawful money or promissory notes. 
5. Amount of Alleged Debt. 
6. Date ( that this alleged debt became payable ). 
7. Date of Original Charge or Delinquency. 
8. Was this Debt assigned to a Debt Collector or Purchased? 
9. Amount Paid if Debt was Purchased. 
10. Clarify in writing which laws, if any, govern the alleged loan or promissory agreement. 
11. Produce a certified copy of the original note or promissory note consisting of the wet ink signature of both the debtor and creditor. 
12. Clarify wither or not you or your agency is asking for gold or silver coin as payment of this alleged debt or Private commercial paper ( Federal Reserve Notes ) 13. Banking transactions, or a check from the lender / creditor with the borrower 's receipt of the face amount of the note. 
Attach copies of the following : Agreement with your client that grants BRIDGECREST 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 they agreed to pay the Creditor. 
All statements while this account was open. 
Banking transactions, or a check from the lender / creditor with the borrower 's receipt of the face amount of the note. 
Whether or not the amount in dispute is insured by a state or federal agency. 
Whether or not a claim was made by said insurance agency and if the alleged creditor has received payment by said insurance agency. 
If the debt was sold, how much was it sold for, along with proof of sale and the contact information of the seller and buyer. 
Additionally, provide the name and address of the bonding agent for BRIDGECREST in case legal action becomes necessary : This is my Good Faith attempt to clear up any misrepresentations or confusion concerning this matter, before taking any further actions. 
Signature All rights reserved and retained with prejudice. 
Date : XX/XX/2023 You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 10 days from the date of your receipt of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a lawful and legal demand for debt validation made pursuant to the Fair Debt Collection Practices Act. 
Allow 10 days for processing after I receive this information. 
Sincerely, XXXX XXXX