LEXISNEXIS

2019-08-26

Glendale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-25

Indianapolis, IN

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2019-08-24

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-24

Coral Springs, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-24

Ehrhardt, SC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: I have tried to resolve this matter with LexisNexis for several months by utilizing the dispute method and guidelines established within 15 U.S.C. section 1681, the Fair Credit Reporting Act ( FCRA ). Obviously, my request, rights and guidelines established under the FCRA continue to be ignored and violated by LexisNexis. Ive submitted several disputes to LexisNexis regarding eleven ( 11 ) accounts/items found within my LexisNexis credit report and requested LexisNexis to produce verifiable proof and the method of verification utilized to verify such negative remarks. This process started on XX/XX/2019 upon the delivery of the first certified letter by the USPS. Several months and letters later, I have not received any of the information requested or the results of their investigation. Moreover, LexisNexis continue to utilize stalling techniques to avoid complying with FCRA guidelines and circumvent the completion of their required investigation in accordance with section 611 of the FCRA. Furthermore, LexisNexis continues trying to place the burden of their required reasonable investigation on other Consumer Reporting Agencies ( CRAs ). As evidenced by the enclosed LexisNexis letters dated XX/XX/XXXX and XX/XX/2019, LexisNexis established their dependency on fellow CRAs ( XXXX, LexisNexis and XXXX ) to provide them with information on disputed items I did not authorize LexisNexis to dispute with such CRAs. To my knowledge, LexisNexis is an independent CRA who engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. Their separation and independence from any other CRA makes LexisNexis a binding CRA under the FCRA. Therefore, they must follow and obey the guidelines established within the FCRA. Recently I received a letter from LexisNexis dated XX/XX/2019 in which they stated of having to initiate disputes on my behalf with LexisNexis. This letter is a carbon copy of one of their previous response letter dated XX/XX/2019 ( see attached ). Moreover, within my first dispute letter dated XX/XX/2019, I provided LexisNexis with a copy of my drivers license, a copy of my social security card, and a copy my LexisNexis credit report highlighting the items being disputed. Despite proper identification and authentication of my personal information, LexisNexis continues to utilize stalling tactics and techniques while stating they are unable to process my request, as they were unable to authenticate me with the information I provided. This blatant shameful stalling technique is evidenced by the enclosed LexisNexis letter dated XX/XX/2019. The disputed items have been addressed to LexisNexis on multiple occasions as evidenced by the several enclosed XXXX certified mail receipts. However, LexisNexis has FAILED miserably to fulfill such request, therefore evidencing a FAILED fulfillment of a reasonable investigation or FCRA requirements pursuant section 607 ( b ). If the disputed accounts can not be verified by LexisNexis, more less validated, such accounts much be promptly deleted from my credit report pursuant section 611 ( a ) ( 5 ) ( A ). Pursuant section 611 ( a ) ( 6 ) ( B ), I have requested LexisNexis to validate the disputed accounts/items on at least seven ( 7 ) occasions through USPS certified mail letters ( see enclosed ). The FCRA, section 611 ( a ) ( 7 ) requires for LexisNexis to provide such validation/information not later than 15 days after receiving a request from the consumer for that description. However, since my fist dispute letter dated XX/XX/2019, the requested information has not been provided by LexisNexis, clearly violating section 611 ( a ) ( 6 ) ( B ), section 611 ( a ) ( 7 ) and LexisNexis roles, duties and responsibilities as a CRA under the FCRA guidelines. Furthermore, LexisNexis continues to ignore my consumer requests in accordance with the FCRA and negligently and willfully do not pursue its own required independent investigation. Therefore, due to the obvious and continued violations to my consumer rights under the FCRA, the disputed items MUST be DELETED IMMEDIATELY from my LexisNexis credit report in accordance with section 611 ( a ) ( 5 ) ( A ). In conclusion, if LexisNexis is unable to conduct an independent investigation to verify the disputed accounts and ensure the validity of the debt, the honesty/integrity of the creditor in question, and provide a copy of the information requested for each account, the disputed accounts MUST be DELETED IMMEDIATELY from my LexisNexis credit report and file.
Company Response: Closed with explanation

Timely Response

2019-08-24

Houston, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-24

Woodland Hills, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-23

Atlanta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have contacted this company through certified letters in XXXX of 2019. I have also contacted them on the phone and through mail. I haven't receive anything showing me a dispute or anything in that nature. By law i was suppose to receive something as early as 30 days after the first letter was sent in XXXX of 2019. I am sending this letter as of my final attempt to fairly allow you to do your job and kindly remove the errors that are reporting on my credit report. I've mentioned that i am a victim of identity theft. My information was also leaked in several breaches over the years but a recent one a few weeks in XXXX of 2019. Since it comes to my attention that you aren't responding maybe we should settle in court, which will work for me and i won't be wasting my time. I complied the evidence and paper work during the time when i sent in my letters and more. This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2019 XXXX XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant 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 Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim XXXX XXXX the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III XXXX XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim Ernie Samuel 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX XXXX of XXXX, 2019 by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XXXX day of XXXX, 2019. By : XXXX ERRONEOUS/IDENTITY THEFT/ : XXXX - XXXX - LEXIS NEXIS 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. DEPT OF ED/XXXX # XXXX XXXX. 5. XXXX XXXX # XXXX 6. DEPT OF ED/XXXX # XXXX 7. DEPT OF ED/XXXX # XXXX 8. DEPT OF ED/XXXX # XXXX 9. DEPT OF ED/XXXX # XXXX 10. DEPT OF ED/XXXX # XXXX 11. DEPT OF ED/XXXX # XXXX 12. DEPT OF ED/XXXX # XXXX 13. INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-23

Atlanta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( DF793 ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant 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 Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/2019. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 2. XXXX 3. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Incorrect Address : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXX. 12. XXXX XXXX XXXX XXXX XXXX XXXX. 13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-22

Stockbridge, GA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2019-08-22

Chesapeake, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-21

Irving, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-21

GA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: Called the third party bureau and was told that I dont have an security freeze and Im still getting decline by banks and other creditors.
Company Response: Closed with explanation

Timely Response

2019-08-20

Atlanta Naval Air Station, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-20

Stockbridge, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-20

Richmond, IN

Problem with a company's investigation into an existing issue

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-20

WV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Complaint: My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXXXXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Company Response: Closed with explanation

Timely Response

2019-08-20

Dawsonville, GA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2019-08-20

Norfolk, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-19

Lawrenceville, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-19

Randolph, AL

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Company Response: Closed with explanation

Timely Response

2019-08-19

Rochester, NY

Unable to get your credit report or credit score

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2019-08-18

Galena, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX XXXX XXXX XXXX XXXXohio XXXX
Company Response: Closed with explanation

Timely Response

2019-08-18

New Orleans, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-18

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXX.XXXX.XXXX.XXXX.XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXXXXXX(XXXX) XXXXXXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX
Company Response: Closed with explanation

Timely Response