June 13, 2001 Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123

NotOnYourLi e A!e C"ica#o, $L %ate &e' Acct ( ))))*))))*))))*)))) To +"om $t ,ay Concern' T"is letter is -ein# sent to you in res.onse to a notice sent to me on Se.tem-er 30, 2002/0 Be ad!ised t"at t"is is not a re usal to .ay, -ut a notice sent .ursuant to t"e 1air %e-t Collection 2ractices Act, 13 4SC 1562# Sec0 706 8-/ t"at your claim is dis.uted and !alidation is re9uested0 T"is is NOT a re9uest or :!eri ication; or .roo o my mailin# address, -ut a re9uest or <AL$%AT$ON made .ursuant to t"e a-o!e named Title and Section0 $ res.ect ully re9uest t"at your o ices .ro!ide me =it" com.etent e!idence t"at $ "a!e any le#al o-li#ation to .ay you0 2lease .ro!ide me =it" t"e ollo=in#'

+"at t"e money you say $ o=e is or> ?@.lain and s"o= me "o= you calculated ="at you say $ o=e> 2ro!ide me =it" co.ies o any .a.ers t"at s"o= $ a#reed to .ay ="at you say $ o=e> 2ro!ide a !eri ication or co.y o any Aud#ment i a..lica-le> $denti y t"e ori#inal creditor> 2ro!e t"e Statute o Limitations "as not e@.ired on t"is account S"o= me t"at you are licensed to collect in my state 2ro!ide me =it" your license num-ers and &e#istered A#ent At t"is time $ =ill also in orm you t"at i your o ices "a!e re.orted in!alidated in ormation to any o t"e 3 maAor Credit BureauBs 8?9ui a@, ?@.erian or Trans4nion/ t"is action mi#"t constitute raud under -ot" 1ederal and State La=s0 %ue to t"is act, i any ne#ati!e marC is ound on any o my credit re.orts -y your com.any or t"e com.any t"at you re.resent $ =ill not "esitate in -rin#in# le#al action a#ainst you or t"e ollo=in#' <iolation o t"e 1air Credit &e.ortin# Act <iolation o t"e 1air %e-t Collection 2ractices Act %e amation o C"aracter $ your o ices are a-le to .ro!ide t"e .ro.er documentation as re9uested in t"e ollo=in# %eclaration, $ =ill re9uire at least 30 days to in!esti#ate t"is in ormation and durin# suc" time all collection acti!ity must cease and desist0

Also durin# t"is !alidation .eriod, i any action is taCen ="ic" could -e considered detrimental to any o my credit re.orts, $ =ill consult =it" my le#al counsel or suit0 T"is includes any listin# any in ormation to a credit re.ortin# re.ository t"at could -e inaccurate or in!alidated or !eri yin# an account as accurate ="en in act t"ere is no .ro!ided .roo t"at it is0 $ your o ices ail to res.ond to t"is !alidation re9uest =it"in 30 days rom t"e date o your recei.t, all re erences to t"is account must -e deleted and com.letely remo!ed rom my credit ile and a co.y o suc" deletion re9uest s"all -e sent to me immediately0 $ =ould made -y o ices limited or =it" "a!e no -e done 4S2S0 also liCe to re9uest, in =ritin#, t"at no tele."one contact -e your o ices to my "ome or to my .lace o em.loyment0 $ your attem.t tele."one communication =it" me, includin# -ut not to com.uter #enerated calls and calls or corres.ondence sent to any t"ird .arties, it =ill -e considered "arassment and $ =ill c"oice -ut to ile suit0 All uture communications =it" me ,4ST in =ritin# and sent to t"e address noted in t"is letter -y

$t =ould -e ad!isa-le t"at you assure t"at your records are in order -e ore $ am orced to taCe le#al action0 T"is is an attem.t to correct your records, any in ormation o-tained s"all -e used or t"at .ur.ose0 Best &e#ards, Your Si#nature Your Name