REQUEST TO VALIDATE AND DELETE INACCURATE INFORMATION

Kimberly Denise Miller, Consumer

c/o 3425 Bayside Lakes Blvd, SE
STE 103 # 211
Palm Bay, Florida [32909]

To Daniel Gaudreau d.b.a. Chief Financial Officer ;

Or Senior Supervisor of;
Bridgecrest
P.O. Box 53087
Pheonix AZ , 85072

Re Inaccuracy in furnishings to the Consumer Reporting Agencies

NOTICE TO AGENT IS NOTICE TO PRINCIPAL

NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Dear Mr.Gauddreau or Senior Supervisor, July
20, 2023
On June 27, 2023 I pulled my consumer report and found a few inaccuracies in information that your
agency has furnished to EQUIFX, EXPERIAN, AND TRANSUNION, (which are attached as
exhibits a, b, and c) also a few FCRA violations. There are 3 different furnishings from your agency
which seems to be fraudulent to me.
Be advised this is not a refusal to pay, but a notice sent pursuant to The Fair Credit Practices Act, 15
USC 1692g stating your claim is disputed and validation is requested.

b)DISPUTED DEBTS
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 the debt or a 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. Collection activities and communications that
do not otherwise violate this subchapter may continue during the 30-day period
referred to in subsection (a) unless the consumer has notified the debt collector in
writing that the debt, or any portion of the debt, is disputed or that
the consumer requests the name and address of the original creditor. Any
collection activities and communication during the 30-day period may not
overshadow or be inconsistent with the disclosure of the consumer’s right to
dispute the debt or request the name and address of the original creditor.
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
restfully request your offices provide me with the 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 three major Consumer Reporting Agencies this action
may constitute fraud under both Federal and State Laws. Due to this fact, if any
mark is found on any of my Consumer Reports by your company or the company
you represent, I will not hesitate to bring legal action against you and your company
for the following: Violation of the Fair Credit Reporting Act, 0.
Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Exhibit A was furnished by Bridgecrest to EXPERIAN states that the status of this account. Is
REPOSSION AND Written off. AS OF NOVEMBER 2022 AND CHARGED OFF AS OF MAY
2022 . Exhibit B is to EQUIFAX you furnished that as of JUNE, 2022 it was A CHARGE OFF
AND INVOLUNTARY REPOSSESION AS OF NOVEMBER 2022 Exhibit C is TransUnion you
FURNISHED REPOSESSION AS OF November 2022. IT CLEARLY STATES IN THE I.R.S.
2022 PUBLICATIONS THAT YOU MUST File a 1099C and SEND ME A COPY OF THE 1099 C
BEFORE JANUARY 31,2023 TO FILE ON MY 1040 AFTER YOU CHARGED OFF IN MAY
2022. I did not receive one. THUS BECOMING INCOME IT SHOULD NOT HAVE BEEN
FURNISHED TO THE CONSUMER REPORTING AGENCIES. THIS IS ALSO SAID TO BE
WRITTEN OFF WHICH MEANS IT WAS SATISFIED YET STILL YOU ARE FURNISHING
THIS INACCURATE INFORMATION ILLEGALY. 15 USC 1681 E

(b)ACCURACY OF REPORT

Whenever a consumer reporting agency prepares a consumer report it shall follow

reasonable procedures to assure maximum possible accuracy of the information
concerning the individual about whom the report relates.

1)IN GENERAL.—The term “consumer report” means any written, oral, or other
communication of any information by a consumer reporting agency bearing on
a consumer’s credit worthiness, credit standing, credit capacity, character, general
reputation, personal characteristics, or mode of living which is used or expected to
be used or collected in whole or in part for the purpose of serving as a factor in
establishing the consumer’s eligibility for—
(A)
credit or insurance to be used primarily for personal, family, or household
purposes;
(B)
employment purposes; or
(C)
any other purpose authorized under section 1681b of this title.

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. Also, during this validation period, if any action is
taken which could be considered detrimental to any of my consumer reports, I will consult with a
legal counsel for suit. This includes any listing of any information to a consumer reporting
repository that could be inaccurate or invalidated.
If your office fails to respond to the validation request within 14 days from the date of your
receipt, all references to this account must be deleted and completely removed from my
consumer file and a copy of such deletion request shall be sent to me immediately at the
address below.
KIMBERLY DENISE MILLER
LAST FOUR OF SS# 3894 sincerely,
05/28/1969
C/O 3425 BAYSIDE LAKES BLVD STE 103 3 211
PALM BAY, FLORIDA [32909]
WITNESS 1 WITNESS 2