To Whom It May Concern:
This letter is being sent to you in response to your letter dated May 6, 2009 from XXXXXXXX. As I stated on my previous letter to you, I requested Validation of the debt. Two pages with pure text is something I can generate myself in less than 5 minutes. I do not consider what you sent as a validation of the debt. The burden is on you to demonstrate the debt is mine, and in my opinion you have failed to do so. Regardless, I am willing to offer full payment for deletion ($104.66) of this tradeline off of my credit reports.
I offer this with the knowledge you are NOT surety bonded in the State of Texas with the Office of the Secretary of State as required by law (Texas Finance Code Sec. 392.101. Violation of this specific subsection carries civil remedies of monies and punitive damages to be paid to me. You are in violation of Texas Finance code Sec. 392.101.) I notified you of this responsibility you have with regards to surety bond in my previous letter. This offer of payment for deletion is good for 72 hours after receipt of this certified letter. If after the 72 hour time period, I will file complaints with the Texas Attorney General, FTC and BBB. I will also initiate court action to recover monetary damages incurred from this tradeline that is illegally being sought after in the State of Texas. I can claim up to 10,000 for punitive damages.
Be advised that offering this is not an admittance to being responsible for the debt, I still consider it not validated. This is only done for expedience in removing this item from my credit reports. If you agree to the terms stated above, full payment for deletion, I will forward the payment to you via Certified Check within 48 hours after receipt of a letter stating that you accept the following:
• After payment is made, full deletion from all credit reports will be enacted immediately and without fail.
• I will also receive a letter from you stating that the debt is settled in full, the matter is closed and full deletion from all credit reporting agencies has been performed.
If the time period stated (72 hours) passes with no answer, I will begin the process to recoup damages, file with the Texas Attorney General, FTC and Better Business Bureau. To better give you access to contact me in a timely manner, I have included my email address below my name. I ask nothing more than common sense. I can recoup 100 times what is owed and you are already in violation of the above referenced section. I prefer to reach a amicable settlement as stated above. It is a win-win situation for all involved though only I have had to suffer any negative consequences……..so far.
PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
Message Edited by Integrator on 05-17-2009 10:28 AM
Message Edited by Integrator on 05-17-2009 10:31 AM
