Tuesday, January 1, 2005

Attn: CREDIT CARD COMPANY

RE: John Q. Consumer, 555544443333222

I John Q. Consumer, residing at 12345 Main Street , Any City , U.S.A being duly sworn to
law, and under penalty of perjury, make the following statements to your company regarding the above captioned
account.

• I am requesting proper documentation of this account’s existence and actual ownership.

• PLEASE NOTE; that proper documentation is NOT a print out or bill from your company. See FTC.gov
“staff attorney opinion” findings for details. Please do not waste my time or yours by sending back a print
out, but rather a copy of the original contract that was signed by the me John Q. Consumer (the alleged
debtor) at the time the account was opened. This contract will be accepted as actual proof of the debt’s
existence.

• If you cannot produce such proof I’m demanding that you immediately stop reporting this damaging
undocumented account to the credit bureaus.

• If you choose continue to report this account to the credit bureaus even after you have failed to provide
proper proof of origin and ownership then I reserve the right to file a suit against you for FCRA violations
in my court’s venue. You will have to travel to defend yourself in that scenario.

• Please also be advised that this request is an official Validation Of Debt Request and not a “verification of
address” request. Proper proof of said debt is required. Please understand as well that under the FCRA any
“furnisher of information” must put the account rating on hold while the debt is being investigated.
Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages
collected from you.

• My social security number is 123-45-6789

• My daytime phone number is (555)123-4567

• For the last 10 years I have resided at:

• 9876 Main Street, Any City , U.S.A 12345 From: 1/95 To: 1/05

• 1234 Main Street, Any City , U.S.A From: 1/05 To: Present

Failure to handler this matter in a timely matter will force me to also file a formal complaint against your
company with the Attorney General’s office in my state and your state of operation.

Thank You

John Q. consumer

Signature Date

STATE OF _______________ COUNTY OF ___________________________________________

I, ______________________________________________________________do hereby certify that

_______________________________________________________________ Whose name is signed to

the writing here to annexed has acknowledge the same before me in my said county on the day of

__________________, ______________

My commission expires___________________