(FULL NAME) WRITE THE CERTIFIED MAIL # HERE

(ADDRESS)
(CITY, STATE & ZIP)

(CRA/CA/CREDITOR)
(ADDRESS)
(CITY, STATE & ZIP)

DATE: ACCOUNT #: (IF APPLICABLE)

Dear (Name of President) or To Whom It May Concern,

I am in receipt of your letter dated (date), which continues to allege you are a
person entitled to enforce a commercial claim against me. You are mistaken in your
assumption that I was invoking consumer protection rights under the Fair Debt Collection
Practices Act and the Fair Credit Reporting Act. My letter clearly stated it was not a
request for validation; instead a question of contract between two parties: you and me.
None of the documents you have provided substantiate we have a contract or that I am
obligated to contract with you.

In good faith I will give you 21 days (from the day you receive this notice) to
substantiate your presumption. Your failure to respond and provide strict proof of
contract will constitute your tactic agreement that I have no contractual obligation with
you and that I have no obligation to assent to contract with you.

In addition, your failure to cease collection activity thereafter (which includes

derogatory reporting to the credit bureaus) will also constitute your tactic agreement that
you are knowingly and willfully attempting to collect a debt you have no lawful claim to.
This is also known as fraud. Act accordingly or you will hear from my attorney.

Sincerely,

(Your Name)