February 17, 2013 ******************** ******************** ******************* ******* ********@gmail.com LVNV Funding LLC P.o.

Box 10497 Greenville, SC 29603

Visions Financial Corp. P.o. Box 460260 St. Louis, MO 63146-7260 Re: Account Number: *************** Visions Account Number: ********* This is a notice that I am disputing your claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g(b). Pursuant to the FDCPA, you must (a) provide the requested validation before continuing collection activity, or (b) stop all collection activity.

Please provide me with any and all (if any) evidence that I have a legal obligation to pay you, including, but not limited to:

All information in this transmission is intended for the purpose of Debt Validation and intended only for the recipients referenced above. 1st response mailed 2/10/2013 2nd response mailed 2/17/2013

 What the debt you say I owe was for ; A calculation of all amounts you say I owe; Copies of any documents showing that I agreed to pay what you say I owe; A copy of any judgment against me, if you have one; Proof that the statute of limitations has not expired; and Evidence that you are licensed to collect debts in California. Until you have provided the above evidence to validate the debt, you may not continue collection activity. Once you provide the requested documentation, I will require 30 days to investigate the information.

During this time, you must cease collection activity. Do not report negative information to the credit bureaus during this validation period. If your office does not respond to this validation request within 30 days, all references to this account must be deleted from my credit reports and completely removed from my credit file. Send a copy of any such deletion request to me.

Let this letter also serve as your warning that I utilize a telephone recording devices for all incoming calls in order to document any telephone conversations that we may have for my safety and to use in any future court cases.

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All information in this transmission is intended for the purpose of Debt Validation and intended only for the recipients referenced above. 1st response mailed 2/10/2013 2nd response mailed 2/17/2013

cc: LVNV FUNDING LLC

All information in this transmission is intended for the purpose of Debt Validation and intended only for the recipients referenced above. 1st response mailed 2/10/2013 2nd response mailed 2/17/2013