Dear Sirs:This letter is
lawful notification to you in response to your answer to my previous request for validation of this supposed debt. You have failed to supply the documentation I have asked for;Ref. UCC 2-609.On 4/20/2012, I directed a letter to you demanding that you specifically provide lawful bona fide proof of your alleged claim in this instant matter and to present this proof by lawfully designated means.(seeattached).

Instead of providing lawful presentation and lawful proof of a bona fide claim in this matter, you responded by sending an irrelevant and invalid response which I received on 5/9/2012.(see
attached)Pursuant to YOUR response, you failed to provide the necessary valid and lawful proof in order to validate your claim as outlined in my original letter. This includes, but is not limited to the following:1)
A certified copy of the original signed contract between myself, the
living being, andJP MORGAN CHASE.A computer generated info/data sheet does not qualify as a contract under the law. This isnot
validation of anything other than someone You claimed in your correspondence that a contract exists. Where is it? Be aware that ifthis should result in court action your production of said contract will be ordered by the court.

Lawful presentation of the accounting specifically detailing the activity regarding the aforementioned alleged contract presented via signed and sworn affidavit by an agent/employee of your entity that has direct experience and knowledge of said alleged account and the accounting; Computer generated statements do not qualify as a detailed accounting; ref.
UCC 9-210.

3)
Any other information and/or supporting documentation regarding JP MORGAN CHASE lawfully proving that JP MORGAN CHASE has supporting documentation.No other supporting information or documentation was included.Therefore, because JP MORGAN CHASE has refused and/or failed to provide a
lawful and proper response as required and requested in order to be
compliant with due process of law, JP MORGAN CHASE has acquiesced and agreed to the fact that they do not have proof of a bona fide claim,
therefore, JP MORGAN CHASE claim has no lawful and valid standing.

If you disagree with anything in this letter, then rebut that with which you disagree, in writing, with particularity, to me, within the 30 days given in my prior request for validation letter, and support your
disagreement with evidence, fact and law. Your failure to respond, as stipulated, is your agreement with and admission to the fact that everything in this letter is true, correct, legal, lawful, and is
your irrevocable agreement attesting to this, fully binding upon you, in any court in America, without your protest or objection or that of those who represent you.

Your silence is
your acquiescence. See:Connally v.
General Construction Co., 269 U.S.
385, 391. Notification of legal responsibility is the first essential of due process of law.Also, see:U.S.
v. Tweel, 550 F. 2d. 297. can only be equated with fraud where there is a legal or moral duty
to speak or where an inquiry left unanswered would be intentionally
misleading.All Rights
Reserved,(my name)

June 8, 2010

CLAIMANT/LIBELANT:Tien Pham McKinnonPMB: 25323016 Lake Forest Suite A,Laguna Hills, Ca 92653Non-Domestic, Without the U.S.

RESPONDENT/LIBELEE:Vikram Pandit, and/or his successor, individually,and in his official capacity as Chief Executive Officer,Citimortgage, Inc. hereinafter BANK, LENDER399 Park AvenueNew York, NY 10022Registered Mail Return Receipt RC046799352US

ACTUAL AND CONSTRUCTIVE NOTICENOTICE OF INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTYab initio ADMINISTRATIVE REMEDY[28 U.S.C. 1333, 1337, 2461 and 2463]NOTICE OF TORT CLAIM, AFFIDAVIT OF SPECIFIC NEGATIVE AVERMENT AND DEMAND FOR PROOF OF CLAIM WITH OPPORTUNITY TO CUREAND ASSESSMENT FOR DAMAGES

Private Administrative Remedy Request for Proof of Claim In The Nature of DiscoveryFor Tien Pham McKinnon - Account #0770807411Silence is Acquiescence, Agreement, and DishonorThis is a self-executing contract in AdmiraltyNotice to Agent is Notice to Principal * Notice to Principal is Notice to Agent.NOTICE: THIS DOCUMENT IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS. IT IS FOR THE PURPOSES OF OBTAINING LAWFUL REMEDY AS IS PROVIDED BY LAW.The following document is an administrative procedure, within the admiralty. This document is tendered for the purpose of remedy and relief of the fraudulent claim(s) that you have stated against the above named referenced Secured Party Creditor and Claimant-Libelant, Tien Pham Mckinnon. IfVIKRAM PANDIT, CEOhas lawful proof of claim against the above named Claimant, it must be submitted according to the terms and conditions contained herein in order to cure your dishonor in commerce.Dear Mr. Pandit:I have made numerous attempts to resolve this issue with Citimortgage, Inc. concerning the real property located at1623 Alberhill St, Perris, Ca 92571.I would like to resolve this matter as soon as possible. As a result, I, Claimant and Libellant am initiating this Private-Administrative Process Remedy in the nature of discovery, to determine if such matters or controversy exist in this transaction and to determine whether you, Respondents or others within your venue did or did not commit, including but not limited to constitutional impermissible application of the statute(s) or law(s) in this matter.In the State of California/STATE OF CALIFORNIA, the liability of a bank for wrongful dishonor is classified as a tort action.In addition to a tort action for wrongful dishonor, Claimant/Libellant will bring a tort action against the Respondents for: including, but not limited to, fraud, dishonor in commerce, conspiracy to defraud, denial of right to beneficial enjoyment,racketeering, collusion, etc. Should the one who assists Claimant(s), and anyone who is authorized to assist Claimant(s) be an attorney, Respondent(s) bear(s) the responsibility of compensating Claimant(s) for attorneys fees and litigation expenses. See e.g. 11 Am Jur 2d950-951 BANKS AND FINANCIAL INSTITUTIONS.NOTICE: The Claimant(s) conditionally accept for value Respondent(s) silence, inaction, failure and/or refusal to credit Tien Pham McKinnons account for $412,000.00 included any/all arrears predicated upon proof(s) of claim of the following stipulations as enumerated below:(1) That the alleged lender CITIMORTGAGE, INC., hereinafter LENDER, loaned alleged borrower TIEN PHAM MCKINNON, hereinafter BORROWER, LENDERs own funds to finance the real property located at 1623 Alberhill St, Perris, Ca 92571, hereinafter PROPERTY, as reflected on the face of BORROWERs promise to repay, hereinafter NOTE; and(2) That BORROWER received a loan prior to the date the NOTE was signed, as the face of the NOTE unequivocally asserts by the language in return for a loan that I have received; and(3) That LENDER did not receive BORROWERs signed NOTE as an asset and participate in the monetization of BORROWERs signature and creation of a liability in the form of a demand deposit credited to a transaction account which was used to finance the PROPERTY, thereby completing the transaction between LENDER and BORROWER; and(4) That BORROWER was not the actual source of the commercial energy used to create the funds to finance the PROPERTY secured by the Deed of Trust, Instrument No.2006-0629802 dated August 17, 2006 and recorded on or about August 25, 2006 in the official records in the office of County Recorder of Riverside County, California, hereinafter DEED OF TRUST; and(5) That LENDER did not commit fraud by alleging to be the source of funds for the financing of the PROPERTY, thereby making the terms of the corresponding NOTE and DEED OF TRUST null and void; and(6) That LENDER did not commit fraud in its participation in the securitization of the NOTE, thereby vitiating the NOTE and DEED OF TRUST.AFFIDAVIT OF SPECIFIC NEGATIVE AVERMENTAS TO COUNT ONE:I demand that VIKRAM PANDIT, CEO AND CITIMORTGAGE, INC., provide me with the genuine, original, wet ink signature of the complete promissory note for my inspection to determine if they have lawful proof of their alleged claim. I believe that the note for the property located at 1623 Alberhill St, Perris, Ca 92571 has been sold and credit was not given to my account. As you should know the law requires lawfully documented proof of claim when it is demanded. I believe there is no proof to the contrary. Attempting to enforce an unlawful claim is theft, fraud, conspiracy, racketeering, collusion, abuse of power, dishonor in commerce, failure to uphold oath of office. If an adequate response is not received to this request, Respondent(s) agree and consent that they do not have the genuine, original, wet ink signature complete promissory note, by Tacit Procuration.AS TO COUNT TWO:I am demanding VIKRAM PANDIT, CEO and CITIMORTGAGE, INC. provide me with a full Statement of Accounting pursuant to UCC 9-210 andto stipulatethat they are the Creditor, and holder-in-due-course of the Note. I believe that the note has been sold and credit was not given to my account. As you should know the law requires lawfully documented proof of claim when it is demanded. I believe there is no evidence to the contrary. Attempting to enforce an unlawful claim is theft, fraud, conspiracy, racketeering, collusion, etc and further, if no answer is provided to this Proof of Claim, Respondent(s) agree and consent that they are not the Creditor nor holder-in-due-course, by Tacit Procuration.You, my purported lending institution, successor in ownership, and/or loan servicer have committed acts of fraud upon me, and the public in general, and are the single cause of this paradox and absent YOU stating the claim asCREDITOR or true representative of the CREDITORcannot claim a debt or collection thereof.MY ALLEGATIONS and/or CLAIMS:1. I am the CREDITOR in this matter.2. YOU are the DEBTOR in this matter.3. YOU are not theCREDITOR, or an ASSIGNEE of the CREDITOR, inthis instant matter.4. I am NOT the DEBTOR in this matter.5. YOU are not theReal Party in Interest inthis instant matter.6. YOU and/or any of YOU did NOT put their assets at risk in this instant matter.7. YOU and/or any of YOU may have only lent debt/credit in this instant matter.8. YOU and/or any of YOU co-mingle definitions to confuse and/or mislead the Borrower in addressing the distinct products of a mortgage. Specifically the two separate documents are MORTGAGE and NOTE. Some references refer to the MORTGAGE as Mortgage, Mortgage Agreement, Agreement, Mortgage Contract, Deed of Trust, Security Deed and Contract herein Affiant refers to the MORTGAGE as Mortgage or Contract. The NOTE is referred to as Note, Mortgage Note, Deed of Trust Note, and Promissory Note, herein the Affiant refers to the NOTE as Note or Promissory Note.9. YOU and/or any of YOU purposely destroyed the GENUINE ORIGINAL NOTEto securitize a new and Fraudulent NOTE.10. YOU and/or any of YOU are calling theNOTE,PROMISSORY NOTE, and/or DEED OF TRUST NOTEaNOTEwhen in reality theNOTE is a security by true definition (See15 U.S.C. 78c 10).11. YOU and/or any of YOU as such, are buying, selling and/or tradingNOTEs asfraudulent securities.12. YOU and/or any of YOU use legalese in the mortgage documents as a means of stripping the Borrowers right to defense, converting Real Property from its true owner to YOU and/or any of YOU and such is a criminal act of conversion through fraudulent means and, therefore, the mortgage documents are evidence of a criminal act(s) and cannot be used as such, used by the YOU in this instant matter.(See: Blacks Law Dictionary 6thEd. Understand)13. The United States has a primary mortgage Right and/or status on the real property in question and such CANNOT be circumvented by YOU and/or any of YOU in fraudulent and unlawful mortgage process and documents.14. YOU and/or any of YOU have been paid in full for the contract in question.15. YOU and/or any of YOU will fail to join all indispensable parties as such joinder would beprima facieevidence of YOU and/or any of YOU fraudulent acts of securitizing the NOTE.16. YOU and/or any of YOU are involved in the securitization of the Promissory Note and are indispensable parties to this action and MUST be joined as one in any rebuttal, response, reply, answer, and/or the like by YOU or any of YOU.17. YOU and/or any of YOU are using a corporate entity and/or TRUST in furtherance of fraudulent act(s).17. YOU and/or any of YOU have no immunity for their fraudulent act(s).18. YOU and/or any of YOU are joint and several responsible for ALL of my losses, cost fees, and/or damages;including without limitations, emotional damages, punitive damages, inclusive of but not limited to: alienation of affection from: spouse, boy and/or girl friend, friends, children, pets, co-worker(s), client(s), customer(s), and any and all other parties effected directly and or indirectly and/or collaterally even if caused by my inability to deal emotionally with the financial issues; as said issues are and have been caused by YOU and/or any of YOU committing fraudulent act(s).I allege through deceptive practice and without full disclosure the Mortgage agreement, Deed of Trust, and or note have deceptive meaning clauses likecognovit note, waive the rights of presentment, confession of judgment, waiver of presentment, and/or other Granting Clauses that give power of sale without the right to rebutto any multiple number of banks and/or mortgage companies and as such are failure to disclose. These words of art legalese hereafter referred to as"cognovit,"are fraudulently being used to block my right to protest in the courts or back door non-judicial judgment to assert, presume, and/or prove that my right to rebut and/or litigate is waived. This was not fully disclosedand as such is a violation ofTheTruth In Lending Act15U.S.C.1601,Privacy ActTitle 5U.S.C.552(b)(4),and Title 12U.S.C. 2605and therefore, makes ANY waiver of my ability to dispute a foreclosure void.See:D. H. Overmyer Co. Inc., of Ohio Et al., v. Frick Co., 405 U.S. 174 (1972).,OPPORTUNITY TO CUREVIKRAM PANDIT, CEO / CITIMORTGAGE, INC. will have 21 calendar days to cure their dishonor in commerce by complying with one of the following terms and conditions. Herein Fail Not.1. Provide lawful proof of claim by presenting to me lawful document/s that show that you have the lawful authority to enforce the note, are the holder in due course, right party in interest and the creditor by responding point-by-point under full commercial liability, sworn under penalty of perjury as requested herein to the above allegations and negative averments, according to the terms as indicated herein, OR,2. Pay the total amount of damages as indicated in the counterclaim herein, OR3. Surrender all public hazard bonds, corporate bonds, blanket bonds, insurance policies, CAFR funds, 401-k(s), 801k(s), retirement funds, personal wealth and properties, or any other source of revenue as needed to cure your dishonor in commerce and submit to the authorities for criminal prosecution, OR4. Remit original note and deed of trust, fully executed original Deed of Full Reconveyance, return all monies received from Claimant during the life of the loan, cease and desist from all actions in this matter, and dismiss all claims against Tien Pham McKinnon, with prejudice.4. Your failure to comply and cure your dishonor by answering all of the negative averments, point by point, contained herein within 21 days will be default. Failure to provide lawfully documented evidence that is certified lawful, true, and correct by notarized affidavit of VIKRAM PANDIT that is signed under penalties of the law including perjury will be default. Partial or incomplete answers of any or all counts, according to the terms in the opportunity to cure, will be default. Default will be complete agreement with all of the terms, provisions, and conditions of this contract. This is a contract in admiralty. Default by any of the above terms, provisions, and conditions will be a self-executing confession of judgment by all parties, named or unnamed. Anyone who interferes or involves him/herself with this claim will be joined to this claim and will be jointly and severally liable for all terms, provisions, conditions, and damages as indicated in this contract.The Claimants respectfully request that you, Respondents, reply within the allotted time to the Claimant and the Attesting Witnesss address below:Ana Mena, Attesting Witness1082 Fernleaf AvenueCorona, CA 92881

NON-RESPONSE IS A SELF-EXECUTING POWER OF ATTORNEY TO BE TAKEN INTO BANKRUPTCY LIQUIDATION WHEREBY ALL THE EQUITY IN THE NAME OF LIBELEES/RESPONDENTS WILL BE DISPOSED OF TO SATISFY SAID JUDGMENT.

ASSESSMENT FOR DAMAGESThe following damages will be assessed against you if and when you fail to cure you dishonor in commerce, within 21 calendar days, as is stated in the Opportunity to Cure.A non-response and/or failure to provide Proofs of Claim, within the time allotted, i.e. twenty one (21) days, shall constitute agreement, stipulation and confession by you, Respondents, Principals and Agents, of the stipulated answers enumerated above, plus $1,000,000.00 for each count, each violation, and other fees and costs to be determined solely by Claimant.. In the event, Respondent(s) is/are unable or unwilling to meet this request the following damages will be assessed against you if and when you fail to cure your dishonor in commerce within the stated time or until these requirements havebeen met and executed pursuant to this NOTICE OF TORT CLAIM AND AFFIDAVIT OF SPECIFIC NEGATIVE AVERMENT AND DEMAND FOR PROOF OF CLAIM WITH OPPORTUNITY TO CURE AND ASSESSMENT FOR DAMAGES:Fraud - $1,000,000.00 (One Million) US Dollars for this action.

Denial of Right to Happiness / Beneficial Enjoyment Causing Financial Harm - $1,000,000.00 (One Million) US Dollars for this action.

Dishonor in Commerce - $1,000,000.00 (One Million) US Dollars for this action.

Conspiracy to Defraud - $1,000,000.00 (One Million) US Dollars for this action.

Collusion - $1,000,000.00 (One Million) US Dollars for this action.

7.Abuse of Power - $1,000,000.00 (One Million) US Dollars for this action."Default is a failure to discharge a duty, to one's own disadvantage; anything wrongful--some omission to do that which ought to have been done by one of the parties." 90 N.Y.S. 589, 590.
"The term is most often used to describe the occurrence of an event which cuts short the rights or remedies of one of the parties to an agreement or a legal dispute." Barrons's Law Dictionary, third edition.

The definition ofFRAUDgiven in 37 AM JUR 2nd, 144, 146 is: 144: "Unquestionably, the concealment of material facts that one, under the circumstance, is bound to disclose may constitute fraud. Indeed, one of the fundamental tenets of the Anglo-Saxon law of fraud is that fraud may be committed by a suppression of the truth, (suppressio veri) as well as by the suggestion of falsehood. ,(suggestio falsi)."
146: "The principle in the law of fraud as it relates to nondisclosure, that a charge of fraud is maintainable where a party knows material facts, is under the duty, under the circumstances, to speak and disclose his information, but remains silent.

Failure to State a ClaimIf you fail to exhibit a superior claim, a material defect in the perfection of Claimants security interest, or evidence contradicting the allegations and facts stated herein, then you agree to the issuance of Final Determination of Judgment and Nihil Dicit, and that you havewaived any and all rights to state a claim in the matter.Failure to state a claim is irrevocable, having had the opportunity and failed to plead. Serious criminal liability applies to any party that would subsequently purport to a claim.

All rights reserved, as well as, all rights to amend/supplement this Notice and Demandare reserved by Claimant.Wherefore, Claimant herein claims Monetary Damages as real and appropriate as so.Prepared and Executed by ORDER of TIEN PHAM MCKINNON, ALL RIGHTS RESERVED UCC 1-308.

______________________________________Tien Pham McKinnon, Authorized RepresentativeClaimant/Libelant

JURAT ATTACHEDAffidavit of Specific Negative Averment Page

Your NameAugust18, 2013AddressCity, State, ZipSSN:xxx-xx-xxxx | DOB:xx/xx/xxxxName of Credit BureauAddressCity, State, zipPlease be advised that this is my2nd/THIRDWRITTEN REQUESTand FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requestsfor you to provide me with the name of the person in your company who verified that these accountsare accurate andbelong on my file, what documentation did they use to verify that these accountsare accurate andbelong on my fileyou ignored my rights and instead toldme that you are labeling my dispute asFrivolous. Your actionsclearlydemonstrate your willfulviolation ofthe FCRAand I believe the Courts will agree when I present them with copies of my letters and your responses to them.Blacks Law Dictionary, 9thEdition, 2009, defines Verify as, 1)"To prove to be true; to confirm or establish the truth or truthfulness of; to authenticate." 2) to confirm or substantiate by oath or affidavit; to swear to the truth of." andVerification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. You say that your company hasreinvestigated these accountsand verified them as being accuratebut it is obvious thatyou have verified nothing. Allyou have done is parroted information given to you by other sources and shifted theburden back to me to prove that thereported items on theaccountslisted beloware notvalidwhich is clearly in violation of 1681(a)(4).It is obvious that you dont have any proof on fileto verify thattheseaccountsbelong on my file. Whenwe go to litigation you will be required to producethedocumentsyou used to verify these itemsthrough the discovery process and since you dont haveanydocuments in your filesverifying that these items are validthen that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages. Please be advised that underSection 611 (5)(A) of the FCRA you are required topromptly DELETE all information which cannotbe verfied. The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.Name of Account:Account Number:Provide Physical Proof of Verification1.Healtcare Funding#12000004 xxxxFailed to send Proof of verification2.CapOne#51780572 xxxxFailed to send Proof of verification3. Gecrb/old Navy # 601859623678 xxxxFailed to send Proof of verification4. Chase Bank # 4559525000000***Failed to send Proof of verification Thanking you in advance for your anticipated quick co-operation on this matter.Thank you,Your Signature HereYour NameAttached: Copy of my Social Security Card & Drivers License is attachedSent: USPS Certified Mail

Letter to Credit Bureaus if Collection Agency Fails to Validate Your Debt - Sample Letter 15 -

DateYour Name
Your Address
City, State ZipCredit Bureau
Bureau Address
City, State ZipRE: Account XXXXX-XXXX-XXXXXDear Sir/Madame:I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter.I look forward to a speedy resolution of this matter.Sincerely,Your Signature
enclosuresSee more at: http://www.creditinfocenter.com/forms/sampleletter15.shtml#sthash.GjsOw3Yf.dpuf

Date

To: (Name of the Collections Agency)
Address: (Address of the Collection Agency)
Account # 123456787From: (Your Name)
Address: (Your Address)Delivery Confirmation #: 0000 0000 0000 0000Dear Collection Agency,Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.Fair Credit Reporting Act 609 Disclosures to consumers: (c) (2) (E):A consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated under section 605 or cannot be verified.Fair Credit Reporting Act 611(a) 1 (A) Procedure in case of disputed accuracy:(a) Reinvestigations of Disputed Information (1) Reinvestigation Required
(A) In general. Subject to subsection (f), if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.Fair Debt Collection Practices Act Section 809. Validation of debts:(b) 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 any 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.According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report.I demand to see a copy of the Verifiable, Validated Proof (an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof), that you have on file for the account listed above.Under the FCRA, unverified, invalid accounts must be removed.If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from (Your Name) credit reports. I demand the account be verified or removed immediately!The law is very clear as to the Civil liability and the remedy available to me for the "negligent noncompliance" (Section 617) if you fail to comply with this Federal Law.Sincerely,(Your Name)