CERTIFIED MAIL RETURN RECEIPT REQUESTED 7004 1350 0005 2690 XXXX Re: THIRD FACTA Demand Letter

Acct# 0174246870XXXXXXX American Express Credit Bureau Unit P.O. Box 297871 Fort Lauderdale, FL 33329-7871 (800) 847-XXXX NOTICE OF INTENT TO FILE SUIT Good day Credit Bureau Unit, This is the third and final letter that I will send on this matter. 1. On or about May 17, 2006 I sent you a dispute letter pursuant to FCRA ? 623. ( a )( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER, you failed to respond within the 30 day time limit in which the statues allow. That is a one violation for each of the three credit bureaus and are enforceable per Sections 616 and 617 of the FCRA which talks about how much the fines are for violations of the FCRA (the willful and negligent non compliance), typically $1000. That is $3000.00 total. 2. On or about June 28, 2006, I sent a second dispute letter informing you of your FCRA violation. This time you have confirmed receipt within the 30 day time period but you have failed again to provide the proof of what you are reporting to the credit bureaus, these are same violations of the FCRA ? 623. ( a )( 8 ) As above. Also you have failed to notify all three credit bureaus twice of my dispute pursuant to the FCRA ? 623. ( a ) ( 3 ). That is one violation for each of the credit bureaus and again are enforceable per Section 616 and 617 of the FCRA which talks about how much the fines are for violations of the FCRA (the willful and negligent non compliance), typically $1000. That is $3000.00 total. With your request for my Social Security number it is now apparent that you do not have the information that you used to verify the disputes I submitted repeatedly to the Credit Bureaus, six in total, two each over the past 120 days. It is not my job to report accurate information to the credit bureaus; it is your job to do so. And over the past 120 days you have verified my disputes with Equifax, TransUnion and Experian six times and therefore from that fact alone, you MUST know about my account because you have verified it. Otherwise you have verified without performing the required investigation pursuant to the FCRA. Either way, you are being willfully and negligently non compliant, not to mention deceitful, if not to me than to the credit bureaus where you have verified the disputed

and falsely reported information. Which one is it? If you can not provide the information that you are using to verify my disputes to the credit bureaus, you are REQUIRED by the FCRA to delete the Trade Lines. You owe me $6000.00 for violations of the FCRA and if I must retain a legal representative you can pay for his/her fees as well. Or you have the option to settle this now by deleting the trade line on all three credit bureaus and never reporting it again through your own credit bureau unit or its ASSIGNS. Either way is fine and acceptable to me. You have 10 business days to delete the trade line entries on my credit reports and send me a confirmation letter stating as such, else I will file suit. Sincerely, Teddt Theodore Esquire III