First Last

123 Street Rd,

Disputeville, XX XXXXX
XX/XX/XXXX
CRA ADDRESS
123 GOTOHELL AVE
EFO!, XX XXXXX
Dear CRA"
#a$e" F%RST LAST
SS &" XXX'XX'XXXX
DO(" XX/XX/XXXX
Curre)t $aili)* address" 123 +C!RRE#T ADDRESS L#, SO+E,HERE, XX
XXXXXXX
% a$ se)di)* t-is dispute Certi.ied +ail t/ e)sure it0s re1eipt2
Listed /) $3 Credit Rep/rt & XXXX, t-ere are ERRORS i) t-e 4ERSO#AL
%#FOR+AT%O# se1ti/) t-at re5uire %++ED%ATE atte)ti/)2 T-e err/rs -ave 6ee)
C%RCLED %# RED a)d are as ./ll/7s"
ADDRESS"
ADD 1 8 Address %de)ti.i1ati/) #u$6er" XXXXXXXX
ADD 2 8 Address %de)ti.i1ati/) #u$6er" XXXXXXX
ADD 3 8 Address %de)ti.i1ati/) #u$6er" XXXXXXX
T-ese are +!LT%FA+%L D,ELL%#GS a)d % a$ 1/)1er)ed a6/ut %DE#T%T THEFT2
4lease DELETE t-ese addresses %++ED%ATEL2
4lease delete t-e a6/ve $e)ti/)ed disputed ite$s2 T-irt3 93:; da3s 1/)stitutes a
reas/)a6le a$/u)t /. ti$e ./r i)vesti*ati/)2 4er t-e Fair Credit Rep/rti)* A1t 9FCRA;,
se)d $e )/ti.i1ati/) t-at t-ese ite$s -ave 6ee) deleted, as 7ell as a) !4DATED CO4
/. $3 CRED%T RE4ORT2
Si)1erel3,
O!R #A+E
E#CLOS!RES" %)1luded are 1/pies /. $3 Drivers Li1e)se, S/1ial Se1urit3 Card, a)d
(a)< State$e)t t/ veri.3 $3 ide)tit32
LA, OFF%CES OF D2 +%CHAEL DE#D, A4LC +ARCH =, 2::>
42O2 (OX ?>:3@= Certi.ied +ail #/2" ?::2
2:3: :::? :?3A 2?A@
#E, ORLEA#S, LO!%S%A#A ?:1?>':3@=

Re" Fleet (a)< ' >3:AA::?:2?=:1=:
/ur A11/u)t #u$6er ' 12???:3::311:3:B>
Fleet (a)< ' >32@B3A1=3:13:@A
/ur A11/u)t #u$6er ' 12???:3::311:2=B@

#OT%CE OF D%S4!TE

Dear Sir / +ada$"

T-is is A1tual a)d C/)stru1tive #/ti1e t-at t-e 1/lle1ti/) pr/1edure 6ei)* used
i) t-is $atter a*ai)st CEFF L2 CO#ES is de.e1tive2 A)3
le*al pr/1ess .ails at its .irst de.e1t, s-/7) as ./ll/7s2

Re.ere)1e t-e la7 a)d Fair De6t C/lle1ti/) 4ra1ti1es A1t2 Assess$e)t
Aut-/rit32

12 T-e initial step i) t-e 1/lle1ti/) pr/1ess is t/ esta6lis- a) a11/u)t a*ai)st
a Dde6t/rD 63 assessi)* t-e a$/u)t due a)d u)paid2

22 +et-/d a)d Ti$e /. Assess$e)t2 desi*)ates a spe1iall3 aut-/riEed
Assess$e)t O..i1er $ust si*) t-e Certi.ied Assess$e)t
Certi.i1ate2 T-is re1/rd, t-r/u*- supp/rti)* data, pr/vides ide)ti.i1ati/) /.
t-e de6t/r 63 )a$e a)d )u$6er, t-e 1lai$ peri/d,
t-e )ature /. t-e 1lai$, a)d t-e a$/u)t assessed2

32 T-e date /. assess$e)t is t-e date t-at t-e Certi.ied Assess$e)t
Certi.i1ate is si*)ed 63 t-e aut-/riEed Assess$e)t O..i1er2

>2 Full dis1l/sure re5uires t-at t-e Clai$a)t pr/vide t/ t-e de6t/r /. a)3
1/lle1ti/) de$a)d, a 1/p3 /. t-e d/1u$e)ts supp/rti)*
t-at de$a)d2 T-at i)1ludes a 1erti.ied 1/p3 /. t-e Assess$e)t Certi.i1ate2
The Certified Assessment Certificate is the legal
document that permits collection activity.

T-e !)ited State Supre$e C/urt -as ruled, DT-e 1lai$ is )/t /7ed u)til it -as
6ee) la7.ull3 assessed2D

T-ere./re, t-e Clai$a)t is pr/-i6ited 63 la7 a)d t-e Fair De6t C/lle1ti/)
4ra1ti1es A1t .r/$ ta<i)* a)3 1/lle1ti/) a1ti/) u)til t-ere is
prese)ted t/ t-e De6t/r a .ull dis1l/sure /. t-e assess$e)t i)1ludi)* a 1erti.ied
1/p3 /. t-e Assessment Certificate d/1u$e)t t-at pertai)s
spe1i.i1all3 t/ CEFF L2 CO#ES2

H/7ever, it appears t-e Clai$a)t -as $ade de$a)ds up/) t-e De6t/r 7it- )/
spe1i.i1 re.ere)1e t/ a)3 1/)tra1t t-at 6ears t-e si*)atures
/. t-e aut-/riEed a*e)t a)d t-at /. t-e alle*ed De6t/r2

/u -ave )/t pr/vided a)3 1/)siderati/) t/ CEFF L2 CO#ES, -ave )/t pr/vided
a)3 per./r$a)1e t/ 7-i1- t-e !)dersi*)ed is i)de6ted
/r 63 a)3 i)stru$e)t t-at 6ears t-e si*)ature, !CC 3'>:1 91;2 4lease eF-i6it t-e
i)stru$e)t t-at 1/)tai)s t-e si*)ature /. CEFF L2 CO#ES
/6li*ati)* t/ 3/ur de$a)d, 63 a*ree$e)t, !CC 1'2:1 93;2 4r/vide pr//. /.
3/ur 1lai$ t-at 3/u $ai)tai) a)3 pri/r superi/r se1urit3
i)terest, !CC 1'2:1 93?; 9a;2 %t appears 3/u are atte$pti)* t/ i)Ge1t 3/ursel.
i)t/ s/$e 1/)tra1t t/ 7-i1- 3/u are )/t a part3 a)d /)e
t-at is de.e1tive at t-at2 T-at 7/uld $a<e 3/ur a*e)13 a) %)terl/per a)d i)
vi/lati/) /. t-e C/)stituti/)al a)d Civil Ri*-ts /. t-e
u)dersi*)ed 4art32

T-is is #/ti1e a)d De$a)d t-at 3/u pr/du1e t-e 1/)tra1t si*)ed 63 Se1ured
4art3 u)der 7-i1- 3/u 1/$pel per./r$a)1e ' !CC 1'2:1 93;2
T-e atta1-ed is a) i)1/$plete i)stru$e)t ' !CC 3'11A2 T-e d/1u$e)t se)t t/
CEFF L2 CO#ES d/es )/t Evide)1e"
12 T-e statute a)d i$ple$e)ti)* re*ulati/) ./r t-e spe1i.i1 1lai$ i$plied
t-ere is lia6ilit3 ./r2

22 T-e statute a)d i$ple$e)ti)* re*ulati/)s t-at *ives 3/u aut-/rit3 t/ se)d
t-e a6/ve re.ere)1ed 4rese)t$e)ts i)1ludi)* t-e atta1-ed2

/ur 4rese)t$e)t is 6ei)* retur)ed 63 $e ,it-/ut Dis-/)/r si)1e 3/u -ave
issued a) i)1/$plete i)stru$e)t ' !CC 3'11A ' 6ased /) a
de.e1tive pr/1ess 7it- 7-i1- 3/u are atte$pti)* t/ i)du1e t-e a6/ve, 63 Fraud
' !CC 3'3:A 92; 9(; H 9C; 1ausi)* vi/lati/) /. 1/)tra1t 63
t-e a6/ve 7it- $e2 Failure t/ pr/vide $e 7it- t-e a6/ve re5uisites i)validates
t-e 4rese)t$e)t 3/u -ave $ade I !CC 1'A:A 92;2

/u )/7 -ave te) 91:; da3s t/ 1/$pl3, .r/$ re1eipt /. t-is Certi.ied +ail'!CC
1'2:1 91:;2 A la1< /. resp/)se /) 3/ur part $ea)s a .ault,
!CC 1'2:1 91@;, eFists 1reati)* .raud t-r/u*- $aterial $isreprese)tati/)
7-i1- vitiates all ./r$s, 1/)tra1ts, a*ree$e)ts, et12, eFpressed
/r i$plied, .r/$ t-e 6e*i))i)*, !CC 1'1:32

Failure /) 3/ur part t/ va1ate t-e atta1-$e)t, res1i)d t-e 4rese)t$e)ts a)d
retur) t-e assets ta<e) 9see atta1-ed; $a3 result i) t-e pressi)*
/. 1ri$i)al 1-ar*es u)der 2@ !SC ?21> H Se12 2>1 H 2>2 /. Title 1B,
i)1ludi)* 6ut )/t li$ited t/ t-e.t 63 de1epti/), duress, 1/er1i/),
.raud 63 i)du1e$e)t, $aterial $isreprese)tati/), $al.easa)1e /. /..i1e u)der
1/l/r /. la7 a)d eFt/rti/) usi)* t-e $ail s3ste$2

T-ere is )/ i$$u)it3 ./r a)3/)e 7-e) t-e3 deal i) 1/$$er1ial paper u)der t-e
Erie a)d Clear.ield D/1tri)es, i)1ludi)* Federal Rule /.
Evide)1e =:2 9=;2

% -ave als/ 1-e1<ed 7it- /ur Se1retar3 /. State re*ardi)* 3/ur la7.ul sta)di)*
t/ a1t i) t-is state a)d -ave ./u)d t-at 3/u are appare)tl3
/perati)* 7it-/ut a li1e)se a)d 3/u are de.i)itel3 a) /ut'/.'state 1/lle1ti/)
a*e)132 !)less 3/u 1a) pr/vide t-e validati/) re5uested 7it-i)
te) 91:; da3s /. re1eipt /. t-is letter a)d re.rai) .r/$ rep/rti)* a)3 su1- alle*ed
de6t /r la1< /. pa3$e)t t-ere/. t/ a)3 1redit rep/rti)*
a*e)13, 3/ur 1lai$ 7ill 6e 1/)sidered u)la7.ul, .riv/l/us a)d 7it-/ut $erit
a)d su6Ge1t t/ a plet-/ra /. le*al re1/urses /) $3 part2

As a .i)al )/te, ever3 pers/) 9read 3/u; is presu$ed t/ <)/7 t-e la72 S-/uld %
re1eive .urt-er 6/ilerplate letters a)d//r )/) resp/)sive
1/$$u)i1ati/), % 7ill )/t -esitate i) rep/rti)* LA, OFF%CES OF D2
+%CHAEL DE#D, A4LC t/ t-e Federal Trade C/$$issi/) a)d//r t-e
Att/r)e3 Ge)eral /. t-e State /. TE##ESSEE//r /ur !2 S2 Att/r)e3Js O..i1e
./r pr/se1uti/) a)d re1/$$e)d 6/t- t-e .i)e a)d
i$pris/)$e)t ./r 3/ur disrespe1t a)d disre*ard ./r t-e la7s2

T-e /)l3 1/$$u)i1ati/) CEFF L2 CO#ES 7ill a11ept .r/$ 3/u is a 1/p3 /. a)3
1/)tra1t /. a)3 <i)d t-at CEFF L2 CO#ES $i*-t -ave
7it- 3/ur 1/$pa)3, t-e Certi.i1ate /. Assess$e)t, a)d a 1/p3 /. 3/ur
1/lle1ti/) li1e)se ./r t-e state /. TE##ESSEE2
,it- EFpli1it Reservati/) /.
all Ri*-ts,
,it-/ut 4reGudi1e ' !CC 1'
2:?2

Si*)ed"

KKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKK

CEFF L2 CO#ES
2:> HE#R HA#ES RD2
L#OXV%LLE, T# 3?=2:'
B:11
C1" Att/r)e3 Ge)eral /. t-e State /. Te))essee
Cit3 C/u)t3 (uildi)*
L)/Fville, T# 3?=:2
!2 S2 Att/r)e3Js O..i1e
B:: +ar<et St2
L)/Fville, T# 3?=:2
+O#%CA GRAHA+
223@A HA,ORTH CT
CORO#A CA =2BB3
#/ti1e t/ A*e)t is #/ti1e t/ 4ri)1ipal
#/ti1e t/ 4ri)1ipal is #/ti1e t/ A*e)t
Se)t Certi.ied +ail &?::B323:::::2>:3A2@3 Fe6ruar3 2@, =/2=/12
7it- pr//. /. servi1e t/"
A## L2 +ERR%LL i)dividuall3 a)d d6a F!LTO# FR%ED+A# H G!LLACE, LL4
a)d ASSET ACCE4TA#CE LLC
21A1 SALV%O STREET S!%TE ,
CO#CORD, CA =>A2:
RE" Alle*ed A11/u)t & File &2@:3@1
T/ All #/ti1ed 4arties"
T-is is #/ti1e t-at % a$ disputi)* a)3 alle*ed de6t u)til 3/u pr/vide veri.i1ati/) /. t-e
de6t pursua)t, 6ut )/t li$ited, t/ $3 ri*-ts 7ider t-e Fair De6t C/lle1ti/) 4ra1ti1es A1t
9FDC4A;, a)d t-e !)i./r$ C/$$er1ial C/de 9!CC;, Cali./r)ia C/$$er1ial C/de,
C/)tra1t La7 a)d t-e Fair Credit (illi)* A1t 9FC(A;2
%t appears t/ $e .r/$ 3/ur 1/rresp/)de)1e t-at 3/u area de6t 1/lle1t/r, t-at % a$ a
1/)su$er, a)d t-at t-is is a) alle*ed de6t/de6t su6Ge1t t/ t-e pr/visi/)s /. t-e FDC4A i)
re*ards t/ t-is 1/lle1ti/) pr/1eedi)* ./r a) alle*ed de6t /7ed 63 $e2 See" (ritt/) v2
,eiss, !2S Dist Ct2, #/rt-er) Dist #e7 /r<, 1=BB, a)d La7s v2 C-es<l/1<, !S2 Dist2
Ct2, #/rt-er) Dist2 %lli)/is, East2 Div2, 1===2
4ursua)t t/ t-e FDC4A, 3/u $ust CEASE a)d DES%ST a)3 a)d all 1/lle1ti/) a1tivit3, i)
a)3 a)d ever3 ./r$, u)til 3/u pr/vide Msu1- veri.i1ati/)N -erei) re5uested2 %) Ca)* v2 A2
+2 +iller H Ass/1s2, !2S2 App2 9?t- Cir2;, 122 F23d >B:O 1=??, t-e C/urt stated t-at 1A
!2S2C2 MSe1ti/) l@=2*96; *ives de6t 1/lle1t/rs t7/ /pti/)s 7-e) t-e3 re1eive re5uests ./r
validati/)" pr/vide t-e re5uested validati/)s a)d 1/)ti)ue t-eir de6t 1/lle1ti)* a1tivities,
/r t-e3 $a3 1ease all 1/lle1ti/) a1tivities2 See S$it- v2 Tra)s7/rld S3ste$s %)12, =@3
F22d 1:2A, 1:319@t- Cir2 1==2;2N
/ur .ailure t/ pr/vide a)3t-i)* less t-a) t-e veri.i1ati/) re5uested -erei) a)d 1/)ti)ui)*
t/ atte$pt t/ 1/lle1t /) t-e alle*ed de6t $a3 6e dee$ed a vi/lati/) /., 6ut )/t li$ited t/,
t-e FDC4A ./r pr/vidi)* .alse, $isleadi)* a)d//r de1eptive i)./r$ati/), a)d
$isreprese)ti)* t-e 1-ara1ter, a$/u)t a)d//r le*al status /. t-e alle*ed de6t ./r t-e
purp/se /. -arass$e)t a)d 1/er1i/) as 7ell as .ailure t/ pr/vide veri.i1ati/) /. t-e
alle*ed de6t2 %. 3/u are a) att/r)e3, it $a3 6e dee$ed as a vi/lati/) /. 3/ur C/de /.
4r/.essi/)al Resp/)si6ilit3 a)d Civil Rule'112
A)3 1lai$s /. $/)e3 alle*ed t/ 6e /7ed 6ased /) a) i)stru$e)t/)/te/1/)tra1t, as a)
/perati/) /. la7, are su6Ge1t t/ !CC P 3'3:A, 7-i1- i) part states"
T-e ri*-t t/ e)./r1e t-e /6li*ati/) /. a part3 t/ pa3 a) i)stru$e)t is su6Ge1t t/ t-e
./ll/7i)*"
91; a de.e)se /. t-e /6li*/r 6used /)
9i; %).a)13 /. t-e /6li*/r t/ t-e eFte)t %t %s a de.e)se t/ a si$ple 1/)tra1t,
9ii; duress, la1< /. le*al 1apa1it3, /r ille*all3 /. t-e tra)sa1ti/) 7-i1-, u)der /t-er
la7, )ulli.ies t-e /6li*ati/) /. t-e /6li*/r,
9iii; .raud t-at i)du1ed t-e /6li*/r t/ si*) it;2 i)stru$e)t 7it- )eit-er <)/7led*e
)/r reas/)a6le /pp/rtu)it3 t/ lear) /. its 1-ara1ter /r its esse)tial ter$s, /r
9iv; dis1-ar*e /. t-e /6li*/r i) i)s/lve)13 pr/1eedi)*sO
#OT%CE O4 4OTE#T%AL C%V%L R%GHTS V%OLAT%O#
%. 3/u a)d//r 3/ur a*e)ts, assi*)s /r su11ess/rs atte$pt, /r 1/)ti)ue t/ atte$pt, t/ 1/lle1t
/) t-e alle*ed de6t i) a)3 $a))er, $et-/d /r ./r$ i)1ludi)* 1/urt a1ti/), )e*ative 1redit
rep/rti)* 91/)spiri)* 7it- t-e M1redit rep/rti)* 6ureausN;, letters/state$e)ts i) t-e $ail
91/)spiri)* 7it- t-e !)ited States 4/st O..i1e/Servi1eN;, a.ter .aili)*/re.usi)* t/ pr/vide
veri.i1ati/) a)d ade5uate assura)1e 9pr//. /. 1lai$; /. t-e alle*ed de6t 3/u 1lai$ % /7e
as re5uired 63, 6ut )/t li$ited t/, !CC, C/)tra1t La7, FC(A, FDC4A, it $a3 6e dee$ed
a vi/lati/) /. $3 Civil Ri*-ts pursua)t, 6ut )/t li$ited, t/ >2 !2S2C2PP 1=BA, 1=B@, a)d
su6Ge1t 3/u t/ a la7suit ./r da$a*es sustai)ed as 7ell as p/te)tial 1ri$i)al pr/se1uti/)2
T-/se Civil Ri*-ts la7s d/ #OT re5uire MState a1ti/)/i)v/lve$e)tN ./r /)e t/ 6e ./u)d
*uilt3 /. vi/lati)* t-e$2 T-is 7as re1/*)iEed 63 t-e !S2 Supre$e C/urt i) Gri..i) v2
(re1<e)rid*e2 >:3 !2S2 BB ,=1 S2Ct21?=:, 2= L2Ed22d 33B 91=?1;7-ere t-e3 stated,
MQTR-e .ailure t/ $e)ti/) a)3 su1- 9state a1ti/)R re5uisite 1a) 6e vie7ed as a) i$p/rta)t
i)di1ati/) /. 1/)*ressi/)al i)te)t t/ spea< i) se1ti/) 1=BA93; /. all deprivati/)s /. Se5ual
pr/te1ti/) /. t-e la7s0 a)d Se5ual privile*es a)d i$$u)ities u)der t-e la7s20 7-atever
t-eir s/ur1e2N Als/, see C-ap$a) v2 T-e Hi*6ee C/2, @t- Cir2 Apps2 92::3;2 A)3
1/lle1ti/) a1ti/) i)v/lvi)* a 1/urt /. la7, Gud*e, 1ler< /. 1/urts, att/r)e3 7ill su6Ge1t 3/u
t/ a vi/lati/) /. $3 C/)stituti/)al a)d Civil Ri*-ts pursua)t t/ >2 !2S2C2 P 1=B32 Su1-
a1ti/) i) 1/))e1ti/) 7it- t-e MstateN 7ill dee$ 3/u t/ 6e a Mstate a1t/rN2 See Supre$e
C/urt de1isi/)s" See Adi1<es v2 S2 H2 Lress H C/2, 3=B !2S2 1>> 91=?:; a)dLu*ar v2
Ed$/)se) Oil C/2 %)12, et al2, >A? !2S2 =22O 1:2 S2 Ct2 2?>>" ?3 L2 Ed2 2d >B2 91=B2;2
12 TH%S %S #OT A REF!SAL TO 4A, 6ut a re5uest ./r pr//. /. 1lai$" veri.i1ati/) /.
$/)e3 alle*ed t/ 6e /7ed pursua)t, 6ut )/t li$ited, t/ 1A !2S2C2 P 1B@@96; /. t-e
Fair Credit (illi)* A1t, 1A !2S2C2 P 1@=2* ' Fair De6t C/lle1ti/) 4ra1ti1es A1tO
22 % dispute t-e e)tire a$/u)t, 4ER THE ATTACHED #OT%CE RECE%VED FRO+
O!R OFF%CE plus i)terest, alle*edl3 /7ed 63 $e t/ MLe)derN a)d//r MLe)der0sN
a*e)ts, su11ess/rs a)d//r assi*)sO
32 T-e a$/u)t alle*edl3 /7ed 63 $e t/ MLe)derN appears t/ 6e a 6illi)* a)d//r a)
a11/u)ti)* err/rO
>2 % d/ )/t a*ree t/ a)3 1-a)*es, )/ti1es, alterati/)s, a$e)d$e)ts /r t-e li<e previ/usl3,
alle*edl3, $ailed 63 MLe)derN a)d//r MLe)der0sN a*e)ts t/ $e i) re*ard t/ t-is
a11/u)t a)d % M/pt /utN /. a)3 su1- )/ti1e, alle*edl3, $ailed, i. appli1a6leO
A2 % rev/<e a)3 1-a)*es, )/ti1es, alterati/)s, a$e)d$e)ts /r t-e li<e previ/usl3,
alle*edl3, $ailed 63 Le)derN a)d//r MLe)der0sN a*e)ts t/ $e, i. appli1a6leO
@2 % de$a)d t/ -ave $ailed t/ $e a Certi.ied a)d Veri.ied C/p3 /. a) eFe1uted 1/)tra1t
6et7ee) t-e MLe)derN a)d $3sel. .r/$ t-e eFisti)* /ri*i)al 1/)tai)i)* a 6lue/6la1<
i)< si*)atureO
?2 % de$a)d a Certi.ied a)d Veri.ied 7ritte) a11/u)ti)* /. t-e t/tal a$/u)t /. $/)e3, i.
a)3, % -ave 4A%D %#, t/ t-e said a11/u)t )u$6er 9t-is is #/t a re5uest ./r dupli1ate
state$e)ts, /r alle*ed 6ala)1e /7ed /r a 1/$puter *e)erated /r t-e li<e pa3$e)t
-ist/r3;, i. appli1a6leO
B2 4ursua)t, 6ut )/t li$ited t/2 t-e !)i./r$ C/$$er1ial C/de P 3'3:2, 3'3:A, Fair Credit
(illi)* A1t '1A !2S2C2 P 1@@@93;96;9ii;, Fair De6t C/lle1ti/) 4ra1ti1es A1t ' 1A
!2S2C2 P 1@=2*, a)d//r C/)tra1t la7, % a$ de$a)di)* t-e MLe)derN pr/vided
veri.i1ati/) a)d//r ade5uate assura)1e /. t-e alle*ed de6t /7ed 63 $e 63 veri.3
a)d//r assuri)* t-at"
a2 %t is i) p/ssessi/) /. t-e pr/$iss/r3 )/te9s;/i)stru$e)t9s; issuedO
62 Valua6le 1/)siderati/) 7as *ive) ./r t-e )/te9s;/%)stru$e)t9s;O
12 T-e pr/$iss/r3 )/te9s;/i)stru$e)t9s; 7as/7ere re1eived i) *//d .ait-O
d2 All appli1a6le !)ited States (a)<i)* la7s a)d//r Federal Reserve 4/li1ies a)d
4r/1edures 9!S(L a)d//r FR44; 7ere 1/$plied 7it-O
e2 All $aterial .a1ts perti)e)t t/ t-e ML/a) 4r/1essN as re5uired 63 !S(L a)d//r
FR44 7ere dis1l/sed t/ $e all/7i)* $e t/ issue a)d eFe1ute pr/$iss/r3
)/te9s;/i)stru$e)t9s; t/ MLe)derN /. $3 /7) .ree 7ill a6se)t /. i)du1e$e)t
a)d//r 1/er1i/) a)d//r .raud 63 t-e MLe)derNO
.2 T-e MLe)derN -as #OT altered i) a)3 ./r$ /r .as-i/) t-e pr/$iss/r3
)/te9s;/i)stru$e)t9s; issuedO
*2 T-e pr/$iss/r3 )/te9s;/i)stru$e)t9s; issued 7as/7ere #OT used /t-er t-a) as
i)te)ded, 7-i1- 7as t/ /)l3 6e a pr/$ise t/ pa3 $/)e3 Ml/a)edNO
-2 T-e MLe)derN did #OT use t-e pr/$iss/r3 )/te9s;/i)stru$e)t9s; issued, 7it-/ut
dis1l/si)*, as M6a)< )/tesN -avi)* MvalueN 96a)<a6le paper;2 See 31 !2S2C2
A1:3 a)d H/use C/i)t Res/luti/) 9HCR;'1=2O
i2 T-e MLe)derN did #OT a11ept $/)e3, $/)e3'e5uivale)t, 1apital, .u)ds /r
a)3t-i)* /. value .r/$ issuer /. pr/$iss/r3 )/tes i) t-e appr/Fi$ate a$/u)t /.
t-e Ml/a)N /) t-e pr/$iss/r3 )/te9s;/i)stru$e)t9s;O
G2 T-e MLe)derN did #OT EXCHA#GE 9as /pp/sed t/ l/a); pr/$iss/r3
)/te9s;/i)stru$e)t9s; issued ./r 1redit9s;/dep/sit9s; t/ a Mtra)sa1ti/)N a11/u)t,
1-e1< /r si$ilar e)tit3 t-e MLe)derN esta6lis-ed /) issuers 6e-al. a)d t-e)
7it-dre7, /r s/$et-i)* si$ilar, .r/$ t-e 1redit9s;/dep/sit9s; a)d *ave issuer a
Ml/a)NO
<2 T-e MLe)der0sN a11/u)ti)*/6//<<eepi)* e)tries u)der GAA4 9Ge)erall3
A11epted A11/u)ti)* 4ri)1iples; a)d GAAS 9Ge)erall3 A11epted Auditi)*
Sta)dards; d/ #OT s-/7 a) /utsta)di)* lia6ilit39s; /7ed t/ issuer /.
pr/$iss/r3 )/te9s;/i)stru$e)t9s; 63 t-e MLe)derN ./r t-e M.a1eN a$/u)t /. t-e
pr/$iss/r3 )/te9s;/i)stru$e)t9s; % issued t/ MLe)derNO
l2 T-e MLe)der0 did #OT *ive a Ml/a)N as Mvalua6leN 1/)siderati/) /. t-e
pr/$iss/r3 )/te9s;/i)stru$e)t9s; issued, t-at 7as/7ere a)d//r is )/ $/re t-a),
a) ele1tr/)i1 a)d//r a11/u)ti)*/6//<<eepi)* CREATED CRED%T si$ilar, /r
t-e sa$e as2 a M1redit $e$/N i) 6a)<i)*O
$2 %. MLe)derN used CREATED CRED%T i) ass/1iati/) 7it- t-e Ml/a)N alle*ed t/
6e /7ed 63 $e, t-at su1- CREATED CRED%T is le*al te)der i) a11/rds 7it- 31
!2S2C2 A1:3 a)d HCR'1=2O
)2 % 1a))/t le*all3 repa3 a)3 $/)e3, veri.ied a)d//r assured 63 SLe)derN t/ 6e /7ed
63 $e, i) t-e sa$e spe1ies /. $/)e3 /r $/)e3'e5uivale)t used t/ .u)d t-e l/a),
a)d//r a)3 /. t-e spe1ies /. $/)e3 re1/*)iEed a)d aut-/riEed 63 t-e Federal
Reserve a)d pursua)t t/ 31 !2S2C2 A1:3 a)d HCR'1=2O
= % -ere63 te)der /..er t/ pa3 t-e .ull a$/u)t alle*ed t/ 6e /7ed, pursua)t t/ !CC 3'@:3,
up/) veri.i1ati/) a)d//r ade5uate assura)1e /. t-e alle*ed de6t 9su6Ge1t t/ 1r/ss'
eFa$i)ati/) a)d t-e pe)alt3 /. perGur3;, /7ed 63 $e, t/ t-e 6est /. $3 a6ilities,
7-ereas su1- 7/uld su6sta)tiate t-at t-e MLe)derN -as )/t perpetrated a .raud up/)
$e a)d is -/lder i) due 1/urse /. its 1lai$s2 4a3$e)t s-all 6e dee$ed re.used, a)d//r
)/ /6li*ati/) eFist, i. MLe)derN d/es )/t pr/vide veri.i1ati/) a)d//r ade5uate
assura)1e /. t-e alle*ed de6t as -erei) re5uested, a)d a)3 de6t alle*edl3 /7ed 63 $e
is eFti)*uis-ed as /) /perati/) /. la72 MQAR) /6li*ati/)T2 /)1e eFti)1t, it )ever
revives a*ai)2N O*de) v2 Sau)der, 2A !2S2 213 91B2?;2
4LEASE #OTE"
Certi.ied C/p3" $ea)s' MA 1/p3 /. a d/1u$e)t /r re1/rd, si*)ed a)d 1erti.ied as a true
1/p3 63 t-e /..i1er t/ 7-/se 1ust/d3 t-e /ri*i)al is e)trustedN
Veri.ied C/p3" $ea)s' MC/p3 /. d/1u$e)t 7-i1- is s-/7) 63 i)depe)de)t evide)1e t/
6e true2 A 1/p3, i. su11essive 7it)ess tra1es t-e /ri*i)al i)t/ t-e -a)ds /. a 7it)ess 7-/
$ade /r 1/$pared t-e 1/p32 See" #u Car Carriers v2Tre3)/r, ?A !2S2App2D2C2 1?>, 12A
F22d >?, >B2N
Veri.i1ati/)O $ea)s' MC/).ir$ati/) /. 1/rre1t)ess, trut-, /r aut-e)ti1it3, 63 a..idavit,
/at-, dep/siti/)2 A..idavit /. trut- /. $atter stated a)d /6Ge1t /. veri.i1ati/) is t/ assure
*//d .ait- i) aver$e)ts /r state$e)ts /. part32 QSee 1ase la7RS-eele3 v2 Cit3 /. Sa)ta
Clara, 21A Cal2App22d B3, 3: Cal2Rptr2 121,1232 S7/r) /r e5uivale)t 1/).ir$ati/) /.
trut-T%) a11/u)ti)*, t-e pr/1ess /. su6sta)tiati)* e)tries i) 6//<s /. a11/u)t2N
Assure" $ea)s' MT/ $a<e 1ertai) a)d put 6e3/)d d/u6t2 T/ de1lare, aver, av/u1-, assert,
/r e)sure p/sitivel32 T/ de1lare s/le$)l3O t/ assure t/ a)3 /)e 7it- desi*) /. i)spiri)*
6elie. /r 1/).ide)1e2N
Assura)1e" $ea)s' MT-e a1t /r a1ti/) /. assuri)*222 A de1larati/) te)di)* t/ i)spire .ull
1/).ide)1e2N
T-e a6/ve de.i)iti/)s are .r/$ (la1<0s La7 di1ti/)ar3, @t- Ed2 M%) t-e a6se)1e /. a
statut/r3 de.i)iti/), 1/urts *ive ter$s t-eir /rdi)ar3 $eeti)*2N (ass2 Terri L2 v2 St/lper,
L/ritEi)s<3, 111 F23d 132A, ?t- Cir2 Apps2 91==@;2 4lai) $ea)i)* 1a) 6e deter$i)ed 63
usi)* a di1ti/)ar32 As t-e !2S2 Supre$e C/urt )/ted, M,e -ave stated ti$e a)d a*ai) t-at
1/urts $ust presu$e t-at a le*islature sa3s i) a statute 7-at it $ea)s a)d $ea)s i) a
statute 7-at it sa3s t-ere2 See, e2*2, !)ited States v2 R/) 4air E)terprises2 %)12, >B= !2S2
23A, 2>1'2>2 91=B=;O !)ited States v2 G/lde)6er*, 1@B !2S2 =A,1:2'1:3 91B=?;O O)eale
v2 T-/r)t/)2 @ Cra)1- A3, @B2 ,-e) t-e 7/rds /. a statute are u)a$6i*u/us, t-e) t-is
.irst 1a)/) is als/ t-e last" MGudi1ial i)5uir3 is 1/$pleteN2 Ru6i) v2 !)ited States, >>=
!2S2 >2>, >3: 91=B1; a)d R/) 4air E)terprises, supra, at 2>2N C/))2 #at0l (a)< v2
Ger$ai), A:3 !2S2 2>= 91==2;2 MQTR-e le*islative purp/se is eFpressed 63 t-e /rdi)ar3
$ea)i)* /. t-e 7/rds used2N Ri1-ards v2 !)ited States, 3@= !2S2 1 91=@2;2
MLe)derN is 6ei)* re5uested t/ *ive pr//. /. 1lai$/veri.i1ati/) /. t-e purp/rted de6t a)d
status as -/lder i) due 1/urse2 Su1- is appare)tl3 re5uired as a $atter /. due pr/1ess /.
la72 T-is is appare)t i) t-e !2S2 Supre$e C/urt state$e)t"
MF/r i) t-is pr/1eedi)* petiti/)er is )/t see<i)*, )/r is resp/)de)t de)3i)* -i$,
a)3t-i)* /t-er t-a) t-e ri*-t t/ pr/ve -is 1lai$222 T-e 5uesti/) is si$pl3 /)e /. t-e
ad$issi6ilit3 a)d e..e1t /. evide)1eO a)d222 t-e /6li*ati/) t/ re1eive i) evide)1e a
pr/$iss/r3 )/te /r /t-er ad$issi6le evide)1e /. de6t2N +/rris v2 C/)es, 32= !2S2 A>A
91=>?; 9e$p-asis added;2
Additi/)all3, please re.rai) .r/$ se)di)* $e a pri)t'/ut /r 1/pies /. state$e)ts as
purp/rted veri.i1ati/)2 A)3 su1- a1t 7ill 6e su6Ge1t t/ le*al a1ti/) ./r vi/lati/)s /., )/t
li$ited t/, t-e FDC4A2 See /u)* v2 He7er H #Gus, 4A, Dist2 Ct2 #2 %ll 91==?;2 9Fi)di)*
t-at 1/$puter pri)t/uts are )/t veri.i1ati/) /. a de6t;2
FA%L!RE 63 de6t 1/lle1t/r t/ resp/)d, i) /rder t/ $ai)tai) t-e -/)/r 6est/7ed 63 said
prese)t$e)t, $a)dates t-at la7.ul pr/test de1lare 3/ur dis-/)/r2 /ur resp/)se $ust 6e
i) a..idavit ./r$ u)der 3/ur .ull 1/$$er1ial lia6ilit3, re6utti)* ea1- /. $3 p/i)ts, /) a
p/i)t'63'p/i)t 6asis, t-at t-e .a1ts 1/)tai)ed t-erei) are true, 1/rre1t2 1/$plete a)d )/t
$isleadi)*2 De1larati/)s are i)su..i1ie)t, as de1larati/)s per$it l3i)* 63 /$issi/), 7-i1-
)/ -/)/ra6le prese)t$e)t $a3 1/)tai)2
FA%L!RE t/ veri.3 a)d//r ade5uatel3 assure t-e alle*ed de6t /7ed 63 $e 7it-i) te) 91:;
da3s, as stated a6/ve, i) a11/rda)1e 7it- said de.i)iti/)s, 7ill 6e dee$ed a dis-/)/r /.
t-is prese)t$e)t/)/ti1e a)d de$a)d, a)d t-at t-e de6t 1/lle1t/r a)d//r t-eir 1lie)t, -as
.raudule)tl3 atte$pted t/ assert a 1lai$ a*ai)st $e, a)d eFt/rt, i)du1e $/)e3 .r/$ $e i)
t-e prese)t a)d past, i) 7-i1- t-e de6t 1/lle1t/r a)d//r t-eir 1lie)t -as a)d -as -ad )/
le*al ri*-t t/, via t-e !2S2 +ail2
ADD%T%O#ALL, a)3 ./r$ /. 1/lle1ti/) a1tivit3 a)d//r rep/rti)* /.
)e*ative/der/*at/r3 i)./r$ati/) a6/ut said a11/u)t t/ M1redit rep/rti)* a*e)1iesN 63 de6t
1/lle1t/r a)d//r t-eir 1lie)t, a)d//r t-eir a*e)t/assi*)s a6se)t /. t-e de6t 1/lle1t/r a)d//r
t-eir 1lie)t pr/vidi)* veri.i1ati/) a)d//r ade5uate assura)1e /. t-e alle*ed de6t /7ed 63
$e 7ill 6e dee$ed as i)te)ti/)all3 a)d 7ill.ull3 de.a$ati/) a)d li6el /. $3 *//d )a$e
a)d 1-ara1ter a)d -arass$e)t ./r t-e purp/se /. i)du1e$e)t /r 1/er1i/) /. $/)e3 .r/$
$e t/ 7-i1- t-e Mle)derN -as )/ le*al ri*-t2
Si)1erel3, 7it- all ri*-ts reserved,
+/)i1a Gra-a$
E)1l/sure" Opi)i/) letter .r/$ t-e FTC atta1-ed a)d i)1/rp/rated 63 re.ere)1e t/ t-is
li)< t/ t-e letter 2 S/ur1e"
-ttp"//7772.t12*/v//s/statutes/.d1pa/letters/1ass2-t$P