Gerry Ruff

C/O 5351 Watervale DR

Dublin, Ohio 43016

CREDIT ADJUSMENTS, INC.

MICHAEL S. OSBORNE
330 FLORENCE ST.
DEFIANCE,OH 43512

NOTICE OF INTENT TO SUE

Violations of 15 U.S.C. § 1692 (E) , 15 U.S.C § 1692 (F), 15 U.S.C § 1692 (c), 47 U.S.C §227
Truth in Caller ID Act and RICO 18 U.S.C § 1964 (c).

“Notice to agent is notice to principal; notice to principal is notice to agent”

To Whom It May Concern:

This letter serves as a formal notice of my intent to file a Federal Lawsuit and a good
faith attempt to settle these matter without litigations. CREDIT ADJUSMENTS, INC. have
knowingly violated the FDCP, TCPA, Truth in Caller ID Act, Federal RICO and possibly the OHIO
CONSUMER SALES PRACTICE.

On August 26, 2016 at 2:43pm I received a automated call on my cell phone (614) 607-
1530 from a number that did not display a name on the caller ID, upon answering, the call was
forwarded to CREDIT ADJUSMENTS, INC rep Adam. I informed Adam that I never gave the
company consent to call my cell phone. Nor do I consent to the company using my personal
information to collect a debt. I also informed Adam that I was not aware of this alleged debt.
Adam informed me he will put the account in dispute status. A couple minutes latter at 2:54
pm, the same day August 26, 2016. The company willfully ignored the the fact I told them they
don’t have consent to call my cell phone and the debt was disputed. I received another
automated call from CREDIT ADJUSMENTS, INC and the call failed to display the name of the
company on the caller ID. I was forwarded to rep Brian. I informed Brian that the company do
not have consent to call my cellphone. I also informed Brian that im not aware of any alleged
debt. I requested information about the company and the alleged debt. Fourteen days lapsed
and I did not receive any thing from the company. I called CREDIT ADJUSMENTS, INC on
September 9, 2016 to find out the status of my request and found out that it was not sent out.
It was then sent out and I receive it on September 20, 2016. In April of 2017 my federal income
taxes of $1000.00 was garnished by CREDIT ADJUSMENTS, INC. Upon pulling my credit report
in January I discovered the balance on the allege debt remained the same amount. I called
CREDIT ADJUSMENTS, INC inquiring about the money they took from my federal taxes and was
told I they were charging me collection fees and daily interest.

15 U.S.C § 1692e do not allow a debt collector to falsely represent the character,
amount for service th

The Telephone Consumer Protection Act allows for a private right of action. Each
statutory violation committed was done willfully which is $1500.00 per violation. The willful
calling of my Cellular device without my expressed consent using a automated dialer is a
$1500.00 violation per call. I count two willful violation of the law totaling $3,000. FDCP allows
for private cause of action in statutory damages of $1000.00. Each violation of FDCPA will be
persuade separately and in the future. If there is other violation of the FDCPA discovered, those
violations will be investigated individually as well.