Debt Validation Letter
September 24, 2024
All Rights Reserved
Gavin Victor Authorized Representative of
GAVIN VICTOR CLAY
3604 Alberta Ave
Sacramento, CA 95821
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection
Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for
VALIDATION made pursuant to the above-named Title and Section. I respectfully request your
offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to
any of the three major credit bureaus (Equifax, Experian, or TransUnion) this action may
constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is
found on any of my credit reports by your company or the company that you represent, I will not
hesitate in bringing legal action against you and your client for the following: Violation of The
Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation
of Character.
If your offices are able to provide the proper documentation as requested in the following
Declaration, I will require at least 30 days to investigate this information, during which time all
collection activity must cease and desist. Also, during this validation period, if any action is
taken which could be considered detrimental to any of my credit reports, I will consult with my
legal counsel for suit. This includes any listing of any information to a credit reporting repository
that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your
receipt, all references to this account must be deleted and completely removed from my credit
file, and a copy of such deletion request shall be sent to me immediately.
Sign: _ Gavin Clay ______________________________
CEASE AND DESIST
Pursuant to 15 USC 1692c.(c) I am notifying you in writing that I refuse to pay this alleged debt,
and I am demanding that cease all forms of communication with me through any and all
mediums
Pursuant 15 USC 1692c.(c)(2).
I am invoking my specified remedy as a consumer, and the original creditor I am demanding all
of the following:
Zero out the balance on this account.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best Regards,
REQUESTING THE FOLLOWING:
1. Name and address of alleged creditor.
2. Name on file of alleged debtor.
3. Alleged account number.
4. Address on file for alleged debtor.
5. Alleged account number.
6. Amount of alleged debt.
7. Date (this alleged debt became payable).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following:
- Agreement with your client that grants I.C. System Inc. the authority to collect this
alleged debt.
- Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor
has a contractual obligation to pay Debt Collector.
- Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
- All statements while this account was open.
- Have any insurance claims been made by any creditor regarding this account?
____ YES
____ NO
- Have any judgments been obtained by any creditor regarding this account?
____ YES
____ NO
Please provide the name and address for the bonding agent for I.C. System Inc., in case legal
action becomes necessary:
Authorized Signature of Creditor: _____________________
Date: _________________
You must return this completed form along with copies of all requested information,
assignments, or other transfer agreements, which would establish your right to collect this
alleged debt within 30 days from the date your receipt of this letter.
Your claim cannot and WILL NOT be considered if any portion of this form is not completed
and returned with copies of all requested documents. This is a request for validation made
pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
