Your Name 1234 Any Ave. Tulsa, OK 12345 Idiot, Inc. 123 S.

Stupid Lane Tulsa, OK 12345 Re: Account # xxxxxxx, Account # xxxxxxxx, & Account # xxxxxx To Whom It May Concern: This letter is a notice of probable legal action against your company for willfully reporting false information on my credit report, violating the Fair Debt Collection Practices Act (FDCPA), violating the Fair Credit Reporting Act (FCRA), and violating the Oklahoma Consumer Protection Act (OCPA). On [DATE] I sent a notice to your company (certified mail # xxxx xxxx xxxx xxxx xxxx) telling you of the false information. Idiot, Inc. signed for the letter on [DATE]. The accounts are listed with such erroneous information including but not limited to a false 'reported since' dates and all accounts listed as an 'installment' account, which collections are clearly not. A reporting of such is often done to purposefully lower a consumer's credit score. I disputed with the credit bureaus and, on [DATE], I received a notice from Experian stating the accounts were updated. However, the update not only included the same false information, but also showed the account was not listed in dispute. I disputed the accounts again with Experian on [DATE], and again, the accounts were shown verified with the same information. My credit file also shows where Idiot, Inc. updated and listed the false reporting on [DATE], [DATE], [DATE], and [DATE]. Please note I have kept strict and accurate records of all transaction between Idiot, Inc. and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. Idiot, Inc. has violated the FCRA by failing to conduct a proper investigation upon notice of dispute and/or by failing to report the findings of such investigation to the credit reporting agency; and by failing to report accurate information to the credit reporting agency. FCRA liability holds statutory damages at $1,000 per violation. Each account is considered a separate violation. Idiot, Inc. has violated the FDCPA by engaging in conduct that is meant to harass, oppress or abuse a person; by falsely representing the character of a debt; by falsely representing the legal status of a debt; by failing to note the account in dispute to the credit reporting agency; by using false representation or deceptive means to attempt to collect a debt; by using unfair or unconscionable means to attempt to collect a debt. FDCPA liability holds statutory damages at $1,000 per action. Each account is considered a separate action. Idiot, Inc. has violated the OCPA by using deceptive trade practices and; by using unfair trade practices. Each violation of federal statue is considered an unfair and deceptive trade practice. OCPA liability holds statutory damages at $2,000 per violation.

Statutory damages alone in this case are $27,000. If no reasonable negotiation can be made, I will file this case in US District Court, where I will also ask for a jury trial, maximum punitive damages, declaratory relief, injunctive relief, and any other relief, monetary or otherwise, the court finds acceptable. In an attempt to keep this matter civilized and out of the courts, I am making the following offer: I will drop this case in its entirety if Idiot, Inc. agrees to all of the following stipulations: One of the accounts in question has an alleged balance of little more than $2,500. I ask that this account be closed for good, where no further collection activity is taken on this account, including phone calls, written correspondence, reporting it to any credit bureau, or selling, transferring or assigning it to any other collection agency. Each account listed above (#xxxxx, #xxxxxx, & #xxxxx) be removed from my credit files in their entirety and not reported again. Idiot, Inc. issue a check, payable to <your name>, in the amount of $3,500.

I believe this is more than fair, considering the magnitude of the violations committed by Idiot, Inc. Please note that the FDCPA is a strict liability statue and one only needs to show a violation occurred in order to be awarded statutory damages. Even if Idiot, Inc. simply removes the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer. If the listed stipulations cannot be agreed upon or negotiated, I will file this case in the US District Court, Northern District of Oklahoma. A federal complaint is being drawn up at this time and, unless communication is received from Idiot, Inc., service of said complaint and attached summons will be my next correspondence with your company. Also, please note a representative from your company (Ms. Other Idiot) has been attempting to contact me via telephone. The number she is using is a cellular phone and calls from your company on that line incur charges to me. This is a notice to your company that, after your receipt of this letter, calls from your company to that number will no longer be welcome. This includes calls from the representative's cellular phone (number listed as 918-xxx-xxxx), which she recently used in an attempt to contact me. Please inform your representative(s) of this. Only communication made in writing or via email will be acceptable. I expect a quick reply to this notice. Best regards, <Your Name>