https://www.facebook.com/share/r/18ua6cwaJd/?mibextid=wwXIfr

https://youtu.be/KSyHWMdH9gk?si=ZOJfugR-u6r5mJMI

https://www.law.cornell.edu/uscode/text/15/1666b

24-72 Hour Transunion Collection Deletion Hack First Step Download The Credit Karma App 2nd Step Go to accounts tab.Select the negative item and Select dispute items 3rd Step While in the dispute center DO NOT SELECT ANY OWNERSHIP Under Reasons select “This account is involved in litigation “ 4th Step Put this for the comment section “I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists”

name} {client_last_name} {client_address} {bdate} {ss_number} 9/03/2023 {bureau_name} {bureau_address} I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. § 1692g(b) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. {dispute_item_and_explanation} I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt cannot be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code § 1692g - Validation of debts. If information is not provided or the false reporting isn’t removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and $1000 per violation. Sincerely, {client_first_name} {client_last_name} {client_signature} Attach ID, SS, and POA (Proof of Address