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Stephen Einstein & Associates
39 broadway syuite 1250
New York NY 10006
Re: Collection Account for SYNCHRONY BANK
Account # xxix 00KxKX1352,
Matter # 330612.001
‘Amount: $2348.49
October 19,2019
Dear Sir or Madam,
{lam disputing the validity ofthe debt referred to above. | am not aware of the account number
and you have not informed me of the existence of this account.
11am willing to pay this account IN FULL at the amount of 900.00 if you agree to immediately
delete the account from the credit reporting agencies (namely Equifax, TransUnion and
Experian) that you have reported to, and validated this account. My sole purpose is to get this
iter removed from my file, This letter should not be interpreted as recognition of the debt or
acknowledgment of liability for the debt.
Ifyou accept the terms of this agreement, the certified amount of $900.00 will be sent to your
collection agency provided there is complete deletion of any reference to the debt from my file
onall the credit bureaus that you have reported to, and the debt is validated, As the full
amount agrred upon will be paid back, there should not be any waiting period to delete this
item from the reporting bureaus.
Your agency should delete all information regarding the account from my credit files within 10
business days from the receipt of the payment, as mentioned in this agreement. The terms of
this agreement will not be discussed with anyone but the original creditor. No third party will be
informed if contacted and no acknowledgment of the debt, any kind of payment, or settlement
will be discussed if | am contacted by the Reporting Agencies.
Following the acceptance of the agreement, please prepare a letter on your company letter
head unambiguously agreeing to wie aforementioned terms and conditions and ave It signed
by your agency's authorized signatory. Ths letter will imply a legal contract, enforceable under
NY. state law.
If do not receive an approval ietter within 15 days of your receipt of this letter, | will withdraw.
this offer.Piease communicate regarding this account to the address mentioned below
