Electronically Certified Official Record

DOCUMENT INFORMATION
Citrus County Clerk of the Circuit Court and
Agency Name:
Comptroller
Clerk of the Circuit Court: The Honorable Angela Vick
Date Issued: 6/4/2024 6:44:51 PM
Unique Reference Number: BAA-BAA-BCABH-CACDADFHCI-DEAHED-G
Instrument Number: 2023035728
Requesting Party Code: 100
Requesting Party
11449358
Reference:

CERTIFICATION
Pursuant to Sections 90.955(1) and 90.902(1), Florida Statutes, and Federal Rules of Evidence
901(a), 901(b)(7), and 902(1), the attached document is electronically certified by The Honorable
Angela Vick, Citrus County Clerk of the Circuit Court and Comptroller, to be a true and correct copy
of an official record or document authorized by law to be recorded or filed and actually recorded or
filed in the office of the Citrus County Clerk of the Circuit Court and Comptroller. The document
may have redactions as required by law.
HOW TO VERIFY THIS DOCUMENT
This document contains a Unique Reference Number for identification purposes and a tamper-
evident seal to indicate if the document has been tampered with. To view the tamper-evident seal
and verify the certifier’s digital signature, open this document with Adobe Reader software. You
can also verify this document by scanning the QR code or visiting
https://Verify.Clerkecertify.com/VerifyImage .
**The web address shown above contains an embedded link to the verification page for this particular document.
Unique Code : BAA-BAA-BCABH-CACDADFHCI-DEAHED-G Page 1 of 2

Digitally signed by Angela Vick

Date: 2024.06.04 18:44:55 -04:00
Citrus County Clerk of the Circuit Court and Comptroller
Location: 120 North Montgomery Ave., Inverness, FL 34450
Unique Code : BAA-BAA-BCABH-CACDADFHCI-DEAHED-G Page 2 of 2
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 Abdur kull $aayuaat
bi wah saamus pa temt-ta
Begin ALL Prayers and Thinking by using the AL

NOTICE TO PRINCIPAL IS NOTICE TO AGENT,

NOTICE TO AGENT IS NOTICE PRINCIPAL.

To: Santander Consumer USA

PO BOX 9118
Temecula, California 92589-9118

Greetings, I Am REGINALD OWENS ©™, this letter is in response to your attempts to contact me via email at
[email protected], and via USPS Mail at 7251 N. Ripley Drive Citrus Springs Florida
[34433] regarding an account for an alleged debt that is owed. I Demand that you provide me with validation of
this debt within 10 business days from the receipt of this letter. I do require satisfactory proof to substantiate
this alleged debt. (https://www.law.cornell.edu/uscode/text/18/1341).
Your response must include the following: who borrowed the cash, and in what account was the cash deposited?
An accounting of All ledgers of said debt from the beginning date of the original account. As you know, paper
statements cannot provide proof of any said debt. Verification must be provided through audit certification of
debt entry by following; G.A.A.P.,
(https://en.wikipedia.org/wiki/Generally_Accepted_Accounting_Principles_(United_States). IFRS
(https://www.ifrs.org/), Basel III (https://www.bis.org/bcbs/basel3.htm), and UNCITRAL Regulations,
(https://uncitral.un.org/sites/uncitral.un.org/files/media-documents/uncitral/en/06-54671_ebook.pdf),
(https://upload.wikimedia.org/wikipedia/commons/4/4a/Modern_Money_Mechanics.pdf). Failure to
substantiate this alleged debt within 10 days of this letter shall reflect the settlement of this account. Send me
certified copy of your Tax Registration Certificate. Please complete the W9-IRS and FR-2046 forms and return
them within 10 days as stated above.
(https://www.federalreserve.gov/apps/reportingforms/Report/Index/FR_2046).
(https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text).

Thank you for your time,

REGINALD OWENS ©™.

F.S. 671.207 All Rights Reserved.
c/o P.O. Box 166 HOLDER, FLORIDA [34433-0166] uSA Not Domestic.
5/12/23, 8:45 AM 18 U.S. Code § 1341 - Frauds and swindles | U.S. Code | US Law | LII / Legal Information Institute

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18 U.S. Code § 1341 - Frauds and swindles

U.S. Code Notes

Whoever, having devised or intending to devise any scheme or arti ce to defraud, or

for obtaining money or property by means of false or fraudulent pretenses,
representations, or promises, or to sell, dispose of, loan, exchange, alter, give away,
distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious
coin, obligation, security, or other article, or anything represented to be or intimated or
held out to be such counterfeit or spurious article, for the purpose of executing such
scheme or arti ce or attempting so to do, places in any post o ce or authorized
depository for mail matter, any matter or thing whatever to be sent or delivered by the
Postal Service, or deposits or causes to be deposited any matter or thing whatever to
be sent or delivered by any private or commercial interstate carrier, or takes or
receives therefrom, any such matter or thing, or knowingly causes to be delivered by
mail or such carrier according to the direction thereon, or at the place at which it is
directed to be delivered by the person to whom it is addressed, any such matter or
https://www.law.cornell.edu/uscode/text/18/1341 1/4
5/12/23, 8:45 AM 18 U.S. Code § 1341 - Frauds and swindles | U.S. Code | US Law | LII / Legal Information Institute

thing, shall be ned under this title or imprisoned not more than 20 years, or both. If
the violation occurs in relation to, or involving any bene t authorized, transported,
transmitted, transferred, disbursed, or paid in connection with, a presidentially
declared major disaster or emergency (as those terms are de ned in section 102 of the
Robert T. Sta ord Disaster Relief and Emergency Assistance Act (42 U.S.C. 5122)), or
a ects a nancial institution, such person shall be ned not more than $1,000,000 or
imprisoned not more than 30 years, or both.
(June 25, 1948, ch. 645, 62 Stat. 763; May 24, 1949, ch. 139, § 34, 63 Stat. 94; Pub. L. 91–
375, § (6)(j)(11), Aug. 12, 1970, 84 Stat. 778; Pub. L. 101–73, title IX, § 961(i), Aug. 9, 1989,
103 Stat. 500; Pub. L. 101–647, title XXV, § 2504(h), Nov. 29, 1990, 104 Stat. 4861; Pub. L.
103–322, title XXV, § 250006, title XXXIII, § 330016(1)(H), Sept. 13, 1994, 108 Stat. 2087,
2147; Pub. L. 107–204, title IX, § 903(a), July 30, 2002, 116 Stat. 805; Pub. L. 110–179, § 4,
Jan. 7, 2008, 121 Stat. 2557.)

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 CITRUS SPRINGS, FL 34433-6177
7251 N RIPLEY DR
OWENS REGINALD
000006786- DISC

Atlanta, GA 30348
P.O. Box 105069
CREDIT FILE : June 21, 2023
Confirmation # 3162503615
Dear OWENS REGINALD:
We are pleased to let you know that the results of the dispute you recently filed with Equifax are
complete. Here are a few things to know about the process:
Were changes made to my credit report and what actions were taken?
Please see the following page(s) for more detailed information on your specific results.
If we were able to make changes to your credit report based on the information you provided, we have
done so. Otherwise, we contacted the company reporting the information to Equifax for them to
investigate your dispute.
In this situation:
l We request that the reporting company verify the accuracy of the information you disputed;
l We provide them with any relevant information and supporting documentation you provided us
with the dispute to consider as part of the investigation; and
l We request that they send Equifax a response to your dispute and update their records and
systems, as necessary.
If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most
recent status of the public record.
How do I know that all of this is happening?
When the reporting company replies to us, they certify that they have followed Equifax's instructions and the law; considered all information and documentation
provided; and updated your information, as necessary.
What should I do if I do not agree with the results of the investigation?
You have a few options:
(Continued On Next Page) 3162503615-EMB-0c160102000002b0-06212023
Page 1 of 30
000006786-DISC
 l You should contact the reporting companies about the information you believe is fraudulent. Ask them to explain their fraud investigation process
and what steps you should take. If they agree the information does not belong to you, have them confirm this to you in writing. You can then send us
the written confirmation if the item continues to report on your credit file.
l You may add a statement of up to 100 words to your credit report. If you provide a consumer statement that contains medical information related to
services provided or medical procedures, then you expressly consent to including this information in every credit report we issue about you.
l You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts
(such as the original agreement), please contact your creditors directly.
l You may provide us additional information or documents (such as an identity theft report or a letter from the reporting company) about your dispute
to help us resolve it by visiting our website https://www.equifax.com/personal/disputes. You may also mail your documents to PO Box
740256, Atlanta GA 30374-0256 or contact us by calling a Customer Representative at (888) EQUIFAX, (888) 378-4329.
l You may contact the Consumer Financial Protection Bureau or your State Attorney General's office about your issue or complaint against Equifax or
the company reporting the information.
What else should I know?
If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated
report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose
(the past 12 months for residents of California, Colorado, Maryland, New York and New Jersey residents).
Also, if you are interested, you may request a description of how the reinvestigation was conducted along with the business name, address and telephone
number (if reasonably available) of the furnisher of your disputed information.
For frequently asked questions about your credit report and the dispute process, please visit Equifax at https://help.equifax.com/.
As always, we thank you for contacting Equifax and the results of your dispute are on the pages following this letter.
(Continued On Next Page) Page 2 of 30 3162503615-EMB-0c160102000002b0-06212023
000006786-DISC
How should I read my dispute results?
To better assist you with understanding the results of your dispute, please review the information below:
l If an item states "Deleted", we have removed it from your credit report and taken steps so it does not reappear.
l If an item states "Verified as Reported", the reporting company has certifed it is reporting accurately.
l If an item states "Updated", we have updated one or more fields on the item based on information received from the reporting company.
Updated disputed account information only: The information you disputed has been updated.
Updated disputed account information. Additional account information was also updated: The information you disputed has been updated as well as
other information on this item.
Disputed information accurate. Updated account information unrelated to the dispute: The information you disputed has been verified as accurate,
however, information unrelated to your dispute has been updated.
Consumer's dispute not specific. Consumer Information verified. Account information updated: Information on your report has been updated.
The Results Of Our Reinvestigation
Credit Account Information
(For your security, the last 4 digits of account number(s) have been replaced by *) (This section includes open and closed accounts reported by credit grantors)
1 : 30-59 Days Past Due 5 : 150-179 Days Past Due J : Voluntary Surrender
Account History 2 : 60-89 Days Past Due 6 : 180 or More Days Past Due K : Repossession
Status Code 3 : 90-119 Days Past Due G : Collection Account L : Charge Off
Descriptions 4 : 120-149 Days Past Due H : Foreclosure
>>> We have researched the credit account. Account # - *1000 The results are: WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE
FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION. If you have additional questions about this item please contact:
SANTANDER, REPORTING DISPUTES, PO BOX 961211, FORT WORTH, TX 76161 Phone: (888) 222-4227
SANTANDER CONSUMER USA REPORTING DISPUTES PO BOX 961211 FORT WORTH TX 76161 : 8882224227
Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification
*1000 04/14/2023 $16,685 72 Months Monthly
Date of Last Balance Amount Date of Last Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Deferred Pay Balloon Pay Balloon Pay Date
Reported Update Amount Past Due Payment Amount Amount Delinquency Activity 1st Rptd Amount Start Date Amount Date Closed
06/21/2023 $16,799 $351 04/2023
Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status
Pays As Agreed Installment Auto Individual Account
ADDITIONAL INFORMATION:
Auto
(Continued On Next Page) Page 3 of 30 3162503615-EMB-0c160102000002b0-06212023
000006786-DISC
Historical Account Information
Balance Scheduled Actual Date of High Credit Amount Type of Activity
Payment Payment Last Credit Limit Past Loan Designator
Amount Amount Payment Due
05/23 No Data Available
04/23 $16,799 $351 $16,685 Auto
(Continued On Next Page) Page 4 of 30 3162503615-EMB-0c160102000002b0-06212023
000006786-DISC
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