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Their investigation did not fix an error on your report. To : Valon Mortgage , Inc . From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX Date : [ Insert Date ] RE : Formal Rebuttal to CFPB Response CFPB Case # XXXX Loan Number Ending In : XXXX I. FAILURE TO REBUT LEGAL NOTICE AND EVIDENCE Valons response dated XX/XX/XXXX, fails to acknowledge or rebut my attached and properly served NOTICE OF UNCONSCIONABLE CONTRACT. This 5.7 MB affidavit was submitted under penalty of perjury and included sworn allegations of : Title 12 banking violations ( 12 U.S.C. 84, 93a, 371 ) OCC regulation violations ( 12 C.F.R. 7.1004, 215.3 ) Deprivation of rights under color of law ( 42 U.S.C. 1983, 1985 ) Unjust enrichment, fraud, and lack of lawful consideration Valon did not dispute a single