Before the Federal Communications Commission Washington, D.C. 20554

In the Matter of the ) Rules and Regulations ) Implementing the Telephone ) CG Docket No. 02-278 Consumer Protection Act of ) 1991 )

Reply Comments of Joe Shields on the Assurance IQ LLC

Petition For Expedited Declaratory Ruling

I write to the Commission in reply to the comments of

Healthcare Inc. and others that support the Assurance petition. The comments are not a true representative of how

Healthcare Inc. operates. Healthcare Inc. is nothing more than a marketer that lures consumers, or anyone else for that matter, into submitting personal information on their website without any verification of the identity of the individual that is submitting the personal information.

Without such verification Healthcare Inc. is aiding and abetting in “Online Impersonation” a 3rd degree felony in the State of Texas. I do not make such accusation lightly –

I have personally experienced online impersonation on their website healthcare.com. As far as I know the fabricated consent could have been fabricated by an employee of

Healthcare Inc. that submitted my name and phone number on their employers website.

Assurance Petition Reply Comment 7/6/2020 page 1 of 14 On December 20th, 2018 I began receiving automatically dialed calls from one of the 1,892 clients of Healthcare

Inc. without my prior express consent. The 1st call was routed to my voicemail because I was on a call at the time.

The call spoofed an active local number 2816881031 and rudely no voicemail was left clearly indicating the use of an autodialing device. On the same day one and a half hours later another automatically dialed call was made to my cell phone number spoofing the same active local number

2816881031. I answered the call and was confronted with a fraudulent claim that I had made an online inquiry for assistance with Medicare Supplement Plans. The caller stated they were license in Texas and that the call was being recorded. I replied that I was also recording the call and that I had not made any such inquiry. The caller replied again fraudulently claiming that my email address was used. That email address was not even a real email address as emails to that address bounced with an undeliverable response. The caller then rudely hung up on me after stating he would disposition the call as “not interested” before I could make a do not call demand.

The next day at 09:13 a.m. yet another automatically dialed call was made to my cell phone number without my prior express consent. This time a new local number

Assurance Petition Reply Comment 7/6/2020 page 2 of 14 2815022455 was spoofed. It was the same Healthcare Inc.

client that had called twice the day before. This call was

the third in less than 24 hours. I confronted the caller

about the calls the day before and I was again told my

personal information was “…inputted over the internet.”

During this call I was able to make a do not call demand

and got a response that “removal” (not placing my number on

a DNC list) “…takes up to thirty days…” Obviously this was

another lie as the caller can easily disposition the call

in their automatic dialer as no call which blocks further

calls to my number instantly.

I sent Healthcare Inc. client(s) a demand letter and

received a response laden with inconsistencies.

“We have investigated your claims and determined that an online request for a quote for Medicare Supplement was submitted on December 20, 2018 at Healthcare.com. A video playback from a third-party verification service shows that the online quote request form was submitted from an IP address which appears to originate from north central , and was populated with your first and last name, mobile telephone number and zip code.”

“Based on the foregoing, the Companies deny that they did anything wrong or that you have a valid claim against them.” That was the response I received because of the

Jornaya screen grab which did not prove and could not prove who had submitted my personal information on their website!

Assurance Petition Reply Comment 7/6/2020 page 3 of 14 The IP address was from North Central Ohio more than a thousand miles from where I live. The so called video playback was nothing more than a screen grab made by a company called Jornaya which is referenced by several commentors in this proceeding. The screen grab is attached with my reply comments. It should be noted that the claim made by Healthcare Inc. that they provide this “evidence” of consent to any consumer that asks for it is a lie. It was not provided to me until after I filed a TCPA claim in court.

What stands out in the screen grab is the fictitious email address that, had it been verified, would have clearly shone that it was a bogus email address. Further, the address 101 Tom Street does not exist in ZIP code 77546.

Simply put, whoever submitted my personal information on the Healthcare Inc. was generating leads for Healthcare Inc.

Once challenged by me a fabrication of my consent was created which by time stamp is after the 1st 2 automatically dialed calls were made to my cell phone.

The fact remains that I was signed up for autodialed calls to my cell phone without my consent. Healthcare Inc. accommodated some individual and aided and abetted some individual in harassing me. If Healthcare Inc. had verified the submission via email address or noted the ZIP code and

Assurance Petition Reply Comment 7/6/2020 page 4 of 14 IP address locations incongruity, or noted that the address

101 Tom Street was non-existent then the lead should not have been sold to any of their clients.

The attached screen grab was provided to me during litigation of the calls. To my astonishment I found out that this Healthcare Inc. sold my personal information to hundreds of their clients. Healthcare Inc. has a client list on their web site that contains 1,892 clients which is linked to in their alleged TCPA compliant web form.

“By submitting your information and clicking below, you represent that you are at least 18 years old and agree to be contacted by HealthCare, Inc. and/or Its partner companies and any of their commercial partners for various insurance products through the use of automated telephone dialing systems, pre-recorded messages, and/or text messages. Message and data rates may apply. Your consent Is not a condition of purchase. This program is subject to our Privacy Policy and Terms of Use.” The above alleged TCPA compliant statement is nothing more than a disclaimer as Healthcare Inc. does nothing to confirm that the owner of the telephone number is the one actually using the web form.

Further, there are many false statements made by

Healthcare Inc. in its comments. For example:

“…there are persons who seek to exploit the TCPA’s strict liability for statutory damages by providing their personal information on a webform, agreeing to be contacted, but then after receiving a phone call or text message, claim they never provided their consent.”

Assurance Petition Reply Comment 7/6/2020 page 5 of 14 Really? Instead of lip service show some proof of this claim! These false allegations are repeatedly made in the courts and are never proven. I was accused by Healthcare

Inc. of doing exactly that when their own evidence proved otherwise.

“…or write an extortion check.” Extortion? Yes I have been repeatedly accused of that as have many victims of

TCPA violations. One attorney even contacted the Harris

County DA’s office and tried to have me arrested for extortion. The retaliatory threats from this attorney did not end until I filed suit against her client. Needless to say I prevailed in my claim and nothing ever came out of the false accusation of extortion. As in that case the allegation of litigate “…or write an extortion check.” Is a bald faced lie.

“…meritless litigation.” Yes I have been repeatedly accused of filing meritless TCPA lawsuits. Every consumer

TCPA lawsuit is meritless according to businesses and the lobbyist for their industry that file comments with the FCC.

Commentor Healthcare Inc. stated “…frivolous lawsuits…”.

Quote Wizard stated twice: “…baseless lawsuits…” Commentor

NextGen Leads stated “…frivolous lawsuits…”. Almost every business and lobbyist that comments in these proceedings

Assurance Petition Reply Comment 7/6/2020 page 6 of 14 make the same bald faced lies that all TCPA lawsuits are meritless and frivolous.

I sent a letter via provable delivery method to

Healthcare Inc. and demanded that Healthcare Inc. provide me with the names of each and every one they sold my personal information to. Healthcare did not even have the courtesy to respond to my letter. To this day my family and

I have endured hundreds of illegal healthcare telemarketing calls and robocalls claiming to be responding to my alleged online application for Medicare Supplemental Insurance.

Healthcare Inc. profited from the harassment of me and my family that continues to this day! Healthcare Inc. did not even apologize or offer any help in stopping the calls.

What Healthcare Inc. does to people and their privacy is a crime and should not be something the Commission should sanction.

Healthcare Inc. asks the Commission to “…stop bad actors…”. The real bad actors are those that generate leads using questionable methods such as Healthcare Inc.

Healthcare Inc. needs to look in the mirror when the say bad actors.

The petitioner and business commentors want the

Commission to grant them a “reasonable reliance” exemption.

Even if the Commission could do such a thing they don’t

Assurance Petition Reply Comment 7/6/2020 page 7 of 14 deserve it. More importantly, if the Commission grants the

petition it will encourage fraudulent web form submissions.

The TCPA will then become an opt out instead of opt in

statute and prior express consent will become meaningless.

Healthcare Inc. also wants the Commission to believe

that a prerecorded voice call is not a prerecorded voice

call if it is delivered as an introduction. What’s next?

Their industry and their attorneys will claim a prerecorded

call is not a prerecorded call if the recording is made in

several deferent sentences. That will exempt every robocall

being made.

We know what their real agenda is. They want SCOTUS to

declare the entire TCPA as unconstitutional. They lost that

argument as SCOTUS today upheld the 4th Circuits severing the Obama robocall debt collection exemption.

The TCPA has no language exempting “introduction” prerecorded or artificial voice calls. There is no exemption in the TCPA for prerecorded or artificial voice calls made by someone pushing playback buttons. The petition on “introduction” robocalls is duplicative of the soundboard petitions. It is beyond ridiculous when the

Commission entertains every petition filed even when it’s a duplicate of other petitions. That is a waste of consumer tax payer dollars. The Commission should use stricter

Assurance Petition Reply Comment 7/6/2020 page 8 of 14 scrutiny in accepting duplicative petitions full of lies and innuendo.

The Commission cannot create an exemption for

“reasonable reliance” on perceived prior express consent.

The TCPA is clear on that point and the courts are all in agreement on that. See my comments on this petition and the attached list to my comments of decisions from the courts.

One commentor, TCN Inc. claims the statutory phrase “called party” mentioned multiple timers in the TCPA means

“expected recipient”. This comes after 4 Federal appeals courts and 43 Federal district courts have found that called party is the one that receives the call and not some intended or expected recipient.

It is black letter law that prior express consent can only be obtained from the called party. The Commission should be aware that if the petition is granted that the web form owners will be free to load purchased lists of cell phone numbers into their web forms with impunity and consumers will have to opt out of not millions but billions of unwanted and unauthorized robocalls to their cell phones.

Lastly, TCN Inc. cites multiple times to Commissioner

Pai and his cohort O’Rielly anti-consumer and anti-TCPA comments. These two Commissioners have fallen for the industry’s lies of frivolous and meritless TCPA lawsuits.

Assurance Petition Reply Comment 7/6/2020 page 9 of 14 Their personal opinions are not based on true facts or law and carry no weight whatsoever in regard to this particular petition.

We get at least a half dozen unwanted and unauthorized robocalls every day. We have received dozens of illegal automated text messages and when I dared file a lawsuit to address them I am called without a shred of evidence a convicted criminal, a vexatious litigant, an extortionist, that I concealed my prior express consent (which is impossible to do), I engage in entrapment and that I have amassed millions of dollars from TCPA lawsuits.

Where is all this money? We can’t afford to finish repairing our flooded home after Harvey. I am attaching just one reply to my Interrogatory requests so that the

Commission can see for itself how consumers are treated when the dare to file a proper claim for unwanted and unauthorized automated text message calls to our cell phones.

The commentor Healthcare Inc. is correct on one aspect of the Assurance petition. The Commission should stop the bad actors. The Commission can put a stop to bad actors by denying the petition. The Commission must take affirmative action to reduce the tsunami of robocalls consumers are besieged with not create loopholes for even more robocalls.

Assurance Petition Reply Comment 7/6/2020 page 10 of 14 The Commission must deny the petition in its entirety.

Consumers deserve no less than a complete rejection of the petition.

Respectfully submitted.

_____/s/______

Joe Shields Texas Government & Public Relations Spokesperson for Private Citizen Inc. 16822 Stardale Lane Friendswood, Texas 77546

Assurance Petition Reply Comment 7/6/2020 page 11 of 14

Jornaya Fabrication of Consent

Assurance Petition Reply Comment 7/6/2020 page 12 of 14 LsD: 31C1976-430F-8013-1012324(ED81CF. VISUAL PLAYBACK L.adlD Caad: Dec 20, 2018 1b31:41 (IMT+0000

Let's connect you with instant Medicare insurance X quotes for Friendswood, TX.

Match Data HealthCarecom has helped 3000000 people find better health insurance,

Enter values to see if those values match what was actually entered during the lead event Almost Done! Joe

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DISCLOSURES REGARDING THIS VISUAL PLAYBACK: All rights reserved. All aspects or the service provided by Jornaya hereunder - including, e.g., the Visual Playback player, the Jomaya Web site, and the processes used by Jomaya in providing the service - are the exclusive property or Jomaya and as licensors. The Visual Playback and the data statiC available through its use are subject to confidentiality obligations at at times By accessing and using the service provided hereunder, you represent and warrant that you have the authority to act on behalf or a valid subscriber to the service, that you shall use the service in Compliance Wilto the terms and conditions on which it is provided, and that you shall use any data made available through the use or the service for its Intended purposes only.

Healthcare Inc. Partner List

Assurance Petition Reply Comment 7/6/2020 page 13 of 14 List of 1,892 Healthcare Inc. Partners

From https://www.healthcare.com/partner-companies

1. 21st Century Insurance 2. 2insure4less 3. 4th Dimensional Leads 4. A&B Insurance 5. A&B Insurance and Financial 6. AAA Insurance Co. 7. AABCO 8. AARP 9. ABCLeads 10. Abrazo Health 11. ABS Healthcare 12. ABS Insurance 13. ACA Express 14. Acceptance 15. Access Insurance 16. AccordantMedia 17. Accuquote 18. Ace Solutions 19. Acordia 20. Acquisition Tech 21. Acquisition Technologies 22. Admaric 23. Admediary 24. Admiral Life 25. Adrea Rubin 26. Adrea Rubin Marketing 27. Adsparkx Digital 28. Advantage Protection 29. Advantra 30. Advice & Life 31. Advocate Health 32. Advocator Group 33. Aegis First 34. Aegis Security 35. Aegon US Holding Corp. 36. Aetna 37. Affiliated Benefits Group 38. Affiliated Brokers Insurance 39. Affiniti Financial, LLC 40. Affinity Health Plan 41. Affirmative 42. Affordable Health Direct 43. Affordable Life USA 44. AFLAC 45. AGA 46. AGA, Inc 47. AgedLeadStore.com 48. Agent Insider 49. AgentCubed Marketplace 50. AgentFranchise, LLC 51. Agentra Healthcare 52. Agile Health 53. AHCP 54. AHH 55. AHIA 56. AHIX 57. AIA Direct 58. AIG 59. AIG Direct 60. AIO 61. AIP 62. AIS 63. AIU 64. AIU Insurance 65. Akila Digital 66. Aldridge Insurance Group 67. Alfa Insurance 68. Aliera Healthcare 69. All Digital Promotions 70. All Nation 71. All Risk 72. All Web Leads 73. All Web Leads Company Allied Insurance 74. Allegiant Group 75. Allen Insurance Agency, LLC 76. Alliance & Associates 77. Alliance 321 78. Alliance and Associates 79. Alliance Health 80. Alliance Insurance 81. Alliance National Health 82. Allianz 83. Allied 84. Allied Coverage 85. Allied Health 86. Allied Insurance 87. Allied Insurance Partners 88. Allina Health 89. Allstarz 90. 91. Allstate County Mutual 92. Allstate Indemnity 93. Allstate Insurance 94. ALLWEB 95. AllWebLeads 96. Alphatech Resource Holdings s.r.o 97. America Direct 98. America's Health Care Plan 99. America's Insurance 100. America's Trust, Inc. 101. American 102. American Advisors Corp. 103. American Alliance 104. American Alliance Insurance 105. American Automobile Insurance 106. American Banks 107. American Benefits Group 108. American Casualty 109. American Continental 110. American Deposit Insurance 111. American Direct Business Insurance 112. American Economy 113. American Empire Insurance 114. American Family 115. American Family Insurance 116. American Family Mutual 117. American Fidelity Assurance 118. American Fidelity Corp. 119. American Financial 120. American Financial Group, LLC 121. American General 122. American Health Hub 123. American Health Plans 124. American Health Professionals, Agency 125. American Health Underwriters 126. American Home Assurance 127. American Income Life Insurance Company 128. American Income Life Insurance Company Family 129. American Insurance 130. American Insurance Agencies 131. American Insurance Agencies Direct Inc. 132. American Insurance Organization 133. American Insurance Organization, LLC 134. American International 135. American International Ins 136. American International Pacific 137. American International South 138. American Life & Health 139. American Manufacturers 140. American Mayflower Insurance 141. American Motorists Insurance 142. American National Insurance 143. American National Insurance Co 144. American National Insurance Company 145. American National Property and Casualty 146. American Premier 147. American Premier Insurance 148. American Protection Insurance 149. American Reliable 150. American Republic 151. American Republic Insurance Co. 152. American Savers Plan 153. American Security Insurance Company 154. American Service Insurance Agency 155. American Skyline Insurance Company 156. American Spirit Insurance 157. American Standard 158. American Standard Insurance - OH 159. American Standard Insurance - WI 160. American Standard Insurance – OH 161. American Standard Insurance – WI 162. American States 163. Americans Choice Health 164. Americare 165. Americare Group 166. Americare/American Enterprise 167. Americas Health Brokers 168. Americas Health Group 169. Americas Trust, Inc. 170. America’s Health Advisors 171. America’s Health Care Plan 172. America’s Insurance 173. America’s Trust, Inc. 174. AmeriChoice 175. Americo 176. Amerigroup 177. AmeriHealth 178. Amerilife 179. AmeriPlan 180. Ameriprise 181. Ameriprise Financial Group 182. Ameriquote 183. Amerisure 184. Ameritas Life 185. Amica 186. Amica Insurance 187. Angelic Marketing Group 188. Angelic Marketing Group, LLC 189. ANPAC 190. Answer Financial 191. Anthem 192. Anthem / BCBS 193. Anthem BCBS 194. Anthem Blue Cross and Blue Shield 195. Anthem/BCBS 196. AON 197. Aon Corp. 198. Apex Healthcare Advisors 199. Apex United Corp. 200. API 201. Apliant 202. Apollo Group 203. Apollo Insurance Group 204. Apollo Interactive 205. Aragon Advertising 206. Arbella 207. Ardent Health Services 208. General 209. Armed Forces Insurance 210. Assigned Risk 211. Associated Indemnity 212. Associated Insurance Managers 213. Assurance 214. Assurance IQ 215. Assurance IQ, Inc. 216. Assurant 217. Assurant, Bankers Life and Casualty 218. Assured Life 219. Astonish 220. Astoria Company 221. Atlanta Casualty 222. Atlanta Specialty 223. Atlantic Blue Media 224. Atlantic Health 225. Atlantic Indemnity 226. Atlantis 227. Atomic Leads 228. Audience Serv 229. Austin Mutual 230. Auto Club Insurance Company 231. Auto Insurance Guide 232. Auto Owners 233. Avendia Management 234. Avenge Digital 235. Avesis 236. Aviva 237. Avmed 238. AvMed Inc. 239. Avomark 240. AXA Advisors 241. AXA Insurance Group 242. Badger Mutual 243. Banker's Fidelity 244. Bankers & Shippers 245. Bankers Life and Casualty 246. Banker’s Fidelity 247. Bankrate 248. Bankrate Insurance 249. Bankrate, Inc. 250. Banner Life 251. Bantam Connect 252. Bantam Connect LLC 253. Bargain Hunters 254. Bartleson Brokers 255. Bayside 256. BBRS Group 257. BCBS 258. BCBS Georgia 259. BCBS of Florida 260. BCBS of Michigan 261. BCBS Ohio 262. Beacon Leads, LLC 263. Beazley Group 264. Benefit Advisors 265. Benefit Concepts 266. Benefit Mall 267. Benepath 268. Benepath Health Insurance 269. Best Agency USA 270. Best Obamacare 271. BestQuotes 272. BGA Insurance 273. BH Insurance Solutions, LLC 274. Blip Marketing 275. Blip Marketing (DBA) 276. Blue Choice 277. Blue Choice 278. Blue Cross 279. Blue Cross - Anthem 280. Blue Cross and Blue Shield 281. Blue Cross and Blue Shield Association 282. Blue Cross Blue Shield 283. Blue Cross Blue Shield of Nebraska 284. Blue Cross of South Carolina 285. Blue Cross/Blue Shield Association Companies 286. Blue Ink Digital 287. Blue Nile 288. Blue Shield of CA 289. Blue Shield of 290. Blue Whale Media 291. Blue Wing Ads 292. BlueCross/Blue Shield Association Companies 293. BMO Corp Inc 294. BMP Insurance 295. Bold Media Group 296. Bolt 297. Bonneville 298. Boost 299. Boost Health Insurance 300. Boston Old Colony 301. Bravo Health 302. Bright Health Plan 303. Bright Home Energy 304. Brightway 305. Brokers Revolution 306. Brooke Franchise Corporation 307. Brooke Insurance 308. Brookstone Financial 309. BRXTN Digital Media 310. Btel 311. Btel Communications 312. Budget Family Insurance 313. Builders 314. c0aster 315. C3 Data LLC 316. Caitlin Insurance Co. 317. Cal Farm Insurance 318. California Casualty 319. California State Automobile Association 320. Call Blade 321. Call Center Partnerships 322. Call Lead Solutions 323. Call Trader 324. Call Trader LLC 325. Call4SeniorSavings.com 326. Cambia 327. Camden 328. CAN 329. CancerInsurance.com 330. Candid Maven 331. Capital Choice 332. Capital District Physicians Health Plan 333. Capital Health Insurance of America 334. Carchex 335. Care Entrée 336. CareMore 337. Caresource 338. CareZone 339. Carezone Inc. 340. CareZone Insurance Services 341. Carle Clinic Association 342. Cascade National Ins 343. Casualty Assurance 344. Catholic Financial Life 345. CDPHP 346. CEGE 347. Cege Media 348. Celtic Insurance 349. Centene 350. Centene Corp. 351. Centene Corporation 352. Centennial 353. Century Benefits 354. Charter Oak 355. Chase Insurance Group 356. Cherry Blitz 357. Chesapeake 358. Chicago Insurance 359. Chinese Community Health Plan 360. Choice Direct 361. Choice Health Insurance 362. Choice Insurance 363. Christian Fidelity 364. Chubb 365. Church Mutual 366. Cigna 367. Citigroup 368. Citirex 369. Citizens 370. Citizens Disability 371. Clarendon American Insurance 372. Clarendon National Insurance 373. Clean Energy Concepts 374. Clear Choice Health 375. Clear Link Insurance Agency, LLC 376. Clear One 377. Clearlink 378. Cloudia Assistant 379. Cloverleaf 380. CMG Solutions 381. CNA Insurance 382. CNO Financial Group, Inc 383. CO Farm Bureau 384. Colby Direct 385. Colonial 386. Colonial Insurance 387. Colonial Life & Accident Insurance Company 388. Colonial Penn 389. Bankers 390. Combined 391. Commercial Marketing Group 392. Commercial Union 393. CommercialInsurance.net 394. Commonwealth 395. Communicating for America 396. Community Care 397. CommunityCare 398. Compare Insurance Quotes 399. Compare.com 400. CompareInsuranceQuotes 401. Comparison Market 402. Connect Insurance Brands 403. Connect One Health 404. Connect Plus 405. Connect Rite Bpo 406. ConnectiCare 407. Conseco 408. Conseco Life 409. Consolidated USA Insurance 410. Consumer United 411. Contactability 412. Continental Casualty 413. Continental Divide Insurance 414. Continental Insurance 415. Continental Life 416. Conventry 417. Corner Shop Media 418. Coto Insurance 419. Cotton States Insurance 420. Cottonwood 421. Country Companies 422. Country Financial 423. Country Insurance and Financial Services 424. Countrywide Insurance 425. Coventry 426. Coventry Health Care 427. Coverage Cure Inc 428. Coverage One 429. Coverage One Insurance 430. Coverage One Insurance Group LLC 431. Coverage One Insurance Group, LLC 432. Coverage One Insurance Group, LLC. 433. Coverance Insurance Solutions, Inc. 434. Coverdell 435. CoverHound 436. Covertech, Inc 437. Covida 438. Creative Emarketing 439. Creative Intellects 440. Creative Intellects, Inc. 441. Credit Union 442. Criterion 443. Crosspointe Insurance 444. Crosspointe Insurance Advisors 445. CS Marketing 446. CSE 447. CSE Insurance Group 448. CUNA Mutual Group 449. CXP Insurance Services 450. CXP Insurance Services, LLC 451. Cypress Health Corp. 452. Dairyland 453. Dairyland County Mutual Co of TX 454. Dairyland Insurance 455. Dakota Fire 456. Datalot 457. DataMax 458. Datastream Group, LLC 459. Datwerx 460. Dean Health 461. Deerbrook 462. Delphi Financial 463. Delta Dental 464. DentalInsurance.com 465. Depositors Emcasc 466. Design Benefit Plans 467. Diablo Media 468. Digiline Media 469. Digital DBA 470. Digital Market Media 471. Digital Market Media, Inc 472. Digital Marketing Group 473. Digital Media Solutions DBA Forte Media Solutions 474. Digital Thrive 475. Digital Thrive, LLC 476. Direct Auto 477. Direct General 478. Direct Impact Leads 479. Direct Marketing Group 480. Direct Property & Casualty 481. Direct STM 482. Direct Web Advertising 483. Disability Advisor 484. Discount Insurance Quotes 485. Dixie 486. Dobak Holdings LLC 487. Doc Auto Insurance 488. DoublePositive 489. Drake Life 490. DressanderBHC 491. Drips 492. Drobu 493. DTRIC 494. E Broker Center 495. e-Telequote 496. e-TeleQuote Insurance 497. e-TeleQuote Insurance, Inc. 498. Health 499. eAmerifamily 500. East Coast Health Insurance 501. Ebco General 502. EC Insurance 503. Economy Fire & Casualty 504. Economy Preferred 505. Efinancial 506. eHealth 507. EHealth - JUMBO 508. eHealth Insurance 509. eHealth Insurance Services 510. eHealthInsurance Services 511. eHealthInsurance Services, Inc. 512. Ehealthinsurance.com 513. Elderplan 514. Electric 515. Electric Insurance 516. Elephant 517. Elephant Insurance 518. Elite Choice Health 519. Elite Health 520. eMarketing Media Group 521. EmblemHealth 522. EMC 523. Emerald Enterprise Corp 524. Empire 525. Empire Consumer Services 526. Employers Fire 527. Empower Brokerage 528. Encompass 529. Energy Alliance 530. Enginefish, LLC 531. Enrollment Services Inc. 532. Ensure 533. Ensurem 534. EPath 535. EPIQ 536. Equita Group 537. Equita Group Final Expense Services 538. Equitable Life 539. Erie Insurance Company 540. Erie Insurance Exchange 541. 542. Erie Insurance Property and Casualty 543. Esurance 544. Everest Financial & Insurance Services 545. Every Choice Insurance 546. Exact Match Media 547. Exact Match Media, LLC 548. Excel Impact 549. Excel Impact LLC 550. Excel Impact, LLC 551. ExcelImpact, LLC 552. Excelium Group 553. Excella Benefits, Inc. 554. Excellus 555. Expert Marketing 556. Explorer 557. Extend Health 558. Facility 559. Fallon Community Health Plan 560. Family First Insurance Advisors 561. Family First Insurance Advisors LLC 562. Family Life 563. Family/Rural 564. Farm and Ranch 565. Farm Bureau 566. Farm Bureau/Farm 567. Farmers Insurance 568. Farmers Insurance Exchange 569. Farmers TX County Mutual 570. Farmers Union 571. Farmland 572. Federal 573. Federated 574. Federated American 575. Federated Group 576. Fidelis 577. Fidelity and Guaranty Life 578. Fidelity Health Group 579. Fidelity Insurance Company 580. Fidelity Investments Life 581. Fidelity Life 582. Fidelity National 583. Fidelity Security Life 584. Field of Leads Ltd. 585. Fields of Leads 586. Final Expense Assistant 587. finalexpenseassistant.com 588. FinanceBox.com 589. Financial Indemnity 590. Fiorella Insurance 591. Fiorella Insurance Agency 592. Fiorella Insurance Agency, Inc. 593. Fire and Casualty Insurance Co of CT 594. Fireman's Fund 595. Firemans Fund 596. Fireman’s Fund 597. First Acceptance Insurance 598. First American 599. First American Financial 600. First Choice Health 601. First Family Insurance 602. First Family Insurance 603. First Family Insurance Advisors 604. First Family Insurance Advisors 605. First Financial 606. First General 607. First National 608. First Option Health 609. First Preferred Insurance 610. FLEX Marketing Group 611. Flexquote 612. Maher Financial and Insurance 613. Florida Blue 614. Flyhigh 615. Ford Motor Credit 616. Forefront Insurance 617. Foremost 618. Foresters 619. Forethought 620. Formza 621. Formza, LLC 622. Fortegra 623. Fortegra Insurance 624. Fortegra Insurance Agency 625. Fortegra Personal Insurance Agency 626. Fortis 627. Franklin 628. Fred Loya Insurance 629. Freedom health 630. Freedom National 631. Freeway Insurance 632. Fresh Leads 633. Fresh Leads, Inc. 634. Gainsco 635. Garrett Laughlin LLC 636. Gaurantee Trust Life 637. Geber Life 638. GEICO 639. Geico Casualty 640. Geico General Insurance 641. Geico Indemnity 642. Geisinger 643. Geisinger Insurance 644. Generation Life 645. Generation Life Insurance 646. Genesis Health 647. Genworth 648. Genworth Financial 649. George Kopp Insurance 650. Gerber 651. Gerber Insurance Company 652. Gerber Life 653. Gerber Life Insurance Company 654. Get My Life Insured 655. Get Seen Media 656. GetAuto 657. GetInsured 658. Getinsured.com 659. GetMeHealthCare.com 660. GHI 661. GigUp 662. Globalsky BPO 663. Globe Life 664. Globe Life Insurance Company 665. Globe Life Insurance Company of 666. GMAC Insurance 667. GMAC/NGIC 668. Go Direct Lead Generation 669. Go Direct Lead Generation, LLC 670. GoDirect Leads Generation 671. GoHealth 672. GoHealth 673. GoHealth - UE Calls 674. GoHealth Insurance 675. GoHealth.com 676. GoHealth/Norvax 677. GoHealthInsurance.com 678. Goji 679. Golden Rule 680. Golden Rule Insurance 681. Golden Rule Insurance Co. 682. Golden Rule Insurance Company 683. GoMedicare 684. GoMediGap 685. GotConsumer 686. Government Employees 687. Government Employees Insurance 688. Government Personnel Mutual Life 689. Grange 690. GRE Harleysville H 691. Great American 692. Great Way 693. Great West 694. GreatAmerican 695. Green Home Advantage 696. Grey Peaks 697. Grinnell Mutual 698. Group Health Cooperative 699. Group Health Incorporated 700. Guaranteed Benefits 701. Guaranteed Health 702. Guaranteed Health Options 703. Guaranty National 704. Guaranty National Insurance 705. Guardian 706. Guardian Health Group 707. Guardian Healthcare 708. Guardian Life 709. Guide One 710. Guide One Insurance 711. Guide To Insure 712. GuidePointe Solutions 713. Guidestar Marketing Group LLC 714. GuideToInsure 715. Halcyon 716. Hanover 717. Hanover Lloyd's Insurance Company 718. Hanover Lloyd’s Insurance Company 719. HAP Health Alliance 720. Happy Days 721. Hartford 722. Hartford AARP 723. Hartford Accident and Indemnity 724. Hartford Casualty Insurance 725. Hartford Fire & Casualty 726. Hartford Fire Insurance 727. Hartford Insurance Co of 728. Hartford Insurance Co of the Southeast 729. Hartford Life 730. Hartford Omni 731. Hartford Underwriters Insurance 732. Harvard Commonwealth Health Plan 733. Harvard Pilgrim 734. HasTraffic 735. Hawaii Medical Service Association 736. Hawaii Medical Services Association 737. Hawkeye Security 738. HCC Insurance holdings 739. Headquarter Insurance 740. Health & Life Advantage 741. Health 1nsurance.com 742. Health Advisors 743. Health America 744. Health and Life Associates 745. Health and Life Plans of America 746. Health Benefits Center 747. Health Benefits Direct 748. Health Benefits One 749. Health Care Service Corp. 750. Health Care Solutions 751. Health Choice One 752. Health Connection Insurance 753. Health Corp USA 754. Health Coverage Fast 755. Health Dime 756. Health eDeals 757. Health Enrollment Center 758. Health Exchange Agency 759. Health First Advisors 760. Health Heritage Advisors 761. Health I.Q. 762. Health Insurance Advantage 763. Health Insurance Advisors 764. Health Insurance Alliance 765. Health Insurance Alliance, LLC 766. Health Insurance for Everyone 767. Health Insurance Innovations 768. Health Insurance of America 769. Health Insurance Services 770. Health Insure For You 771. 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Zurich North America or other partners.

Discovery Response From A TCPA Defendant

Assurance Petition Reply Comment 7/6/2020 page 14 of 14 1. Describe fully and in detail how the Defendant Eric B. Dick obtained Plaintiff's 281-467- telephone number.

Defendant objects to the relevance of this question. Plaintiff is going on a fishing investigation to allure and find more victims for Plaintiff to pat down. Plaintiff is a professional litigant and Plaintiff's information, including Plaintiff's phone number, is a matter of public knowledge and record. See attached documents which are to be incorporated in this response wholly. Defendant notes Plaintiff appears to be a vexatious litigant as defined under Texas Civil Practice and Remedies Code, Chapter 11. Furthermore, it was likely the legislative intent to stop people such as Plaintiff from making careers out of filing predatory lawsuits.

Plaintiff apparently created a predatory business practice of tricking and baiting people into sending Plaintiff phone calls or text messages. After which, Plaintiff threatens bogus demand letters and lawsuits in exchange for windfall and profit. Upon information and belief, Plaintiff actively distributes Plaintiff's phone number in anticipating that unknowing victims may text or call Plaintiff. Similar to a Black Widow, Plaintiff creates a web by distributing Plaintiff's information to marketing websites, companies and other public information vehicles in attempts to unwillingly trap Plaintiff's victims. Upon information and belief, Plaintiff may send up to a dozen demand letters a week and ultimately collect hundreds of thousands of dollars for ransoming frivolous lawsuits in exchange for dollars. Be it not mistaken, Plaintiff is by definition a professional plaintiff specializing in filing frivolous lawsuits relating to robocalls and/or text messages. Plaintiff has made a lucrative career of doing this for the last decade. In the instant case, Plaintiff may have received one singular text message from a volunteer. In response, Plaintiff demanded in excess of $1,000 which is a hefty price considering the subject matter of the text was an effort to legalize charity.

Defendant further objects as Plaintiff, and Plaintiff's phone number are not private and have been on display in public records in excess of a decade. After that, Plaintiff received a bit of notoriety for filing Plaintiff's fake news lawsuits. Upon information and belief, after Plaintiff files false and misleading demand letters and lawsuits, Plaintiff then sends out press releases and emails to reporters in an effort to further shame and intimidate Plaintiff's unknowing victims. Plaintiff tries to trick and coerce Plaintiff's victims into entering into an agreement to pay Plaintiff a sum of money. In addition, Plaintiff further coerces Plaintiff's victims into paying Plaintiff more money. For example, Plaintiff sued Royal Bahama Cruise Line. There, Plaintiff baited Plaintiff's victims into entering into an agreement with Plaintiff. Plaintiff consented to receiving a phone call from Royal Bahama Cruise Line then, lied and said Plaintiff did not. Plaintiff visited the Royal Bahama Cruise line website one month before. Plaintiff received an "unsolicited" phone call. Plaintiff also had email communications with Royal Bahama Cruise Line one month before service was activated on the phone number. In addition, Plaintiff filed over 174 comments with the FCC relating to the telephone consumer protection act of 1991. Plaintiff likes to use the legal process to obtain confidential information from Plaintiff's victims, leverage that into a settlement and then distribute the confidential information nonetheless. Furthermore,

Page Number 2 of 12 Plaintiff intentionally files these intentional and annoying lawsuits in Federal Court in an effort to avoid any Anti-Slapp Statute.

Defendant is uncertain of certain information requested and will supplement if this information becomes available.

2. Describe fully and in detail how the Defendant Eric B. Dick made the text message call to Plaintiff's cellular telephone

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