Equifax
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Sorateq Studio
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MM/DD/YYYY
To whom it may concern,
Opening paragraph about FCRA rights and Metro 2 compliance…
Second paragraph requesting verification…
Listed below are the Personal Information that are being challenged
Item description
Listed below are the Accounts that are being challenged
WILSHIRE CONSUMER CRED – AccountNumber
COLLECTION MANAGEMENT – AccountNumber
CAPITAL ONE – AccountNumber
Listed below are the Inquiries that are being challenged
CREDITOR – Date
WILSHIRE CONSUMER CRED
Account_Type | Balance: $5397.00
Account # BS-7316614XX
Credit Limit BS-11$5397.00
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12$5397.00
Date Last Active BS-8– (!)
Account Type Detaillate_payment (!)
Balance BS-21$5397.00 (!)
Date of Last Payment BS-27–
Account Status BS-17A–
Past Due BS-22–
Date Opened BS-1007/29/2024
Bureau CodeIndividual account (!)
Monthly Payment BS-15$0.00 (!)
7 Year History30: 0 60: 0 90: 0
Payment Status BS-17B– (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: May 2025 – 30 days late, May 2025 – Repossession
Dispute paragraph using verify_authorized and provide_docs. Reference FCRA 15 U.S.C. 1681i(a)(5)(A).
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Equifax
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Sorateq Studio
, ,
, ,
MM/DD/YYYY
To whom it may concern,
COLLECTION MANAGEMENT
Account_Type | Balance: $783.00
Account # BS-7577149XX
Credit Limit BS-11$783.00
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12$783.00
Date Last Active BS-8– (!)
Account Type Detaillate_payment (!)
Balance BS-21$783.00 (!)
Date of Last Payment BS-27–
Account Status BS-17A–
Past Due BS-22–
Date Opened BS-1006/23/2025
Bureau CodeIndividual account (!)
Monthly Payment BS-15$0.00 (!)
7 Year History30: 0 60: 0 90: 0
Payment Status BS-17B– (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: Aug 2025 – Charge-off, Jul 2025 – Charge-off
Dispute paragraph using fcra_604a3_req and demand_proof. Reference FCRA 15 U.S.C. 1681i(a)(5)(A).
CAPITAL ONE
Account_Type | Balance: $0.00
Account # BS-7517805XXXXXX
Credit Limit BS-11$0.00
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12$0.00
Date Last Active BS-8– (!)
Account Type Detaillate_payment (!)
Balance BS-21$0.00 (!)
Date of Last Payment BS-27–
Account Status BS-17A–
Past Due BS-22–
Date Opened BS-1003/30/2021
Bureau CodeIndividual account (!)
Monthly Payment BS-15$0.00 (!)
7 Year History30: 0 60: 0 90: 0
Payment Status BS-17BStatus: Paid (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: Status: Paid, was past due 90 days (date not specified in grid)
Dispute paragraph using and provide_docs. Reference FCRA 15 U.S.C. 1681i(a)(5)(A).
Sincerely,
Sorateq Studio
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