MM/DD/YYYY
To whom it may concern,
Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccuracies in their credit reports, and credit bureaus are required to investigate and correct or remove inaccurate, incomplete, or unverifiable information within 30 days. This obligation is further defined by Metro 2 compliance standards.
I am writing to request a formal investigation into the accuracy and verifiability of certain items on my credit report. Please verify the information provided with the original creditor and furnish the documentation used for this 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 – 316614XX
COLLECTION MANAGEMENT – 577149XX
CAPITAL ONE – 517805XXXXXX
Listed below are the Inquiries that are being challenged
CREDITOR – Date
WILSHIRE CONSUMER CRED
Account # BS-7316614XX
Credit Limit BS-11$5397.00
Last ReportedDATE
Account Type BS-9late_payment (!)
High Credit BS-12$5397.00
Date Last Active BS-8DATE (!)
Account Type Detaillate_payment (!)
Balance BS-21$5397.00 (!)
Date of Last Payment BS-27–
Account Status BS-17ASTATUS
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-17BSTATUS (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: May 2025 – 30 days late, May 2025 – Repossession
This account is disputed under the grounds of authorization issues. I request you verify authorized usage. Please provide documents evidencing this was an authorized transaction/credit issuance. Reference FCRA 15 U.S.C. 1681i(a)(5)(A).
COLLECTION MANAGEMENT
Account # BS-7577149XX
Credit Limit BS-11$783.00
Last ReportedDATE
Account Type BS-9late_payment (!)
High Credit BS-12$783.00
Date Last Active BS-8DATE (!)
Account Type Detaillate_payment (!)
Balance BS-21$783.00 (!)
Date of Last Payment BS-27–
Account Status BS-17ASTATUS
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-17BSTATUS (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: Aug 2025 – Charge-off, Jul 2025 – Charge-off
In accordance with FCRA 604(a)(3), please confirm any permissible purpose for reporting this item. I demand proof of such authorization. If unavailable, this item must be deleted as unverifiable under 15 U.S.C. 1681i(a)(5)(A).
Sincerely,
Sorateq Studio
1 of 2
CAPITAL ONE
Account # BS-7517805XXXXXX
Credit Limit BS-11$0.00
Last ReportedDATE
Account Type BS-9late_payment (!)
High Credit BS-12$0.00
Date Last Active BS-8DATE (!)
Account Type Detaillate_payment (!)
Balance BS-21$0.00 (!)
Date of Last Payment BS-27–
Account Status BS-17ASTATUS
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 (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: Status: Paid, was past due 90 days (date not specified in grid)
In this instance, I require that all supporting documentation be provided that verifies the reported payment status and history as accurate and complete under the provisions of the FCRA. Reference FCRA 15 U.S.C. 1681i(a)(5)(A).
Sincerely,
Sorateq Studio
2 of 2
