MM/DD/YYYY
To whom it may concern,
According to my rights under the Fair Credit Reporting Act (FCRA), Section 611, I am writing to dispute inaccurate information on my credit report in compliance with Metro 2 standards.
I request the verification of the following items and ask that you provide a full investigation to ensure the accuracy of my credit records.
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–
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12–
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
Upon review, this account was not authorized. Pursuant to FCRA 15 U.S.C. 1681i(a)(5)(A), please verify and provide documentation to support this account’s authorization status.
COLLECTION MANAGEMENT
Account # BS-7577149XX
Credit Limit BS-11–
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12–
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
FCRA 604(a)(3) requires permissible purpose for reporting. Please demand proof of this account’s accuracy as per FCRA 15 U.S.C. 1681i(a)(5)(A).
CAPITAL ONE
Account # BS-7517805XXXXXX
Credit Limit BS-11–
Last Reported–
Account Type BS-9late_payment (!)
High Credit BS-12–
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-17B– (!)
No. of Months (terms) BS-13– (!)
Comments BS-19Late payments: Status: Paid, was past due 90 days (date not specified in grid)
Please provide documentation that supports the reporting of this account in compliance with FCRA 15 U.S.C. 1681i(a)(5)(A).
Sincerely,
Sorateq Studio
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