P.O. Box 740256
Atlanta, GA 30374
I am writing to dispute the accuracy of the following items on my credit report. Pursuant to the Fair Credit Reporting Act (15 U.S.C. § 1681i), I am requesting that you reinvestigate these items and correct or delete any information that cannot be verified.
Please forward my dispute to the appropriate furnisher(s) and have them verify the accuracy of the disputed information. I request written confirmation of the results of your reinvestigation.
| Account # | LAI000XXXXX | Credit Limit | $8,468.00 |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 07/05/2024 |
| Payment Status | Paid or paying as agreed | ||
Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, consumers have the right to dispute inaccurate information on their credit reports. In this case, I am disputing the reported late payment on my account with PIONEER/LEAD BANK, account number LAI000XXXXX. The information reported is inaccurate, and I request that the credit bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported late payment.
Additionally, I believe there may be an issue related to prescreening under 15 U.S.C. § 1681b(c)(1)(B), which governs the conditions under which a consumer report may be furnished for prescreening purposes. I request that the bureau ensure compliance with these provisions and verify that any prescreening activities related to this account were conducted in accordance with the FCRA.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 650155XXXXXX | Credit Limit | $1,000.00 |
| Account Type | Revolving account | High Credit | – |
| Account Status | – | Date Opened | 03/19/2022 |
| Payment Status | Paid or paying as agreed | ||
Pursuant to 15 U.S.C. § 1681i of the FCRA, I am disputing the accuracy of the late payment information reported by MILITARY STAR on my account, number 650155XXXXXX. The reported late payment is incorrect, and I request the credit bureau to reinvestigate and have the furnisher verify the accuracy of this information.
Furthermore, I am concerned about potential prescreening issues as outlined in 15 U.S.C. § 1681b(c)(1)(B). It is imperative that any prescreening activities comply with the FCRA’s requirements. Please ensure that the reported information is accurate and that any prescreening was conducted lawfully.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | EYLY0GXX | Credit Limit | $2,548.00 |
| Account Type | Installment | High Credit | – |
| Account Status | – | Date Opened | 07/05/2023 |
| Payment Status | Paid, was past due 90 days | ||
In accordance with 15 U.S.C. § 1681i, I am disputing the late payment information reported by AFFIRM INC on my account, number EYLY0GXX. The information is inaccurate, and I request that the credit bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported late payment.
It is crucial that the information on my credit report is accurate and verifiable. Please ensure that the reported late payment is corrected or removed if it cannot be substantiated with proper documentation from the furnisher.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 362009XXXX | Credit Limit | $25,000.00 |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 01/18/2024 |
| Payment Status | Voluntary repossession / Voluntary surrender / Charge-off | ||
Under the FCRA, specifically 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported by HAWAIIUSA FCU on my account, number 362009XXXX. The reported late payment is incorrect, and I request the credit bureau to reinvestigate and have the furnisher verify the accuracy of this information.
Accurate reporting is essential for fair credit evaluation. Please ensure that the reported information is corrected or removed if it cannot be verified with appropriate documentation from the furnisher.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 120001XXXXXX | Credit Limit | $8,000.00 |
| Account Type | Revolving | High Credit | – |
| Account Status | – | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
Pursuant to 15 U.S.C. § 1681i, I am disputing the late payment information reported by APPLE CARD/GS BANK USA on my account, number 120001XXXXXX. The information appears to be inaccurate, and I request that the credit bureau reinvestigate and have the furnisher verify the accuracy of the reported late payment.
Additionally, I am concerned about compliance with the FCRA’s prescreening provisions under 15 U.S.C. § 1681b(c)(1)(B). Please ensure that any prescreening activities related to this account were conducted in accordance with the FCRA and that the reported information is accurate.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 850246XXXX | Credit Limit | $3,000.00 |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 10/25/2022 |
| Payment Status | Charged off as bad debt | ||
In accordance with 15 U.S.C. § 1681i, I am disputing the late payment information reported by SERVICE FCU on my account, number 850246XXXX. The information is inaccurate, and I request that the credit bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported late payment.
It is essential that the information on my credit report is accurate and verifiable. Please ensure that the reported late payment is corrected or removed if it cannot be substantiated with proper documentation from the furnisher.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 379550XXXX | Credit Limit | $3,000.00 |
| Account Type | Revolving account | High Credit | – |
| Account Status | – | Date Opened | 08/10/2020 |
| Payment Status | 60 days past due / Past due 30 or 60 days, was past due 90 days | ||
Under the FCRA, specifically 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported by NAVY FEDERAL CR UNION on my account, number 379550XXXX. The reported late payment is incorrect, and I request the credit bureau to reinvestigate and have the furnisher verify the accuracy of this information.
Accurate reporting is crucial for fair credit evaluation. Please ensure that the reported information is corrected or removed if it cannot be verified with appropriate documentation from the furnisher.
Metro 2 fields to verify: Payment Rating (BS-17A), Account Status (BS-17B), Payment History Profile (BS-18), Past Due Amount (BS-5), Date of Last Payment, DOFD.
| Account # | 362009XXXX | Credit Limit | – |
| Account Type | – | High Credit | $25,000.00 |
| Account Status | Charge-off | Date Opened | 01/18/2024 |
| Payment Status | Charge-off | ||
Pursuant to 15 U.S.C. § 1681i, I am disputing the charge-off status reported by HAWAIIUSA FCU on my account, number 362009XXXX. The information is inaccurate, and I request that the credit bureau reinvestigate and have the furnisher verify the accuracy of the charge-off status.
Charge-off status can significantly impact my creditworthiness, and it is imperative that this information is accurate. Please ensure that the reported charge-off status is corrected or removed if it cannot be substantiated with proper documentation from the furnisher.
Metro 2 fields to verify: Account Status (BS-17B), Charge-Off Amount (BS-9), Current Balance (BS-6), Past Due Amount (BS-5), Payment History Profile (BS-18), DOFD.
| Account # | 120001XXXXXX | Credit Limit | – |
| Account Type | – | High Credit | $8,854.00 |
| Account Status | Charge-off | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
In accordance with 15 U.S.C. § 1681i, I am disputing the charge-off status reported by APPLE CARD/GS BANK USA on my account, number 120001XXXXXX. The information appears to be inaccurate, and I request that the credit bureau reinvestigate and have the furnisher verify the accuracy of the charge-off status.
It is essential that the information on my credit report is accurate and verifiable. Please ensure that the reported charge-off status is corrected or removed if it cannot be substantiated with proper documentation from the furnisher.
Metro 2 fields to verify: Account Status (BS-17B), Charge-Off Amount (BS-9), Current Balance (BS-6), Past Due Amount (BS-5), Payment History Profile (BS-18), DOFD.
| Account # | XXXX | Credit Limit | – |
| Account Type | – | High Credit | $8,854.00 |
| Account Status | Charge-off | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
Under the FCRA, specifically 15 U.S.C. § 1681i, I am disputing the charge-off status reported by GS BANK USA on my account, number XXXX. The reported charge-off status is incorrect, and I request the credit bureau to reinvestigate and have the furnisher verify the accuracy of this information.
Accurate reporting is crucial for fair credit evaluation. Please ensure that the reported charge-off status is corrected or removed if it cannot be verified with appropriate documentation from the furnisher.
Metro 2 fields to verify: Account Status (BS-17B), Charge-Off Amount (BS-9), Current Balance (BS-6), Past Due Amount (BS-5), Payment History Profile (BS-18), DOFD.
| Account # | 820616XXXXXXX | Credit Limit | – |
| Account Type | – | High Credit | $10,000.00 |
| Account Status | Charge-off | Date Opened | 05/16/2022 |
| Payment Status | Charge-off | ||
Pursuant to 15 U.S.C. § 1681i, I am disputing the charge-off status reported by ANDREWS FEDERAL CRED U on my account, number 820616XXXXXXX. The information is inaccurate, and I request that the credit bureau reinvestigate and have the furnisher verify the accuracy of the charge-off status.
Charge-off status can significantly impact my creditworthiness, and it is imperative that this information is accurate. Please ensure that the reported charge-off status is corrected or removed if it cannot be substantiated with proper documentation from the furnisher.
Metro 2 fields to verify: Account Status (BS-17B), Charge-Off Amount (BS-9), Current Balance (BS-6), Past Due Amount (BS-5), Payment History Profile (BS-18), DOFD.
Please provide the results of your reinvestigation in writing as required by 15 U.S.C. § 1681i(a)(6). If you are unable to verify any of the disputed items, I request that they be corrected or deleted from my credit file.
Thank you for your prompt attention to this matter.
Sincerely,
________________________________
rodrigo manuel guevara higuerey