P.O. Box 740256
Atlanta, GA 30374
SSN: XXX-XX-2341
DOB: 234254
Re: Credit Report #sdgfsdgrfsrfgsre
(dated August 13, 2003)
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.
Previous Address: Jr Mig 11/9 Geetanjali Complex Hajela hospital bhopal
| Account # | 316614XX | Credit Limit | – |
| Account Type | Installment | High Credit | $5,093.00 |
| Account Status | Open | Date Opened | 07/29/2024 |
| Payment Status | Current, was past due 30 days | ||
Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, consumers have the right to dispute inaccurate information on their credit reports. I am disputing the reported late payment on the account with Wilshire Consumer Credit, account number 316614XX, as the information is inaccurate. Please reinvestigate the specific months reported as late and verify the accuracy of this information with the furnisher.
I request that you ensure the furnisher provides documentation supporting the accuracy of the reported late payments. If the information cannot be verified or is found to be inaccurate, I request that the incorrect information be corrected or removed from my credit report in accordance with the FCRA’s requirements.
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 # | 517805XXXXXX | Credit Limit | $400.00 |
| Account Type | Revolving | High Credit | $571.00 |
| Account Status | Closed | Date Opened | 03/30/2021 |
| Payment Status | Paid, was past due 90 days | ||
Pursuant to the FCRA, 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported by Capital One on account number 517805XXXXXX. The balance on this account is reported as $0.00, yet there are inaccuracies in the payment history that need to be addressed. Please reinvestigate the specific months indicated as late and have the furnisher verify the accuracy of this information.
I request that the credit bureau ensure the furnisher provides appropriate documentation to substantiate the reported late payments. If the information is found to be unverifiable or inaccurate, please correct or remove the erroneous data from my credit report as mandated by 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 # | 601100XXXXXX | Credit Limit | $1,800.00 |
| Account Type | Revolving | High Credit | – |
| Account Status | Closed | Date Opened | 08/18/2023 |
| Payment Status | Paid, was past due 30 days | ||
In accordance with the Fair Credit Reporting Act, 15 U.S.C. § 1681i, I am disputing the reported late payment information on my Discover account, number 601100XXXXXX. The balance is listed as $0.00, yet there are inaccuracies in the reported payment history that must be addressed. Please conduct a reinvestigation into the specific months marked as late and verify this information with the furnisher.
I request that you obtain documentation from the furnisher to confirm the accuracy of the reported late payments. Should the information be unverifiable or inaccurate, I ask that it be corrected or removed from my credit report in compliance with the FCRA’s provisions.
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 # | 196138XX | Credit Limit | – |
| Account Type | Installment | High Credit | $1,663.00 |
| Account Status | Closed | Date Opened | 03/26/2021 |
| Payment Status | Paid, was past due 60 days | ||
Under the FCRA, 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported by Self/Atlantic Capital on account number 196138XX. Although the balance is reported as $0.00, the payment history contains inaccuracies that require correction. Please reinvestigate the specific months reported as late and verify this information with the furnisher.
I request that the credit bureau ensure the furnisher provides documentation to substantiate the reported late payments. If the information is found to be unverifiable or inaccurate, please correct or remove the erroneous data from my credit report as required by 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 # | 577149XX | Credit Limit | – |
| Account Type | Collection | High Credit | – |
| Account Status | Seriously past due date / assigned to attorney, collection agency, or credit grantor’s internal collection department | Date Opened | 06/23/2025 |
| Payment Status | Unpaid | ||
According to the Fair Credit Reporting Act, 15 U.S.C. § 1681i, I am disputing the accuracy of the collection account information reported by Collection Management, account number 577149XX. The balance is reported as $783.00, yet there are inaccuracies in the account details that need to be addressed. Please reinvestigate the accuracy of this collection account, including the balance, date of first delinquency, and ownership, and verify this information with the furnisher.
I request that you obtain documentation from the furnisher to confirm the accuracy of the reported information. Should the information be unverifiable or inaccurate, I ask that it be corrected or removed from my credit report in compliance with the FCRA’s provisions.
Metro 2 fields to verify: Account Status (BS-17B), Current Balance (BS-6), Past Due Amount (BS-5), Payment History Profile (BS-18), Original Creditor, 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,
________________________________
Tanish Thakur