Equifax Dispute Letter – Round 1 – DL-YARABL

Re: Credit Report #86402842
(dated 324234)

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

I am writing to dispute the accuracy of the reported late payments on my account with WILSHIRE CONSUMER CRED, account number 316614XX. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, I am entitled to dispute inaccurate information on my credit report and request a reinvestigation. The reported late payments are having an unfair impact on my creditworthiness, and I demand proof of their accuracy. Please reinvestigate the specific months reported as late and have the furnisher verify the accuracy of these entries.

The FCRA requires that all information reported on a consumer’s credit report be accurate and complete. I request that you obtain documentation from WILSHIRE CONSUMER CRED that substantiates the reported late payments. If the furnisher cannot provide such documentation, I request that these late payments be removed from my credit report to ensure compliance with the FCRA.

I am disputing the reported late payments on my account with COLLECTION MANAGEMENT, account number 577149XX, as they are inaccurately affecting my credit report. According to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. The reported late payments are having an unfair impact on my credit profile, and I request that you verify the permissible purpose for reporting these late payments.

Please reinvestigate the accuracy of the late payment entries and have COLLECTION MANAGEMENT provide documentation that verifies the legitimacy of these reports. If they cannot substantiate the reported late payments, I request that these entries be corrected or removed from my credit report to ensure compliance with the FCRA’s requirements for accuracy and completeness.

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.