Experian
P.O. Box 4500
Allen, TX 75013
cole mateo lopez
April 07, 2026
To whom it may concern,
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.
Listed below are the Accounts being challenged
• MIDLAND CREDIT MANAGEM – 328359XXX
MIDLAND CREDIT MANAGEM | Collection Account Dispute | Balance: $5,505.00
| Account # | 328359XXX | Credit Limit | – |
| Account Type | Collection | High Credit | – |
| Account Status | Not satisfying | Date Opened | 07/29/2024 |
| Payment Status | Seriously past due date |
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 and request a reinvestigation. I am disputing the collection account reported by Midland Credit Management, account number 328359XXX, as the information reflected is inaccurate. The balance reported as $5,505.00 does not align with my records, and I believe there may be errors in the reporting of the account details, such as the date of first delinquency or ownership of the debt. I request that the credit bureau conduct a thorough reinvestigation of this account and have Midland Credit Management verify the accuracy of the information provided. Please ensure that Midland Credit Management supplies documentation to substantiate the reported balance and any other pertinent details. If the information cannot be verified or is found to be inaccurate, I request that the account be corrected or removed from my credit report in accordance with the FCRA's requirements for accuracy and completeness.
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.
Pursuant to 15 U.S.C. §1681i(a)(1)(A), you must conduct a reasonable reinvestigation within 30 days. If this information cannot be verified, it must be deleted per 15 U.S.C. §1681i(a)(5)(A).
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,
________________________________
cole mateo lopez