P.O. Box 4500
Allen, TX 75013
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 Cred, account number 316614XX, as the information is inaccurate. Please reinvestigate this matter and have the furnisher verify the accuracy of the reported late payment months.
The FCRA mandates that credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. I request that you obtain documentation from Wilshire Consumer Cred to substantiate the reported late payments. If the information cannot be verified, it should be corrected or removed promptly to ensure compliance with 15 U.S.C. § 1681e(b), which requires maximum possible accuracy of the information contained in consumer reports.
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 Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, I am disputing the accuracy of the reported late payment on my Capital One account, account number 517805XXXXXX. The balance on this account is reported as $0.00, yet there are inaccuracies in the reported payment history. Please reinvestigate this matter and have the furnisher verify the specific months reported as late.
The FCRA requires that credit reporting agencies ensure the accuracy and integrity of the information they report. I request that you obtain documentation from Capital One to verify the accuracy of the reported late payments. If the information cannot be substantiated, it should be corrected or removed in accordance with 15 U.S.C. § 1681e(b), which mandates the reporting of accurate information.
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 (FCRA), 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported on my Discover account, account number 601100XXXXXX. The account balance is reported as $0.00, yet there are inaccuracies in the payment history that need to be addressed. Please conduct a reinvestigation and have the furnisher verify the specific late payment months reported.
The FCRA obligates credit reporting agencies to maintain accurate information. I request that you obtain documentation from Discover to substantiate the reported late payments. If the information cannot be verified, it should be corrected or removed to comply with 15 U.S.C. § 1681e(b), ensuring the maximum possible accuracy of consumer report information.
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 Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, I am disputing the accuracy of the late payment information reported on my account with Self/Atlantic Capital, account number 196138XX. The account balance is reported as $0.00, yet there are inaccuracies in the payment history that must be addressed. Please reinvestigate this matter and have the furnisher verify the specific months reported as late.
The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. I request that you obtain documentation from Self/Atlantic Capital to verify the accuracy of the reported late payments. If the information cannot be substantiated, it should be corrected or removed in accordance with 15 U.S.C. § 1681e(b), which mandates the reporting of accurate information.
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 (FCRA), 15 U.S.C. § 1681i, I am disputing the accuracy of the collection account information reported by Collection Management, account number 577149XX. The reported balance of $783.00 and other details may not accurately reflect the status of this account. Please reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
The FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the information reported. I request that you obtain documentation from Collection Management to substantiate the reported balance and account details. If the information cannot be verified, it should be corrected or removed to comply with 15 U.S.C. § 1681e(b), ensuring the maximum possible accuracy of consumer report information.
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.
| Account # | 601100XXXXXX | Credit Limit | $1,800.00 |
| Account Type | Revolving | High Credit | – |
| Account Status | Charge-off | Date Opened | 08/18/2023 |
| Payment Status | Charge-off | ||
Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, I am disputing the accuracy of the charge-off status reported on my Discover account, account number 601100XXXXXX. The balance is unknown, and the information may not accurately reflect the current status of this account. Please reinvestigate this matter and have the furnisher verify the accuracy of the charge-off status.
The FCRA requires credit reporting agencies to ensure the accuracy and integrity of the information they report. I request that you obtain documentation from Discover to substantiate the reported charge-off status. If the information cannot be verified, it should be corrected or removed in accordance with 15 U.S.C. § 1681e(b), which mandates the reporting of accurate information.
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,
________________________________
Tanish Thakur