P.O. Box 4500
Allen, TX 75013
SSN: XXX-XX-2341
DOB: 234254
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
| Account # | 316614XX | Credit Limit | – |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 07/29/2024 |
| Payment Status | Current, was past due 30 days | ||
I am writing to dispute the late payment information reported by Wilshire Consumer Credit on my credit report for account number 316614XX. Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), I have the right to request a reinvestigation of any information that I believe to be inaccurate or incomplete. The late payment entries on this account are having an unfair impact on my creditworthiness, and I am requesting that you reinvestigate these entries and have the furnisher verify their accuracy.
Please ensure that Wilshire Consumer Credit provides documentation to substantiate the reported late payments. If they are unable to verify the accuracy of these entries with proper documentation, I request that these late payments be removed from my credit report. It is imperative that all information reported is both accurate and fair, and I trust that you will handle this matter in accordance with the FCRA’s requirements.
| Account # | 577149XX | Credit Limit | – |
| Account Type | Collection | High Credit | – |
| Account Status | – | Date Opened | 06/23/2025 |
| Payment Status | Unpaid; Seriously past due; assigned to collection agency | ||
I am disputing the late payment information reported by Collection Management on my credit report for account number 577149XX. According to the Fair Credit Reporting Act (15 U.S.C. § 1681i), I am entitled to request a reinvestigation of any disputed information. The late payment entries related to this collection account are unfairly impacting my credit profile, and I am requesting that you initiate a reinvestigation and have the furnisher verify the accuracy of these entries.
Furthermore, I am concerned about the permissible purpose under which this information is being reported. Please ensure that Collection Management provides documentation to confirm the legitimacy and accuracy of the reported late payments. If they cannot substantiate these entries, I request their removal from my credit report. Compliance with the FCRA is essential to ensure that my credit report reflects only accurate and fair information.
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