P.O. Box 4500
Allen, TX 75013
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.
| Account # | LAI000XXXXX | Credit Limit | $8,468.00 |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 07/05/2024 |
| Payment Status | Paid or paying as agreed | ||
I am writing to dispute the late payment information reported by Pioneer/Lead Bank on my credit report under account number LAI000XXXXX. According to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, credit reporting agencies are required to reinvestigate any disputed information if a consumer notifies them of the dispute. I am contesting the accuracy of the reported late payments and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Additionally, under 15 U.S.C. § 1681b(c), prescreening of credit reports must comply with permissible purposes. The reason for this dispute, cited as fcra_604a3, indicates a potential issue with prescreening. I request that the bureau ensure compliance with these provisions and confirm that all prescreening activities related to this account are conducted lawfully.
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 # | 650155XXXXXX | Credit Limit | $1,000.00 |
| Account Type | Revolving account | High Credit | – |
| Account Status | – | Date Opened | 03/19/2022 |
| Payment Status | Paid or paying as agreed | ||
I am disputing the late payment information reported by Military Star on my credit report for account number 650155XXXXXX. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i mandates that credit reporting agencies must reinvestigate disputed information upon notification by the consumer. I believe the late payment information is inaccurate and request that the bureau reinvestigate and have the furnisher verify the accuracy of the reported data.
Furthermore, the reason for this dispute, noted as fcra_604a3, suggests a potential issue with prescreening practices. According to 15 U.S.C. § 1681b(c), prescreening must be conducted with permissible purposes. I request that the bureau ensure compliance with these legal requirements and confirm that all prescreening related to this account is conducted appropriately.
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 # | EYLY0GXX | Credit Limit | $2,548.00 |
| Account Type | Installment | High Credit | – |
| Account Status | – | Date Opened | 07/05/2023 |
| Payment Status | Paid, was past due 90 days | ||
I am disputing the late payment information reported by Affirm Inc on my credit report under account number EYLY0GXX. As per the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i requires credit reporting agencies to reinvestigate any disputed information if a consumer notifies them of the dispute. I believe the reported late payments are inaccurate and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Affirm Inc is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported information, I request that the bureau correct or remove the inaccurate information from my credit report.
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 # | 120001XXXXXX | Credit Limit | $8,000.00 |
| Account Type | Revolving | High Credit | – |
| Account Status | – | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
I am writing to dispute the late payment information reported by Apple Card/GS Bank USA on my credit report under account number 120001XXXXXX. According to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, credit reporting agencies are required to reinvestigate any disputed information if a consumer notifies them of the dispute. I am contesting the accuracy of the reported late payments and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
The reason for this dispute, cited as fcra_604a3, indicates a potential issue with prescreening. Additionally, the requested action of a 30-day violation suggests a concern with the timeliness of the response. I request that the bureau ensure compliance with the FCRA’s reinvestigation timeline and confirm that all prescreening activities related to this account are conducted lawfully.
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 # | 850246XXXX | Credit Limit | $3,000.00 |
| Account Type | Installment account | High Credit | – |
| Account Status | – | Date Opened | 10/25/2022 |
| Payment Status | Charged off as bad debt | ||
I am disputing the late payment information reported by Service FCU on my credit report under account number 850246XXXX. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i mandates that credit reporting agencies must reinvestigate disputed information upon notification by the consumer. I believe the late payment information is inaccurate and request that the bureau reinvestigate and have the furnisher verify the accuracy of the reported data.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Service FCU is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported information, I request that the bureau correct or remove the inaccurate information from my credit report.
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 # | 379550XXXX | Credit Limit | $3,000.00 |
| Account Type | Revolving account | High Credit | – |
| Account Status | – | Date Opened | 08/10/2020 |
| Payment Status | 60 days past due / Past due 30 or 60 days, was past due 90 days | ||
I am disputing the late payment information reported by Navy Federal Credit Union on my credit report under account number 379550XXXX. As per the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i requires credit reporting agencies to reinvestigate any disputed information if a consumer notifies them of the dispute. I believe the reported late payments are inaccurate and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Navy Federal Credit Union is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported information, I request that the bureau correct or remove the inaccurate information from my credit report.
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 # | XXXX | Credit Limit | $8,000.00 |
| Account Type | Revolving account | High Credit | – |
| Account Status | – | Date Opened | 12/04/2021 |
| Payment Status | Charged off as bad debt | ||
I am disputing the late payment information reported by GS Bank USA on my credit report under account number XXXX. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i mandates that credit reporting agencies must reinvestigate disputed information upon notification by the consumer. I believe the late payment information is inaccurate and request that the bureau reinvestigate and have the furnisher verify the accuracy of the reported data.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by GS Bank USA is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported information, I request that the bureau correct or remove the inaccurate information from my credit report.
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 # | 362009XXXX | Credit Limit | – |
| Account Type | – | High Credit | $25,000.00 |
| Account Status | Charge-off | Date Opened | 01/18/2024 |
| Payment Status | Charge-off | ||
I am disputing the charge-off information reported by HawaiiUSA FCU on my credit report under account number 362009XXXX. According to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, credit reporting agencies are required to reinvestigate any disputed information if a consumer notifies them of the dispute. I am contesting the accuracy of the reported charge-off status and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by HawaiiUSA FCU is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported charge-off status, I request that the bureau correct or remove the inaccurate information from my credit report.
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.
| Account # | 120001XXXXXX | Credit Limit | – |
| Account Type | – | High Credit | $8,854.00 |
| Account Status | Charge-off | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
I am disputing the charge-off information reported by Apple Card/GS Bank USA on my credit report under account number 120001XXXXXX. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i mandates that credit reporting agencies must reinvestigate disputed information upon notification by the consumer. I believe the charge-off information is inaccurate and request that the bureau reinvestigate and have the furnisher verify the accuracy of the reported data.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Apple Card/GS Bank USA is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported charge-off status, I request that the bureau correct or remove the inaccurate information from my credit report.
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.
| Account # | 172840XXX | Credit Limit | – |
| Account Type | – | High Credit | $5,690.00 |
| Account Status | Charge-off | Date Opened | 07/12/2024 |
| Payment Status | Charge-off | ||
I am disputing the charge-off information reported by Omni Financial on my credit report under account number 172840XXX. As per the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i requires credit reporting agencies to reinvestigate any disputed information if a consumer notifies them of the dispute. I believe the reported charge-off status is inaccurate and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Omni Financial is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported charge-off status, I request that the bureau correct or remove the inaccurate information from my credit report.
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.
| Account # | XXXX | Credit Limit | – |
| Account Type | – | High Credit | $8,854.00 |
| Account Status | Charge-off | Date Opened | 12/04/2021 |
| Payment Status | Charge-off | ||
I am disputing the charge-off information reported by GS Bank USA on my credit report under account number XXXX. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i mandates that credit reporting agencies must reinvestigate disputed information upon notification by the consumer. I believe the charge-off information is inaccurate and request that the bureau reinvestigate and have the furnisher verify the accuracy of the reported data.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by GS Bank USA is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported charge-off status, I request that the bureau correct or remove the inaccurate information from my credit report.
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.
| Account # | 820616XXXXXXX | Credit Limit | – |
| Account Type | – | High Credit | $10,000.00 |
| Account Status | Charge-off | Date Opened | 05/16/2022 |
| Payment Status | Charge-off | ||
I am disputing the charge-off information reported by Andrews Federal Credit Union on my credit report under account number 820616XXXXXXX. According to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, credit reporting agencies are required to reinvestigate any disputed information if a consumer notifies them of the dispute. I am contesting the accuracy of the reported charge-off status and request that the bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported information.
Given the reason for this dispute is listed as ‘Information is inaccurate,’ I request that the bureau ensure that the information reported by Andrews Federal Credit Union is accurate and verifiable. If the furnisher cannot provide documentation to support the accuracy of the reported charge-off status, I request that the bureau correct or remove the inaccurate information from my credit report.
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,
________________________________
rodrigo manuel guevara higuerey