P.O. Box 2000
Chester, PA 19016
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 Cred on my credit report for account number 316614XX. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. § 1681i, I have the right to request a reinvestigation of any information I believe to be inaccurate or incomplete. The reported late payment is having an unfair impact on my creditworthiness, and I am requesting that the credit bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported late payment.
Please ensure that Wilshire Consumer Cred provides documentation that substantiates the late payment information for the specific months in question. If the furnisher is unable to provide such documentation, I request that the inaccurate information be corrected or removed from my credit report. The FCRA mandates that the credit bureau complete the reinvestigation within the statutory timeline, and I expect compliance with these requirements to ensure the integrity of my credit report.
| 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 (FCRA), 15 U.S.C. § 1681i, I am entitled to a thorough reinvestigation of any disputed information. The reported late payment is causing an unfair impact on my credit profile, and I am requesting that the credit bureau initiate a reinvestigation and have the furnisher verify the accuracy of the reported late payment.
Furthermore, I am concerned about the permissible purpose under which this information is being reported. I request that the credit bureau ensure that Collection Management provides documentation verifying their authority to report this information. If the furnisher cannot substantiate the reported late payment or the permissible purpose, I request that this information be corrected or removed. The FCRA requires that the credit bureau adhere to the reinvestigation timeline, and I anticipate your prompt attention to this matter to maintain the accuracy and fairness of my credit report.
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