P.O. Box 2000
Chester, PA 19016
SSN: XXX-XX-2341
DOB: 234254
Re: Credit Report #thfthgf
(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 | ||
I am writing to dispute the accuracy of the reported late payments on my account with Wilshire Consumer Credit, account number ending in 316614XX. Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), I am entitled to dispute information that I believe to be inaccurate, incomplete, or unverifiable. The reported late payments are having an unfair impact on my creditworthiness, and I request that the credit bureau reinvestigate this matter and have the furnisher verify the accuracy of the reported late payments.
Please ensure that Wilshire Consumer Credit provides documentation substantiating the accuracy of the reported late payments for the specific months in question. If they cannot provide such verification, I request that these late payments be deleted from my credit report as they are unverifiable. The FCRA mandates that unverifiable information must be corrected or removed within the statutory reinvestigation period.
| 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 | ||
I am disputing the reported late payments on my Capital One account, account number ending in 517805XXXXXX. According to the Fair Credit Reporting Act (15 U.S.C. § 1681i), I have the right to dispute information that is inaccurate or unfairly impacting my credit report. The account shows a balance of $0.00, yet the late payments are still reported, which is having an unfair impact on my credit profile.
I request that the credit bureau reinvestigate this account and verify the method by which Capital One reported these late payments. Please ensure that Capital One provides documentation to substantiate the accuracy of the reported late payments. If they are unable to verify the accuracy, I request that these entries be corrected or removed from my credit report.
| 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 | ||
I am disputing the accuracy of the reported late payments on my Discover account, account number ending in 601100XXXXXX. Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), I have the right to dispute information that is inaccurate or incomplete. The reported late payments are inaccurate and are negatively affecting my credit report.
I request that the credit bureau conduct a thorough reinvestigation and have Discover verify the accuracy of the reported late payments. Please ensure that Discover provides documentation to substantiate the accuracy of these entries. If they cannot verify the information, I request that the inaccurate entries be corrected or removed from my credit report.
| 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 | ||
I am disputing the reported late payments on my account with Self/Atlantic Capital, account number ending in 196138XX. According to the Fair Credit Reporting Act (15 U.S.C. § 1681i), I am entitled to dispute information that is inaccurate or incomplete. The reported late payments are inaccurate and are adversely affecting my credit report.
I request that the credit bureau reinvestigate this account and have Self/Atlantic Capital verify the accuracy of the reported late payments. Please ensure that they provide documentation to substantiate the accuracy of these entries. If they are unable to verify the information, I request that the inaccurate entries be corrected or removed from my credit report.
| 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 | ||
I am disputing the accuracy of the information reported on my collection account with Collection Management, account number ending in 577149XX. Under the Fair Credit Reporting Act (15 U.S.C. § 1681i), I have the right to dispute information that is inaccurate or incomplete. The information reported on this account is inaccurate and is negatively impacting my credit report.
I request that the credit bureau reinvestigate this account and have Collection Management verify the accuracy of the reported information, including the balance and ownership details. Please ensure that they provide documentation to substantiate the accuracy of these entries. If they cannot verify the information, I request that the inaccurate entries be corrected or removed from 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