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April 10, 2026 Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 RE: FORMAL DISPUTE UNDER FCRA §1681i Consumer: [REDACTED] SSN: XXX-XX-[REDACTED] DOB: [REDACTED] Account: [REDACTED] — Late Payment (30/60/90 Days) To Whom It May Concern: Pursuant to the Fair Credit Reporting Act, 15 U.S.C. §1681i(a), I am formally disputing the accuracy of the above-referenced account currently appearing on my consumer report. After a thorough review of my records, I have determined that the reported late payment history is inaccurate and does not reflect my actual payment activity during the period in question. Under §1681e(b), your agency bears a continuing obligation to maintain reasonable procedures designed to ensure maximum possible accuracy of consumer information. The Supreme Court’s reasoning in Safeco Ins. Co. v. Burr, 551 U.S. 47 (2007), makes clear that agencies cannot shield themselves from liability by relying on furnisher data without independent verification. The Seventh Circuit further held in Cushman v. Trans Union Corp., 115 F.3d 220 (3d Cir. 1997), that a reinvestigation that merely parrots the furnisher’s response fails to satisfy the requirements of §1681i(a). Similarly, in Cortez v. Trans Union, LLC, 617 F.3d 688 (3d Cir. 2010), the court confirmed that a CRA must go beyond the furnisher’s say-so when the consumer provides evidence of inaccuracy. I am therefore demanding that you conduct a genuine reinvestigation of this tradeline within the 30-day period mandated by §1681i(a)(1). If the furnisher cannot verify every element of the disputed data—including dates, balances, and payment status—you are required to delete the tradeline in its entirety. Please be advised that should you fail to comply, I am prepared to pursue statutory damages of $100–$1,000 per violation under §1681n, plus actual damages, attorney’s fees, and punitive damages as the court may allow. Respectfully, [REDACTED] Sent via USPS Certified Mail Tracking #: [REDACTED]

April 10, 2026 JPMorgan Chase Bank, N.A. Attn: Credit Bureau Dispute Department P.O. Box 15298 Wilmington, DE 19850 RE: DIRECT DISPUTE UNDER FCRA §1681s-2 Consumer: [REDACTED] Account Number: XXXX-XXXX-XXXX-[REDACTED] Dispute Type: Inaccurate Late Payment Reporting To Whom It May Concern: I am writing directly to you as the furnisher of information pursuant to FCRA §1681s-2(a)(8)(D), which grants consumers the right to dispute inaccurate information directly with the entity furnishing it. The late payment entries you have reported on the above account are inaccurate and must be corrected immediately. Under §1681s-2(b), upon receiving notice of a dispute from a consumer reporting agency—or directly from the consumer—you are obligated to conduct a full investigation, review all relevant information provided, and report the results to every CRA to which you previously furnished the disputed data. The court in Johnson v. MBNA America Bank, NA, 357 F.3d 426 (4th Cir. 2004)—where the jury awarded $90,300 in damages—held that a furnisher’s obligation under §1681s-2(b) is not satisfied by a cursory review of its own records. I demand that you: 1. Conduct a thorough investigation of the disputed payment history; 2. Correct the inaccurate information with all three credit bureaus (Equifax, Experian, and TransUnion); 3. Provide me with written confirmation of the correction within 30 days. Please be advised that I have filed a parallel dispute with the credit reporting agencies. Failure to investigate and correct this information will expose your institution to liability under both §1681s-2 and §1681o. Respectfully, [REDACTED] Sent via USPS Certified Mail Tracking #: [REDACTED]

April 10, 2026 Midland Credit Management, Inc. 8875 Aero Drive, Suite 200 San Diego, CA 92123 RE: DISPUTE AND DEMAND FOR VALIDATION UNDER FDCPA §1692g Reference Account: [REDACTED] Alleged Balance: $[REDACTED] To Whom It May Concern: This letter is written in response to your recent communication regarding the above-referenced account. I hereby dispute the validity of this alleged debt in its entirety and demand full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §1692g. Specifically, I demand that you provide: 1. A copy of the original signed credit agreement bearing my signature; 2. A complete payment history from the original creditor showing how the alleged balance was calculated; 3. Documentation of the complete chain of assignment or sale, from the original creditor to your firm, including all intermediate purchasers; 4. Proof that you are licensed to collect in my state of residence. Pursuant to §1692g(b), you must cease all collection activity on this account until you have provided adequate validation. Any continued collection efforts—including credit reporting—prior to validation constitutes a violation of the FDCPA. In Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 (2010), the Supreme Court held that the bona fide error defense does not apply to violations arising from a collector’s misinterpretation of the law’s requirements. You are therefore on notice that ignorance of your validation obligations will not shield you from liability. Each violation of the FDCPA carries statutory damages of up to $1,000 per action under §1692k, in addition to actual damages and attorney’s fees. Govern yourselves accordingly. Respectfully, [REDACTED] Sent via USPS Certified Mail Tracking #: [REDACTED]