Self-help documents and a guided timeline — you are the sole sender and signee.
Jordan Avery Example
5 accounts
8 items flagged for review
Day 11 · 10 days since delivery · locked
Stay the course through Day 30. The Day 31 package unlocks automatically — no shortcuts.
Choose how you’ll send your plain-text dispute letter.
Example Secured Bank
secured_card · experian · current
Auto Finance Co
auto · equifax · repossession
Midland Credit Management
collection · transunion · collection
Legacy Store Card
revolving · experian · charge_off
Legacy Store Card
revolving · equifax · charge_off
Secured card deposit offset discrepancy
Example Secured Bank reports a secured revolving balance that may not reflect the consumer security deposit offset.
TILA / FCRA § 623
Repossession without disposition explanation
Auto Finance Co shows repossession/deficiency activity without evidence of a UCC § 9-616 explanation of calculation of surplus or deficiency.
UCC § 9-616
Debt buyer validation gap
Midland Credit Management appears as a debt buyer/collection account without validation or chain-of-title evidence on the report.
FDCPA § 809 / 15 U.S.C. § 1692g
Potential mixed-file demographic aliases
Report contains alias names that diverge from the primary consumer identity and may indicate mixed-file contamination.
FCRA § 604 / § 611
Duplicate address entries
Duplicate address strings were detected; review for outdated or mixed-file address history.
FCRA § 604 / § 611
Potentially obsolete adverse tradeline
Legacy Store Card adverse item appears older than the standard FCRA § 605 reporting window.
FCRA § 605 / § 623
Potentially obsolete adverse tradeline
Legacy Store Card adverse item appears older than the standard FCRA § 605 reporting window.
FCRA § 605 / § 623
Cross-bureau date conflict
Legacy Store Card shows conflicting adverse/status dates across bureaus (spread 245 days).
FCRA § 605 / § 623