Sebastian
Monteverde.

• B.A. — Florida State University · pre-law focus
• Juris Doctor (in progress) — law school, currently enrolled
• Working knowledge of FCRA (15 U.S.C. § 1681), CROA (15 U.S.C. § 1679), FDCPA (Fair Debt Collection Practices Act)
• Trained on Metro 2 credit reporting format and CDIA data-furnisher standards

• Joined GM Vantage Solutions in 2022 as a sales representative
• Promoted to credit strategy within 90 days — moved off phones to dedicated casework
• Promoted to Chief Operating Officer — currently oversees day-to-day operations
• Point of contact for GM Vantage's 26 dealership and financing partnerships
• Lead specialist on the firm's most complex client files — multi-bureau collection disputes, chain-of-custody challenges, statutory violations

• Statute-based dispute construction — argues each dispute from the specific FCRA or CROA violation on the file, not from templates
• Collection account negotiation — direct creditor and collector engagement, pay-for-delete and goodwill work
• Inquiry removal — challenges unauthorized and non-permissible-purpose pulls under FCRA § 1681b
• Account chain-of-custody challenges — verifies the paper trail on transferred debts and unassigned collection accounts
• Client operations — direct communication with every client; no queues, no ticket numbers

Reads credit files the way a lawyer reads a brief: every tradeline is a chain of custody, every collection has a paper trail, every dispute is a legal argument constructed from applicable statute — not a template letter.

Where template-based credit repair shops send the same dispute letter to every client, each of Sebastian's arguments is drafted from scratch to the specific inaccuracy or violation on the file in question.