EFTA00124183.pdf

EZWIFAX CREDIT FILE : Personal Identification Information (This section includes your name, current and previous addresses, and any other identifying information reported by your creditors.) Name On File: Social Securi Michael A Thomas Last Reported Employment DOJ Bureau; Confirmation # Please address all future correspondence to: ta www.equifax.corn/personaUdisputes Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 M - F 9:00am to 5:00pm in your time zone. Collection Agency Information (This section includes accounts that credit grantors have placed for collection with a collection agency.) Stem Recovery Servcies, Inc.; Collection Reported 08/2019: Assigned 01/2018; Creditor Class - Medical/Health Care; Original Creditor - First Health of the Carolinas; Amount - $125 Status as of 08/2019 - Unpaid; Date of 1st Delinquency 05/2016; Balance as of 08/2019 - $125 ; Individual Account; Account # - 5KQVVS; Address: 415 N Edgeworth St Greensboro NC 27401-2182 : (336) 379-7321 Credit Account Information (For your security, the last 4 digits of account number(s) have been replaced by ) (This section includes open and closed accounts reported by credit grantors) Account Column Tide Descriptions: Account Number - The Account number reported by credit grantor Amount Past Due - The Amount Past Due as of the Date Reported Date Acct. Opened - The Date that the credit grantor opened the account Date of Last Paymnt - The Date of Last Payment High Credit - The Highest Amount Charged Actual Pay Amt - The Actual Amount of Last Payment Credit Limit - The Highest Amount Permitted Sched Pay Amt - The Requested Amount of Last Payment Terms Duration - The Number of Installments or Payments Date of 1st Delinquency - The Date of First Delinquency Terms Frequency - The Scheduled Time Between Payments Date of Last Actvty - The Date of the Last Account Activity Months Reviewed - The Number of Months Reviewed Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported Activity Designator - The Most Recent Account Activity Charge Off Amt - The Amount Charged Off by Creditor Creditor Class - The Type of Company Reporting The Account Deferred Pay Date - The 1st Payment Due Date for Deferred Loans Date Reported - Date of Last Reported Update Balloon Pay Amt - The Amount of Final(Balloon) Payment Balance Amount - The Total Amount Owed as of the Date Reported Balloon Pay Date - The Date of Final(Balloon) Payment Status - Condition of Account When Last Updated by Creditor Date Closed - The Date the Account was Closed or Otherwise Account History 1 30-59 Days Past Due 5 150-179 Days Past Due J Voluntary Surrender 2 60-89 Days Past Due 6 180 o More Days Past Due K Repossession Status Code 3 90-119 Days Past Due G Collection Account L Charge Off Descriptions 4 120-149 Days Past Due H Foreclosure ( Continued On Next Page ) Page 6 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124183 When you place a security freeze on your Equifax credit report, you will be provided a 10-digit personal identification number (PIN) to use if you choose to temporarily lift or permanently remove the security freeze from your credit report. To make either request, you can contact Equifax by phone or mail and provide all the following: 1. Proper identification. 2. The unique PIN provided by Equifax when you placed the security freeze. 3. If requesting a temporary lift, specify the period of time for which the credit report is to be available (for example, from March 15, 2018 to March 21, 2018). You can also create or sign into your account on www.equifax.com to authorize the temporary lift or permanent removal of your security freeze from your Equifax credit report. Equifax will authorize the release of your credit report within one hour after receiving the above information if the request is by phone or electronic means or no later than three business days when a written request is submitted. Placing, lifting, and removing a security freeze on your Equifax credit report is free. Page 5 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124184 Advanced Financial Svcs FCU • :court hone As As c &name Daus Reposed Amours 09/30/2012 SO Status - Pays As Agreed; Type of Account - Installment Type of Loan - Unsecured; Whose Account - Individual Account ArnOunt Past Due 785 Central Ave New Providence NJ 07974-1136 : Date Oommi High Omit Credt Long 'owns Damn Terms Frocestmey 10/17/2008 56,500 Monthly Morten Revd Ardirdly Designator 47 Dahl of Actual Scheduled Date 011S1 DIM of Dar Mfg. Charge Off Last Payson Peron Amount Parson Amami Demsossoy Lan AMMly ON. IM ROM Amount 09/2012 $194 09/2012 Cmcgter Classdleabon Defamed Pay Baloon Pay Steel Dona Amami Balton On Pay Dail Closed Affinity Federal Credit Union bans As 01 Banos Amman Date Rimmed NnOunt Pest Due 07/31/2019 $25.846 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account- Individual Account; ADDITIONAL INFORMATION - Auto; Fixed Rate; PO Box 621 Basking Ridge NJ 07920-0621: Dam Opened HO Cretin CRAM Limit Tams Perna, Tams Fragrancy Morass Revd AcIlvty Designator 02/26/2019 $27,477 72M Monthly 4 On of Asa/ &NANO Dee of I st Code of Dam Mai Crepe 0 /T Warted Pay Balloon Pay Last Paymrt Payynnt Amount Payrmt Amount Defigouemy Last Activity Del In Rptd Amours Start Dale Amount 07/2019 $470 $468 07/2019 Creditor Classecadon Ballow on Pay Dale Closed Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 08)19 No Data Available 07/19 $25,846 $468 $470 7/1/2019 $27,477 Auto Additional Information: Fixed Rate 0611!] $26,166 $468 $470 6/1/2019 $27,477 Auto Additional Information: Fixed Rate 05/19 $26,494 $468 $470 5/1/2019 $27,477 Auto Additional Information Fixed Rate 04/19 $26.795 $468 $470 4/1/2019 $27,477 Auto Additional Information: Fixed Rate 03/19 $27.104 $468 $468 3/1/2019 $27,477 Auto Additional Information: Fixed Rate FEB - Retail PO Box 4499 Beaverton OR 970764499: (866) 502-6439 Date Owed Piton Crestl CAM limS 06/16/2019 $2,249 $3.000 Mena As of Balsa Dee Remsted MMus( 08/27/2019 $2,002 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account ADDITIONAL INFORMATION - Credit Card; Toms Paco Terms Frequency Monthly Arrant Dee of Acbsel Stherneed Pal Dm Last Payrnnt Paymnl anoint Peyrrse Amoure 07/2019 $300 $120 Months Revd Acidly Domonakx 2 Dela rg lel Detect Date MP. Chill, OR DMIXNenCY "MP/ 08/2019 Dal. I st Roe! Monist Creditor ClassecSbOn Deferred Pay Blew Pay Elam on Stan Dale Amur( Pay Dale Closed ( Continued On Next Page ) Page 7 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124185 Histoncal Account Informationl Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Type of 1—Activ ee, Past Loan Designa!Cr Due 08/19 No Data Available 07/19 $2,249 $146 i 1$2,249 $3,000 I Credit Card 06/19 $0 I $0 $3.000 I Credit Card Fingerhut/Webbank 6250 Ridgowood Rd Saint Cloud MN 56303-0820 Date Opened lags Credit Can Land 07/12/2007 $0 $300 Terms DaS, Tema FrequenCy Monthly 1Acratha Revd Acavay Cesignew 20 Paid and Closed Grader Canna= name As of Elan. Nnotm Date of Ada Scheduled flab of 1st Oat of Deb May Charge Ca Deferred Pay Gal an Pay Balloon Deb Data Radon Amami Pest Due IAN Penn Parma Amon Pant Amon Delnancy Last Anty ON. 1N Rped Amours Sam Date Amu% Pay Date and 03/19/2014 $0 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account Whose Account - Individual Account ADDITIONAL INFORMATION - Closed or Paid AccounVZero Balance; Charge; Account Closed Due to Inactivity; First Premier 3820 N LOUISE AVE SIOUX FALLS SD 57107-0145: UM. Dale Coen High Ge00 Credit 01/15/20 Lord T 1 4 $800 Tams Wan Terre Fenny Man Revd Ant, Deagnalar C 48 O Paid rean Clunsfal lama As of Balance Anzac Date.' Adult Sawatie4 Cate el tat Data 01 Date Ma. Charge est Date Reported MIC4.nt Past Coll Last Payrnnt Payment Amours Payrnnt Amato, Dolma Last Meaty os.111 RIM Amour( 01/06/2018 $0 Status - Charge Oft Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account ADDITIONAL INFORMATION - Account Paid For Less Than Full Balance; Paid Charge Off, Account History 72/2017 11/2017 10/2017 092017 08/2017 07/2017 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2016 08/2016 07/2016 06/2016 05/2016 04/2016 with Status Codes L L L L L L L L L L L L L L L L L L L L L 12/2017 $300 07/207 12/2015 $1,149 Oran Pay Batton Pay Start Data Amara Balloon Date Pay Date Closed 0312016 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 L L L L 4 3 2 1 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity 1 Designator I 08/19 No Data Available 07/19 No Data Available 06/19 No Data Available 05/19 No Data Available ( Continued On Next Page ) Page- 8 Cf 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124186 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit 1 Credit Limit Amount Past Due I Type of Loan Activity Designate • 04/19 No Data Available 03/19 I No Data Available 02/191 No Data Available 01/19 No Data Available 12/18 I No Data Available 11118 No Data Available 10/18 No Data Available 09/18 No Data Available 08/18 No Data Available 07/18 No Data Available 06/18 No Data Available 05/181 No Data Available 04/18 I No Data Available 03/18 No Data Available 02/18 No Data Available 01/18 No Data Available 12/17 $1,059 1 $90 11/1/2017 j i $800 $1,059 i Credit Card I Additional Information: Charged Off Account ( Continued On Next Page ) Page 9 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124187 Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 11117 $1,149 6/1/2015 $800 $1,149 Credit Card Additional Information, Charged Off Account Flagship Credit Acceptance,llc Water • 3 Christy Dr Ste 201 Chadds Ford PA 19317-9670iiiiii. Date °Toned "' Cr"' Gadd Ural emu Frequency 08/31/2016 $19,213 73M Monthly Months Read Aciroty Oesratar 31 Paid and Closed Cortbar Classitcatich Rem As at Satyr Arnchrt Croat Aar Schelahrl Date oft it Data al Date M. Cher Off Carted Pay Balkan Pay Saban Oat* Date Reportorl Amain Peat Due Last Perri Para* Amount Pahlil AM0UM DaquolOCy Las ActiAty Dint Rota Amount Start Date *moult Pay Dale Char 03/2019 $12,683 03/2019 03/2019 Status - Pays As Agreed; Type of Account - Installment, Type of Loan - Auto; Whose Account - Individual Account ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Auto; Fixed Rate: 03/31/2019 $0 Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High !C,ei!t Credit , ri,f Amount Past Due Type of Loan Activity Designator 08/19 No Data Available 07/19 No Data Available 06/19 No Data Available 05/19 No Data Available 04/19 No Data Available 03/19 No Data Available 02/19 No Data Available 01/19 $13,224 $338 i 11/1/2018 $19,213 !Auto Additional Information Fixed Rate 12/18 $13,136 5338 11/1/2018 $19,213 Auto Additional Information Fixed Rate 11/18 $13,048 $338 5960 11/1/2018 $19,213 Auto Additional Information: Fixed Rate Continued On Next Page ) Page 10 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124188 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 10/18 $13,921 $338 9/1/2018 $19,213 Auto Additional Information: Fixed Rate 09/18 $13.828 $338 $360 9/1/2018 $19.213 Auto Additional Information: Fixed Rate 08/18 $14,097 $338 $342 8/1/2018 $19.213 Auto Additional Information' Fixed Rate 07/18 I $14,343 $338 $350 7/1/2018 I $19.213 Auto Additional Information: Fixed Rate 06/18 $14,595 $338 $340 6/1/2018 519,213 Auto Additional Information: Fixed Rate 05/18 $14.839 S338 $330 5/1/2018 $19,213 Auto Additional Information: Fixed Rate 04/18 $15.067 $338 $360 4/1/2018 $19.213 Auto Additional Information Fixed Rate 03/18 No Data Available 02/18 $15.897 $338 1/1/2018 1819,213 Auto Additional Information: Fixed Rate 01/18 $15,801 $338 15338 1/1/2018 519,213 Auto Additional Information: Fixed Rate 12/17 $16,031 $338 $261 12/1/2017 519,213 JAuto Additional Information: Fixed Rate 11/17 S16,184 $338 $276 111/1/2017 1519,213 Auto Additional Information Fixed Rate 10/17 516,353 $338 $462 10/1/2017 $19,213 Auto Additional Information: Fixed Rate ( Continued On Next Page ) Page 11 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124189 a rt Mamb' Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 09/17 $16,703 $338 $340 9/1/2017 $19,213 Auto Additional Information: Fixed Rate LEADERS Financial Company 67 Walnut Ave Ste 110 Clark NJ 07066-1640 . 1 Cute Opened H7 Goad Credit Urea Ten= Dtraon Turns Frequency Monthly Months Rid Actudy Oftigneta 09/0512010 $9,436 32 Paid and Closed hems As al Warne Amami Date of Mb)* &ha:US Oat* of 1st Oat* Of Dee Na Caine Off Deferred Pay Balloon Pay Bellow Cato Deb/ Rapothed Amount Past Cue Last Remus Parrot Amount Perms Moult Detnquency tail NAM'S OH lel RPM MlOset Stitt Da Amon Pay Oslo Closed O4/2013 $293 03/2011 04/2013 Status - Pays As Agreed: Type of Account - Installment Type of Loan - Auto; Whose Account - Individual Account ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; 02/05/2014 $0 NYS Dept.Social Serv.-Child SU PO Box 818 New York NY 10013-0818 Aoo iI lanthe Dab/ °WWI High Cent Galt Una 06/03/2013 $0 Items As of Darla Amount Date o Atbild Scluckled Cab/ of TI DOD of Date Alai. Charge Off Defend Pay Ulan Pay Saloon Dale Dale Resoled Amour. Past Out Laµ Payne Naomi Amount Payrtre Anoint Ciainwfarcy Last AcOvIly Cel. 1st RIM Amami Stal Dols Amount Pay CC ClcUM 08/12/2019 $1.044 $1,044 07/2019 $1,257 08/2019 07/2019 Status - Collection Account Type of Account - Open; Type of Loan - Family Support; Whose Account - Individual Account: ADDITIONAL INFORMATION - Child/Family Support; Collection Account Account History 07/2019 OW2015 with Status Codes G 4 Tiffin Duration Terms Frequency Credeor Oasedcaloon Months Rived Aahlty Dedsmatct °Snot Pau/Melon 54 Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 08/19 $1,044 $1,257 7/1/2019 $0 $1,044 Family Support Additional Information: Collection Account 07/19 $1,481 $1,257 7/1/2019 $0 $1,481 Family Support Additional Information: Collection Account 06/19 $0 $738 6/1/2019 SO Family Support 05/19 $0 $738 5/1/2019 $0 Family Support 04/19 $0 $738 4/1/2019 $0 Family Support ( Continued On Next Page ) Page 12 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124190 Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credr! Limit Amount Past Due Type of Loan Activity Designator 03/19 No Data Available 02/19 $0 $738 2/1/2019 $0 Family Support 01/19 $0 $738 1/1/2019 $0 Family Support 12/18 $0 1$738 12/1/2018 $0 Family Support 11/18 $0 $738 11/1/2018 SO Family Support 10/18 $0 5738 I 10/1/2018 $0 Family Support 09/18 $0 $738 9/1/2018 $0 Family Support 08/18 $0 $738 8/1/2018 $0 I Family Support 07/18 50 $738 7/1/2018 $0 I Family Support 06/18 50 $738 6/1/2018 $0 Family Support 05/18 $0 $738 5/1/2018 50 Family Support 04/18 $0 $738 4/1/2018 50 Family Support 03/18 $0 $738 2/1/2018 SO Family Support 02/18 No Data Available 01/18 $0 $738 1/1/2018 $0 Family Support 12/17 $0 $738 12/1/2017 $0 Family Support 11/17 $0 5738 11/1/2017 50 Family Support 10/17 $0 5738 10/1/2017 $0 Family Support ( Continued On Next Page) Page 13 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124191 08/26/2019 $1,582 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card; Mit Henn AS Or Manse Amami Deie Of Actual Sdwnsd Dam at Ise Dab or Da Msj Dane Off Dale Repated Aroma Para Da Lost PeTroor arrant Amoun Rayrivt Moult Dahaspaanay Lest Maya/ Del 1a Raid Amara 08/2019 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 09/17 $0 $738 8/1/2017 $0 Family Support USAA Savings Bank PO Box 33009 San Antonio TX 78265-3009 as Opened Hit Credit Coati Latt 07/28/2016 $1,991 $2,600 Terms Prawn Tens rrequency Monthly lanais Revd Aelvis DeargnalOr 36 Croaks Preseason Deferred Pay Balloon Pay Sort Deb AmOunt SIROon Dale Pay Date Closed Histoncal Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 08/19 No Data Available 07/19 $1,721 $44 $300 7/1/2019 $1,982 $2.800 I Credit Card 06/19 $1,661 $42 $79 5/1/2019 $1,982 $2.800 Credit Card 05/19 $1,384 $35 $33 4/1/2019 $1,982 $2,800 Credit Card 04/19 $1,336 S33 I 2/1/2019 $1,982 $2.800 Credit Card 03/19 No Data Available 02/19 $775 $22 $500 2/1/2019 $1,982 $2,800 Credit Card 01/19 $982 $24 12/1/2018 $1,982 $2,800 Credit Card 12/18 No Data Available 11/18 $1,426 534 $293 10/1/2018 $1,982 $2,800 Credit Card 10/18 No Data Available 09/18 $1,306 $30 $430 8/1/2018 $1,982 $2,000 Credit Card ( Continued On Next Page ) Page 14 of 22 9259041182CVJ-002734482- 1- 1 - S 08/2019 $500 $48 EFTA00124192 Historical Account Information Balance Scheduled Payment Amount Actual Payment Amount Date of Last Payment High Credit Credit Limit Amount Past Due Type of Loan Activity Designator 08/18 $1,407 $33 566 8/1/2018 $1,982 $2,000 Credit Card 07/18 $1,162 $34 5251 7/1/2018 $1,982 $2,000 Credit Card 06/18 No Data Available 05/18 $1,564 1551 15210 5/1/2018 $1,982 182,000 Credit Card 04/18 $1,699 1554 15320 4/1/2018 $1,982 152,000 I 1Credit Card 03/18 $1,832 $56 I $151 13/1/2018 I $1,894 152,000 I 'Credit Card 02/18 51,757 554 1S81 11/1/2018 $1,890 152,000 I 1 Credit Card 01/18 $1,803 $52 1552 112/1/2017 $1,890 152,000 1 Credit Card 12/17 No Data Available 11/17 $1,826 1$55 $169 110/1/2017 151,890 152,000 1 'Credit Card 10/17 $1,838 $57 1590 110/1/2017 151,890 152.000 I Credit Card A request for your credit history is called an Inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not Inquiries that may impact your credit rating/score. These are inquiries made by companies to whom you have applied fora loan or credit They may remain on your the up to 2 years. Company Information Inquiry Datea Comcast-Philadelphia 4008 N Dupont Hwy New Castle. DE 19720-6314 Phone: Capital One P.l ti 259407 CREDIT BUREAU DISPUTE PIANO. DC 75025 Phone USAA FSB CC 3773 Howard Hughes Maw Las Vegas. NV 89169-0949 06/09/2019 02/26/2019 08/15/2018 Your Ex e D to Report was used to generate an Insight Score which was resold by Equifax. Therefore, you are entitled to a copy of your Exchange Data Report. To order your data report or Insight Score call ( Continued On Next Page ) Page 15 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124193 Inquiries that do not impact your credit rating/score. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit flit They may remain on your tile for up to 2 years. Company Information - Prefix Descriptions: AM OR AR - CAR RENT - COLLECT - CONS RPT - DDA - EMPL OR ND EMPL - EQUIFAX OR EFX - FIN PLAN - INS - MEDICAL - ND - ND MR - NON APPL - PR - PREQAUTO - PREQCARD - PREQCOMM - PREQHE - PREQIL - PREQINS - PREQMTG - PREQOD - PREQ - PRM - REFRESH - SUPPORT - UTILSERV - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. Inquiries with this prefix are from rental car companies regarding debit card payment acceptance. Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lenders behalf, or a company that purchased your debt. Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product. Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account. Inquiries with this prefix indicate an employment inquiry. Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy or your credit file or a research request. Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning. Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting purposes. Inquiries with this prefix are from medical service providers. Inquiries with this prefix are general inquiries that do not display to creditor grantors. Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant. Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease. Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card. Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services. Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of credit, Inquiries with this prefix are used when you have provided consent to be prequalified for an installment loan other than auto, mortgage or home equity. Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote. Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan. Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit. Inquiries with this prefix are used when you have provided consent to be prequalified for credit or services, not specific to auto, credit card, telecommunications, home equity, installment loan, insurance, mortgage or overdraft services. Inquires with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit of insurance. Inquiries with this prefix relate to the use of a consumer report in the period of time between underwriting and closing of a mortgage loan to ensure no new debt is identified. Inquiries with this prefix are used by a social service agency related to a government benefit or child support. Inquiries with this prefix are used when requesting utility services. Company Information Inquiry Date S Equifax PO Box 740241 Atlanta, GA 30374-0241 Phone: UTILSERV-Southern Gas Company 1844 W Ferry Rd Naperville, IL 60563-9662 PRM-Liberty Mutual Insurance 157 BERKELEY ST BOSTON, MA 02116-510 09/1612019 11/14/2017 11/14/2017 08/30/2019 08/03/2019 ( Continued On Next Page ) Page 16 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124194 Company Inlormallon Inquiry Date PRM-Discover Financial Services 2500 Lake Cook Rd Riverwoods, IL 60015-3851 Phone: 07/19/2019 04/19/2019 02/22/2019 07105/2019 04112/2019 02/07/2019 06/27/2019 04/05/2019 02)01/2019 06/21/2019 03/28/2019 12/21/2018 06/14/2019 03/22/2019 12/13/2018 06/07/2019 03/15/2019 12/06/2018 05/23/2019 03/08/2019 11/29/2018 04/26/2019 02/28/2019 PRM-Citi Cards CBNA 07/01/2019 06/01/2019 04/27/2019 03/30/2019 02/23/2019 12/29/2018 11/27/2018 10/26/2018 PO BOX 6142 SIOUX FALLS, SD 57117-6142 Phone: 09/25/2018 PRM-Capital One Bank USA Na 06/29/2019 05/28/2019 04/30/2019 03/26/2019 12/25/2018 11/27/2018 09/25/2018 PO Box 85015 Richmond, VA 23285-5015 Phone: PREQCARD-Fortivalrbom 06/16/2019 PO BOX 105555 ATLANTA, GA 30348-5555 Phone: DIC-C,omcast-Philadelphia 06/09/2019 4008 N Dupont Hwy New Castle, DE 19720-6314 PRM-Amica Mutual Insurance CO 02/28/2019 P 0 Drawer 6008 10 Weybosset St Providence RI 02903-2818 Phone: PRM-Capital One Auto Finance 02/2642019 01/29/2019 3901 Dallas Pkwy Plano, DC 75093-7864 Phone: — End of Credit File "n Page 17 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124195 Para infomacion en espanol, visite www.consumerfinance. • ov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.govllearnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. o You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. o You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: O a person has taken adverse action against you because of information in your credit report; • you are the victim of identity theft and place a fraud alert in your file; O your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. O You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. O You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. ▪ Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. O Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. Page 18 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00124196