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Record

Draft: efta00124162

EQUIFAX

CREDIT FILE : September 16, 2019

Pe
l
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08/17/2019 $4,299 08/2019 $100 08/2019

Confirmation

Please address all future correspondence

![](_page_0_Picture_5.jpeg)

www.equifax.cornipersonaltdisputes

Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374

![](_page_0_Picture_8.jpeg)

(800) 377-6568 M - F 9:00am to 5:00pm in your time zone.

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Status - Pays As Agreed: Type of Account - Revolving; Type of Loan - Credit Card: Whose Account - Individual Account, ADDITIONAL INFORMATION - Credit Card;

Delnoueocy Last AWAY

    1. Proper identification.
    1. The unique PIN provided by Equifax when you placed the security freeze.
    1. 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.

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( Continued On Next Page ) Page 7 of 30 9259040335CVJ-002734477- 1- 1 - S

Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
02/18 $2,216$522/1/2018$2,610$5,600Credit Card
01/18 $2,245$531/1/2018$2,610$2,600Credit Card
12/17 $2,274$5212/1/2017$2,610$2,600Credit Card
11/17 $2,343ર્ફ્રેન્ડ11/1/2017$2,610$2,600Credit Card
10/17 $2,411ફર્ફ્રિ10/1/2017$2,610$2,600Credit Card
09/17 $2,479$589/1/2017$2,610$2,600Credit Card
Account Number
Items As of
Date Reported
08/16/2019
Bestbuy/CBNA
Balance
Amount
20
PO Box 6497 Sioux Falls SD 57117-6497
Amount
Past Due
Date Opened
High Credit
11/21/2009
$2,952
Date of
Last Paymnt
12/2018
Actual
Paymnt Amount
Credit Limit
$3,300
Scheduled
Paymnt Amount
Terms Duration
Date of 1st
Delinquency
Terms Frequency
Monthly
Date of
Last Activity
12/2018
Months Revd Activity Designator
70
Date Mai.
Charge Off
Deferred Pay Balloon Pay
Del. 1st Rptd Amount
Start Date
Amount
Creditor Classification
Balloon
Date
Closed
Pay Date
Historical Account InformationStatus - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Vhose Account; ADDITIONAL INFORMATION - Credit Card;
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
08/19$012/1/2018$2,952$3,300Credit Card
07/19 $012/1/2018$2,952$3,300Credit Card
06/19 $012/1/2018$2,952$3,300Credit Card
05/19 $012/1/2018$2,952$3,300Credit Card
04/19 $012/1/2018$2,952$3,300Credit Card
03/19 $012/1/2018$2,952$3,300Credit Card
02/19 $012/1/2018$2,952$3,300Credit Card

"

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Capital One PO Box 30253 Salt Lake City UT 84130 : (800) 477-6000

Account NumberDate Opened High CreditCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
11/21/2009 $869$810Monthly46Transfer/Sold
Items As of
Date Reported
09/09/2013 $0
Balance
Amount
Amount
Past Due
Date of Actual
Last Paymnt Paymnt Amount
03/2013 $517
Scheduled
Paymnt Amount
DelinquencyDate of 1st
Last Activity Del. 1st Riptd Amount
03/2013
Date Maj.Charge OffDeferred Pay Balloon Pay
Start Date Amount
Balloon
Pay Date Closed
Date
09/2013

Status - Pays As Agreed, Type of Account - Revolving, Type of Loan - Crecit Card, Whose Account - Individual Account, ADDITIONAL INFORMATION - Account Transferred or Sold; Credit Card;

Capital One Auto Finance PO BOX 259407 CREDIT BUREAU DISPUTE PLANO TX 75025 : (800) 946-0332

Account NumberDate Opened High CreditCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
01/11/2013 $18.74572MMonthly34Paid and Closed
Items As of
Date Reported Amount
11/30/2015 $0
ALL - Barreland - And Company - Career
BalanceAmount
Past Due
Date of
Last Paymnt Paymnt Amount
11/2015 $10,171
Scheduled
Paymnt Amount
$0
Date of 1st
Delinquency
Date of
Last Activity Del. 1st Rptd Amount
11/2015
Date Maj.Charge OffDeferred Pay Balloon Pay
Start Date Amount
Balloon
Pay Date Closed
Date
11/2015

Status - Pays As Agreed, Type of Account - Instalinent, Type of Loan - Auto, Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Pair AccountZero Balance; Auto;

Citicards CBNA PO Box 6241 Sioux Falls SD 57117-6241 : (800) 950-5114

Account NumberDate Opened High CreditCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
04/19/2015 $1,903$2,700Monthly52
lterns As of
Date Reported
08/26/2019 $0
Balance
Amount
Amount
Past Due
06/2019Date of Actual
Last Paymnt Paymnt Amount
Scheduled
Paymnt Amount
Date of 1st
Delinquency
Date of
Last Activity Del. 1st Riptd Amount
06/2019
Date Maj. Charge OffDeferred Pay Balloon Pay
Start Date Amount
Balloon
Pay Date Closed
Date

Status - Pays As Agreet; Type of Account - Revolving; Type of Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - ;

Historical Account Information
BalanceScheduled
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 $06/1/2019$1,903$2,700Flexible Spending Credit Card
06/19 $06/1/2019$1,903$2,700Flexible Spending Credit Card
05/19ಭಿರಿದಿ$256/1/2018$1,903$2,700Flexible Spending Credit Card
04/19No Data Available
03/19No Data Available
No Data Available
02/19
01/19No Data Available

( Continued On Next Page )

market met service and service and segments.

9259040335CVJ-002734477- 1- 1- S

Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
12/18 No Data Available
11/18 No Data Available
10/18 No Data Available
09/18 No Data Available
08/18 $06/1/2018$1,903$2,700Flexible Spending Credit Card
07/18 $06/1/2018$1,903$2,700Flexible Spending Credit Card
06/18 No Data Available
05/18 $95$256/1/2017$1,903$2,700Flexible Spending Credit Card
Account NumberComenitybank/VictoriassecretPO Box 182789 Columbus OH 43218-2789
Date Opened
High Credit
11/29/2017
$251
$650Credit LimitTerms DurationTerms Frequency
Monthly
Months Revd Activity Designator
Creditor Classification
21
Items As of
Date Reported
09/07/2019
Balance
Amount
$0
Amount
Past Due
Date of
Last Paymnt
08/2019
Actual
Paymnt Amount
$50
Scheduled
Paymnt Amount
Date of 1st
Delinquency
Date of
Last Activity
08/2019
Date Maj.
Charge Off
Deferred Pay Balloon Pay
Del. 1st Rptd Amount
Start Date
Amount
Balloon
Date
Closed
Pay Date
Status - Pays As Agreet; Type of Account - Revolvint; Whose Account; Whose Account; ADDITIONAL INFORMATION - Charge;
Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
08/19$0$455/1/2019$251$650Charge Account
07/19$0$455/1/2019$251$650Charge Account
06/19$0$455/1/2019$251$650Charge Account
05/19$0$262/1/2019$251$650Charge Account
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Jpmcb - Auto Finance PO Box 901003 Ft Worth TX 76101-2003 : (800) 336-6675

Account NumberDate OpenedCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
12/28/2018 $31,64839MMonthly
Items As of
Date Reported Amount
08/28/2019 $24,344
BalanceAmount
Past Due
Date of Actual
Last Paymnt Paymnt Amount
08/2019 $811
Scheduled
$811
Paymnt AmountDate of 1st
Delinquency
Date of
Last Activity Del. 1st Rptd Amount
08/2019
Date Maj. Charge OffDeferred Pay Balloon Pay
Start Date Amount
Balloon
Pay Date Closed
Date

Status - Pays As Agreet; Type of Account - Into Lease; Whose Account - Individual Account - Individual Account; ADDITIONAL INFORMATION - Auto Lease;

Historical Account Information Balance Scheduled Date of High Credit Amount Type of Activity Actual Payment Last Credit Limit Past Loan Designator Payment Amount Payment Due Amount 08/19 | No Data Available 07/19 $25,156 $811 $811 7/1/2019 $31,648 Auto Lease $31,648 06/19 | $25,967 $811 $811 6/1/2019 Auto Lease 05/19 $26,779 $811 $811 5/1/2019 $31,648 Auto Lease 04/19 $27,590 $811 $811 4/1/2019 $31,648 Auto Lease 03/19 $28,402 $811 $811 3/1/2019 $31,648 Auto Lease 02/19 | $29,213 $811 $811 2/1/2019 $31,648 Auto Lease

Jpmcb - Card Services PO BOX 15369 WILMINGTON DE 19850-5369 : (800) 945-2000

Account NumberDate Opened High CreditCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
06/14/2007 $2,963$5,000Monthlyਰੋਰੇ
Items As ofBalanceAmountDate ofActualScheduledDate of 1stDate ofDate Maj. Charge OffDeferred Pay Balloon PayBalloonDate
Date ReportedAmountPast DueLast Paymnt Paymnt AmountPaymnt AmountDelinquencyLast Activity Del. 1st Rptd AmountStart Date AmountPay Date Closed
08/13/2019 $012/201812/2018

Status - Pays As Agreed; Type of Account - Revolit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card;

Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
08/19 $012/1/2018$2,963$5,000Credit Card
07/19 $012/1/2018$2,963$5,000Credit Card
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Histoncal Account Information

Continued On Next Page ) Page 15 of 30 9259040335CVJ-002734477- 1- 1 - S

Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
11/18$010/1/2018$1,306$1,400Charge Account
10/18$285$272/1/2018$1,306$1,400Charge Account
09/18 $02/1/2018$1,306$1,400Charge Account
08/18 $02/1/2018$1,306$1,400Charge Account
07/18 $02/1/2018$1,306$1,400Charge Account
06/18 $02/1/2018$1,306$1,400Charge Account
05/18 $02/1/2018$1,306$1,400Charge Account
04/18 $02/1/2018$1,306$1,400Charge Account
03/18 $02/1/2018$1,306$1,400Charge Account
02/18 $03/1/2017$1,306$1,400Charge Account
01/18$03/1/2017$1,306$1,400Charge Account
12/17$03/1/2017$1,306$1,400Charge Account
11/17$03/1/2017$1,306$1,400Charge Account
10/17$03/1/2017$1,306$1,400Charge Account
09/17$03/1/2017$1,306$1,400Charge Account

Municipal Credit Union 22 Cortlandt St New York NY 10007-3107 : (212) 416-7000

Account NumberDate Opened High Credit
12/01/2016 $8,050
Credit LimitTerms Duration Terms Frequency
60M
Monthly32Months Revd Activity DesignatorCreditor Classification
Items As of
Date Reported
09/01/2019 $4,387
Balance
Amount
Amount
Past Due
Date of Actual
08/2019 $185
Last Paymnt Paymnt AmountScheduled
Paymnt Amount
$185
Date of 1st
Delinquency
Date of
Last Activity Del. 1st Rptd Amount
09/2019
Date Mai.Charge OffStart Date AmountDeferred Pay Balloon PayBalloon
Pay Date Closed
Date

Status - Pays As Agreed; Type of Account - Insecured; Whose Account - Incividual Account - Inclividual Account; ADDITIONAL INFORMATION - Unsecured;

( Continued On Next Page )

9259040335CVJ-002734477- 1- 1- S

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Continued On Next Page ) Page 18 of 30 9259040335CVJ-002734477- 1- 1 - S

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Navy Federal Cu P.O. BOX 3700 ATTN: CBR DISPUTES MERRIFIELD VA 22119-3700 : (888) 842-6328

Account NumberDate Opened High CreditCredit LimitTerms Duration Terms FrequencyMonths Revd Activity DesignatorCreditor Classification
01/20/2019 $0$25,000Monthly
Items As of
Date Reported Amount
08/16/2019 $0
BalanceAmount
Past Due
Date ofActual
Last Paymnt Paymnt Amount
Scheduled
Paymnt Amount
Date of 1st
Delinquency
Date of
Last Activity Del. 1st Rotd Amount
Date Maj. Charge OffStart Date AmountDeferred Pay Balloon PayBalloon
Pay Date Closed
Date

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account; ADDITIONAL NFORMATION - Credit Card;

Historical Account Information
BalanceScheduled
Payment
Amount
Actual
Payment
Amount
Date of
Last
Payment
High
Credit
Credit
Limit
Amount
Past
Due
Type of
Loan
Activity
Designator
08/19 $0$0$25,000Credit Card
07/19 $0$0$25,000Credit Card
06/19 $0$0$25,000Credit Card
05/19 $0$0$25,000Credit Card
04/19 $0$0$25,000Credit Card
03/19 $0$0$25,000Credit Card
02/19 $0$0$25,000Credit Card
Nissan Acceptance Corp. 7900 Ridgepoint Dr Irving TX 75063-3153 : (800) 456-6622
Account NumberDate Opened High Credit
11/13/2015 $21,987
Credit Limit72MTerms Duration Terms Frequency
Monthly
37Months Revd Activity Designator
Paid and Closed
Creditor Classification
Items As of
Date Reported Amount
12/31/2018 $0
BalanceAmount
Past Due
Date ofActual
Last Paymnt Paymnt Amount
12/2018 $11,953
Scheduled
Paymrit Amount
Date of 1st
Delinquency
Date of
Last Activity Del. 1st Rotd Amount
12/2018
Date Maj. Charge OffDeferred Pay Balloon Pay
Start Date Amount
Balloon
Pay Date Closed
Date
12/2018

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Accunt - Individual Account; ADDITIONAL INFORMATION - Closed or Pair AccountZero Balance; Auto; Fixed Rate;

Historical Account Information
BalanceScheduled
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 No Data Available
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( Continued On Next Page ) Page 21 of 30 9259040335CVJ-002734477- 1- 1 - S

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m
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,

Draft: efta00124162

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EQUIFAX CREDIT FILE : September 16, 2019 | Pe<br l<br I<br de<br i<br f<br t<br rs<br on<br a<br n<br d<br dre<br d a<br a<br ss<br es<br an<br ny<br o<br , | ica<br io<br In<br fo<br io<br (<br T<br h<br is s<br ion<br Inc<br lu<br de<br d p<br iou<br t<br t<br t<br t a<br n<br rm<br a<br n<br ec<br s y<br ou<br r n<br am<br e,<br cu<br rre<br n<br n<br rev<br s<br he<br I<br de<br i<br fy<br ing<br In<br for<br ion<br d<br by<br d<br i<br )<br t<br t<br t<br te<br tor<br r<br n<br ma<br re<br p<br or<br y<br ou<br r c<br re<br s. | | | --------------------------------------------------------…