Personal Credit Report for:

MONIQUE
MONIQUE NAVES
NAVES

File Number:
361740820
361740820

Date Created:
10/20/2023
10/20/2023

Visit transunion.com/dispute to start a dispute online.

 Personal Information

You have been on our files since 09/07/2012. Your SSN has been masked for your protection.

Credit Report Date

10/20/2023

Social Security Number

XXX-XX-8993

Date of Birth

09/24/1979

Name

MONIQUE TUJUAN NAVES

Addresses

Current Address

3380 PARK RD E PLEASANT GROVE, AL 35127-2828

Date Reported

10/17/2023

Other Address

8534 SW 5TH ST APT 108 PEMBROKE PINES, FL 33025-4513

Date Reported
 05/31/2023

Other Address

57 18TH AVE S BIRMINGHAM, AL 35205-6328

Date Reported

10/10/2014

Phone Numbers

Phone Number

(205) 467-4717

Phone Number

(833) 462-4625

Phone Number

(205) 401-4262

Phone Number

(467) 471-4717

Employers

Employer

SELF EMPLOYED

Date Verified
04/30/2022

GMAK CAPITAL INC

Date Verified
11/18/2021

MARTINS BBQ JOINT

Occupation Date Verified

COOK 11/20/2018

WAFFLE HOUSE

Occupation Date Verified

COOK 02/22/2018

REDMONT HOTEL
 Date Verified
09/11/2012

 Accounts

Typically, creditors report any changes made to your account information monthly. This means that some accounts
listed below may not reflect the most recent activity until the creditor's next reporting. This information may include
things such as balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand
some of the account information that could be reported. Pay Status represents the current status of accounts and
indicates how you are currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status
represents the last reported status of the account.

Payment/Remarks Key

Ratings

OK Current, paying or paid as agreed

N/R Not Reported

X Unknown

30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

VS Voluntarily surrendered

RPO Repossession

C/O Charged off by account provider

FC Foreclosure

Remarks

AAP: Loan assumed by another party

ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
PPD: Paid by co-maker
PPL: Paid profit and loss
PRD: Payroll deduction
PRL: Profit and loss write-off
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
 TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information that
may negatively affect your credit health.

Accounts with Adverse Information

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help
you understand what is generally considered adverse, we have added >brackets< to those items in this report. For
your protection, your account numbers have been partially masked, and in some cases scrambled. Please note:
Accounts are reported as "Current; Paid or paying as agreed" if paid within 30 days of the due date. Accounts
reported as Current may still incur late fees or interest charges if not paid on or before the due date. For any
account that contains medical information, the information following 'Medical-' is not displayed to anyone but you
except where permitted by law.

Account Name

AUTOMAX OF PA78655153485050****

Account Information

Address 1450 N STATE RD 7 HOLLYWOOD, FL 33021

Phone (888) 324-7760

Monthly Payment $500

Date Opened 05/27/2023

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $7,436

Date Updated 09/30/2023

Payment Received $8,657

Last Payment Made 09/28/2023

Pay Status Current; Paid or Paying as Agreed

Terms $500 per month, paid Monthly for 48 months

High Balance (Hist.) High balance of $15,340 from 05/2023 to 09/2023

Payment History

May 2023 June 2023 July 2023 August 2023 September 2023

Balance Balance Balance Balance Balance

$15,380 $15,320 $15,719 $16,029 $7,436

Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $1,001 $0

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $0 $500 $0 $8,657

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$500 $500 $500 $500 $500

Rating Rating Rating Rating Rating

OK OK OK 30 OK

EXETER FINANCE LLC6806815368460****

Account Information

Address 2101 W JOHN CARPENTER FWY IRVING, TX 75063

Phone (800) 321-9637

Monthly Payment

Date Opened 11/27/2021

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $14,931

Date Updated 08/31/2023

Payment Received

Last Payment Made 06/28/2023

High Balance $24,681

Past Due $14,931

Pay Status >Charge-off<

Terms $0 per month, paid Monthly for 74 months

Date Closed 02/28/2023

Estimated month and year this item will be removed 02/2029

Remarks UNPAID BALANCE CHARGED OFF

Payment History

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Rating Rating Rating Rating Rating Rating

OK OK OK OK 30 30

May 2022 June 2022 July 2022 August 2022 September 2022 October 2022

Rating Rating Rating Rating Rating Rating

60 60 90 30 30 60
November 2022 December 2022 January 2023 February 2023 March 2023 April 2023

Rating Rating Rating Rating Rating Rating

90 60 90 C/O C/O C/O

May 2023 June 2023 July 2023

Rating Rating Rating

C/O C/O C/O

POSSIBLE FINANCIAL22THL09SMUOWUHRS45GIN****

Account Information

Address 2231 First Ave Suite B SEATTLE, WA 98121

Phone (206) 202-5115

Monthly Payment $162

Date Opened 11/09/2021

Responsibility Individual Account

Account Type Installment Account

Loan Type UNSECURED

Balance $150

Date Updated 08/31/2023

Payment Received

Last Payment Made 12/15/2021

High Balance $250

Past Due $150

Pay Status >Collection<

Terms $162 per month, paid Bi-weekly for 2 months

Date Closed 04/30/2022

Estimated month and year this item will be removed 01/2029

Remarks PLACED FOR COLLECTION

Payment History

November 2021 December 2021 January 2022 February 2022 March 2022 April 2022

Rating Rating Rating Rating Rating Rating

OK OK OK 30 60 C/O

May 2022 June 2022 July 2022 August 2022 September 2022 October 2022

Rating Rating Rating Rating Rating Rating

COL COL COL COL COL COL

November 2022 December 2022 January 2023 February 2023 March 2023 April 2023

Rating Rating Rating Rating Rating Rating

COL COL COL COL COL COL

May 2023 June 2023 July 2023

Rating Rating Rating

COL COL COL

SUNRISE BANK SELF LENDER1450****

Account Information

515 CONGRESS AVE SUITE 2200,C/O SELF FINANCIAL

Address INC AUSTIN, TX 78701

Phone (605) 250-2620

Monthly Payment

Date Opened 09/03/2020

Responsibility Individual Account

Account Type Installment Account

Loan Type SECURED

Balance

Date Updated 09/11/2021

Payment Received $354

Last Payment Made 09/11/2021

High Balance $520

Pay Status Paid, Closed; was Paid as agreed

Terms $0 per month, paid Monthly for 24 months

Date Closed 09/11/2021

Remarks CLOSED

Payment History
September 2020 October 2020 November 2020 December 2020 January 2021 February 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

March 2021 April 2021 May 2021 June 2021 July 2021 August 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK 30

UNITED AUTO CREDIT CORP9001011573125****

Account Information

3990 WESTERLY PL,STE 200 NEWPORT BEACH, CA

Address 92660

Phone (949) 296-3750

Monthly Payment

Date Opened 11/28/2018

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $5,427

Date Updated 09/30/2023

Payment Received

Last Payment Made 05/18/2021

Pay Status >Charge-off<

Terms $0Single Payment

Date Closed 09/30/2023

High Balance (Hist.) High balance of $16,186 from 08/2023 to 09/2023

Estimated month and year this item will be removed 08/2027

Payment History

December 2018 January 2019 February 2019 March 2019 April 2019 May 2019

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK
 June 2019 July 2019 August 2019 September 2019 October 2019 November 2019

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK 30

December 2019 January 2020 February 2020 March 2020 April 2020 May 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

60 OK OK 30 OK OK
 June 2020 July 2020 August 2020 September 2020 October 2020 November 2020

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

OK 30 OK 30 60 C/O

December 2020 January 2021 February 2021 March 2021 April 2021 May 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O RPO
 June 2021 July 2021 August 2021 September 2021 October 2021 November 2021

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O C/O

December 2021 January 2022 February 2022 March 2022 April 2022 May 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O C/O
 June 2022 July 2022 August 2022 September 2022 October 2022 November 2022

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---

Rating Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O C/O

December 2022 January 2023 February 2023 March 2023 April 2023 May 2023

Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---

Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- PRL<

Rating Rating Rating Rating Rating Rating

C/O C/O C/O C/O C/O C/O
 June 2023 July 2023 August 2023 September 2023

Balance Balance Balance Balance

--- --- $5,427 $5,427

Past Due Past Due Past Due Past Due

--- --- $5,427 $5,427

Amount Paid Amount Paid Amount Paid Amount Paid

--- --- $0 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment

--- --- $0 $0

Remarks Remarks Remarks Remarks

> --- PRL< >

Rating Rating Rating Rating

C/O C/O C/O C/O

Total

MERCHANTS ADJ SERVICE1578****

Account Information

Address PO BOX 7511 MOBILE, AL 36670-0511

Phone (251) 476-6666

Date Opened 10/17/2022

Responsibility Individual Account

Account Type Open Account

Loan Type COLLECTION AGENCY/ATTORNEY

Balance $1,098

Date Updated 09/29/2023

High Balance $1,098

 Original Creditor COMPREHENSIVE PAIN CENTER

Past Due $1,098

Pay Status >Collection<

Estimated month and year this item will be removed 08/2029

Remarks >PLACED FOR COLLECTION<

Satisfactory Accounts
The following accounts are reported with no adverse information. For your protection, your account numbers have
been partially masked, and in some cases scrambled. Please note: Accounts are reported as "Current; Paid or paying
as agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest
charges if not paid on or before the due date.

Account Name

AMERICAN EXPRESS349992075435****

Account Information

Address PO BOX 981537 EL PASO, TX 79998

Phone (800) 874-2717

Date Opened 10/25/2013

Responsibility Individual Account

Account Type Open Account

Loan Type CREDIT CARD

Balance

Date Updated 12/21/2018

High Balance $1,584

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 05/27/2014

Account closed at consumer's request and dispute

Remarks investigation completed, consum; CLOSED

Payment History

May 2014 June 2014 July 2014 August 2014 September 2014 October 2014

Rating Rating Rating Rating Rating Rating

OK OK X X X X

November 2014 December 2014 January 2015 February 2015 March 2015 April 2015

Rating Rating Rating Rating Rating Rating

X X X X X X

May 2015 June 2015 July 2015 August 2015 September 2015 October 2015

Rating Rating Rating Rating Rating Rating

X X X OK OK OK

November 2015 December 2015 January 2016 February 2016 March 2016 April 2016

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

May 2016 June 2016 July 2016 August 2016 September 2016 October 2016

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK
November 2016 December 2016 January 2017 February 2017 March 2017 April 2017

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

May 2017 June 2017 July 2017 August 2017 September 2017 October 2017

Rating Rating Rating Rating Rating Rating

OK OK OK X X X

November 2017 December 2017 January 2018 February 2018 March 2018 April 2018

Rating Rating Rating Rating Rating Rating

X X X X X X

May 2018 June 2018 July 2018 August 2018 September 2018 October 2018

Rating Rating Rating Rating Rating Rating

X X X X X X

November 2018

Rating
X

Total

AUTOMAX OF PA7865504854565350****

Account Information

Address 1450 N STATE RD 7 HOLLYWOOD, FL 33021

Phone (888) 324-7760

Monthly Payment $401

Date Opened 08/12/2023

Responsibility Individual Account

Account Type Installment Account

Loan Type AUTOMOBILE

Balance $14,532

Date Updated 09/30/2023

Payment Received

Pay Status Current; Paid or Paying as Agreed

Terms $401 per month, paid Monthly for 60 months

High Balance (Hist.) High balance of $14,089 from 08/2023 to 09/2023

Payment History

August 2023 September 2023

Balance Balance
$14,261 $14,532

Past Due Past Due

$0 $0

Amount Paid Amount Paid

$0 $0

Scheduled Payment Scheduled Payment

$401 $401

Rating Rating
OK OK

GREEN DOT CORPORATION400421005061****

Account Information

ATTN CREDIT DISPUTES,PO BOX 400 PROVO, UT

Address 84603

Phone (866) 291-0818

Date Opened 06/10/2020

Responsibility Individual Account

Account Type Revolving Account

Loan Type SECURED CREDIT CARD

Balance

Date Updated 09/14/2022

Payment Received

High Balance

Credit Limit $250

Pay Status Paid, Closed; was Paid as agreed

Terms Paid Monthly

Date Closed 07/02/2020

Remarks Account closed at consumer's request; CLOSED

Payment History

June 2020 July 2020 August 2020 September 2020 October 2020 November 2020

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK
 December 2020 January 2021 February 2021 March 2021 April 2021 May 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

June 2021 July 2021 August 2021 September 2021 October 2021 November 2021

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

December 2021 January 2022 February 2022 March 2022 April 2022 May 2022

Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK

June 2022 July 2022 August 2022

Rating Rating Rating

OK OK OK

Inquiries

Regular Inquiries
Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an
inquiry means that the company listed received your credit information on the dates specified. These inquiries will
remain on your credit file for up to 2 years.

Name

ONEMAIN FINANCIAL

Location Requested On
P.O. BOX 3327 08/09/2023
EVANSVILLE, IN 47706
 Phone Inquiry Type
(844) 298-9773 Individual

BACHOMELOANSECOMMDMA via CREDCOBAC 5

Location Requested On
35 N LAKE AVE 09/20/2022
PASADENA, CA 91101

Phone Inquiry Type

(800) 447-6192 Individual

Permissible Purpose
CREDIT TRANSACTION

CAPITAL ONE AUTO FINANCE

Location Requested On
3905 N DALLAS PARKWAY 11/18/2021
PLANO, TX 75093

Phone Inquiry Type

(800) 946-0332 Individual

SANTANDER CONSUMER USA

Location Requested On
8585 NORTH STEMMONS FWY 11/18/2021
DALLAS, TX 75060

Phone Inquiry Type

(855) 825-6667 Individual

EXETER FINANCE CORP

Location Requested On
PO BOX 166097 11/18/2021
IRVING, TX 75016

Phone Inquiry Type

(800) 321-9637 Individual

Account Review Inquiries

The listing of a company's inquiry in this section means that they obtained information from your credit file in
connection with an account review or other business transaction with you. These inquiries are not seen by anyone
but you and will not be used in scoring your credit file (except insurance companies may have access to other
insurance company inquiries, certain collection companies may have access to other collection company inquiries,
and users of a report for employment purposes may have access to other employment inquiries, where permitted by
law).
Name

WALLETHUB

Location Requested On
150 SE 2ND AVE 10/18/2023
SUITE 300
MIAMI, FL 33131

Phone
(202) 221-4414

T-MOBILE

Location Requested On
12920 SE 38TH ST 10/17/2023
BELLEVIEW, WA 98006

Phone
(800) 937-8997

CREDIT SESAME, INC.

Location Requested On
444 CASTRO ST., STE 500 10/17/2023
STE 500
MOUNTAIN VIEW, CA 94041

Phone
(866) 720-0893

TRANSUNION CONSUMER INTE

Location Requested On
760 MARKET STREET 10TH FLOOR 10/05/2023
SAN FRANCISCO, CA 94102

Phone
(844) 580-6816

TRANSUNION CONSUMER INTE

Location Requested On
100 CROSS STREET 09/27/2023
SAN LUIS OBISP, CA 93401

Phone
(805) 782-8282

TRANSUNION INTERACTIVE / CREDIT SESAME

Location Requested On
607 WEST DANA ST, 09/27/2023
SAN JOSE, CA 95120

Phone
(855) 799-9111

TRANSUNION INTERACTIVE

Location Requested On
100 CROSS STREET SUITE 101 09/27/2023
SAN LUIS OBISPO, CA 93401

Phone
(844) 580-6816

PORTFOLIO RECOVERY ASSOCIATES

Location Requested On
140 CORPORATE BLVD 09/10/2023
NORFOLK, VA 23502

Phone
(844) 675-3407

SMALL BUSINESS ADMIN ODA

Location Requested On
14925 KINGSPORT RD 04/10/2023
FORT WORTH, TX 76155

Phone
(800) 366-6303

EXETER FINANCE LLC

Location Requested On
2101 W JOHN CARPENTER FWY 01/09/2023
IRVING, TX 75063

Phone
(800) 321-9637

MONIQUE NAVES via TRANSUNION INTERACTIVE IN

Location Requested On
100 CROSS ST 10/19/2023, 10/19/2023, 09/08/2023
STE 202
SAN LUIS OBISPO, CA 93401
Phone
(855) 681-3196

MONIQUE NAV E via TRANSUNION INTERACTIVE

Location Requested On
100 CROSS STREET 202 10/19/2023, 10/18/2023
SAN LUIS OBISPO, CA 93401

Phone
(844) 580-6816

MONIQUE NAVES via KARMATRANSUNION INTERACT

Location Requested On
100 CROSS STREET 10/18/2023
SAN LUIS OBISPO, CA 93401

Phone
(844) 580-6816

00000000000000000428 via PROGREXIONLEXINGTON LAW

Location Requested On
330 N CUTLER DR 10/18/2023, 10/16/2023, 10/05/2023, 09/26/2023,
NORTH SALT LAKE CITY, UT 84054 09/20/2023, 09/09/2023, 08/10/2023, 08/06/2023,
06/09/2023, 03/08/2023, 02/16/2023, 02/08/2023,
01/04/2023, 12/06/2022, 11/18/2022, 09/21/2022,
09/17/2022, 08/06/2022, 06/07/2022, 05/07/2022,
05/04/2022, 04/07/2022, 04/01/2022, 03/22/2022,
12/07/2021, 12/03/2021, 12/01/2021, 11/19/2021,
11/03/2021, 10/20/2021

Phone
(800) 341-8441

CONSUMERINFO.COM

Location Requested On
475 ANTON BLVD 10/17/2023, 10/15/2023, 10/09/2023, 10/04/2023,
COSTA MESA, CA 92626 10/01/2023, 09/30/2023, 09/28/2023, 09/27/2023,
09/26/2023, 09/25/2023, 09/24/2023, 09/21/2023,
09/08/2023, 09/07/2023, 07/25/2023, 07/24/2023,
07/16/2023, 06/24/2023

Phone
(888) 397-3742

348977362 via CREDITWISE CAPITAL1 TU-B

Location Requested On
CAPITAL ONE N.A. 10/16/2023
PO BOX 85870
RICHMOND, VA 23285

Phone
(877) 383-4802

VERIZON WIRELESS

Location Requested On
5000 BRITTON PKWY 10/15/2023
HILLARD, OH 43026

Phone
(888) 483-7200

MONIQUE NAVES via CREDITWISE CAPITAL1 TU-A

Location Requested On
CAPITAL ONE N.A. 10/13/2023, 09/29/2023, 09/02/2023, 08/04/2023,
PO BOX 85870 07/08/2023, 06/09/2023, 05/13/2023, 04/14/2023,
RICHMOND, VA 23285 03/18/2023, 02/17/2023, 01/21/2023, 12/24/2022,
11/24/2022, 10/24/2022, 09/22/2022, 08/22/2022,
07/25/2022, 06/25/2022, 05/23/2022, 04/22/2022,
03/24/2022, 02/24/2022, 01/25/2022, 12/26/2021,
11/27/2021, 10/30/2021

Phone
(877) 383-4802

CAPITAL ONE

Location Requested On
15060 CAPITAL ONE DRIVE 10/13/2023
RICHMOND, VA 23238

Phone
(800) 689-1789

P121705037E286845865 via CONSUMERINFO

Location Requested On
535 ANTON BLVD SUITE 100 10/05/2023, 09/26/2023
COSTA MESA, CA 92626

Phone
(949) 567-3762

CONSUMERINFO via CONSUMER INFO.COM

Location Requested On
PO BOX 2390 09/24/2023
ALLEN, TX 75013

Phone
(877) 481-6826

PERMANENT GENERAL

Location Requested On
2636 ELM HILL PIKE 07/22/2023
NASHVILLE, TN 37214

Phone
(615) 744-1000

NATIONAL GENERAL INS

Location Requested On
500 W 5TH ST 05/27/2023, 05/27/2023, 05/27/2023, 05/27/2023,
WINSTON SALEM, NC 27101 11/24/2021, 11/24/2021

Phone
(877) 468-3466

PORTFOLIO RECOVERY ASSO

Location Requested On
140 CORPORATE BLVD 05/16/2023
NORFOLK, VA 23502

Phone
(888) 772-7326

ACCEPTANCE INSURANCE

Location Requested On
3813 GREEN HILLS VILLAGE 02/21/2023
NASHVILLE, TN 37215

Phone
(800) 321-0899

MONIQUE NAVES via TUCI ARRAY

Location Requested On
100 CROSS STREET 01/31/2023
SUITE 101
SAN LUIS OBISPO, CA 93401
Phone
(844) 580-6816

MONIQUE NAVES via TUCI - ENHANCED CR CV

Location Requested On
100 CROSS STREET 202 01/31/2023
SAN LUIS OBISP, CA 93401

Phone
(844) 580-6816

TRANSUNION INTERACTIVE

Location Requested On
100 CROSS STREET 01/31/2023
SUITE 202
SAN LUIS OBISPO, CA 93401

Phone
(805) 782-8282

CHS GRANDVIEW MED CT via ECGRANDVIEW MED CTR

Location Requested On
800 MONTCLAIR RD. 01/05/2023
BIRMINGHAM, AL 35213

Phone
(615) 465-7000

ALLY FINANCIAL INC

Location Requested On
PO BOX 380901 12/09/2022
BLOOMINGTON, MN 55438

Phone
(877) 247-2559

ALLIANCE COLLECTION SRV

Location Requested On
207 E FRANKLIN ST. 11/07/2022
TUPELO, MS 38804

Phone
(888) 764-3449

AUSTIN CAPITAL BANK SSB

Location Requested On
512 EAST RIVERSIDE DR 07/15/2022, 06/15/2022
SUITE 100
AUSTIN, TX 78704

Phone
(512) 366-7515

MIDLAND CREDIT MANAGEMENT

Location Requested On
320 EAST BIG BEAVER 06/10/2022
SUITE 300
TROY, MI 48083

Phone
(877) 822-0381

FTAUSTIN CAPITAL BANK SS

Location Requested On
8100 SHOAL CREEK BLVD 06/03/2022
AUSTIN, TX 78757

Phone
(512) 693-3600

CHS GRANDVIEW MED CT via ECGRANDVIEW MED CTR

Location Requested On
800 MONTCLAIR RD. 02/05/2022
BIRMINGHAM, AL 35213

Phone
(615) 465-7000

AGGRESSIVE INSURANCE

Location Requested On
4500 FULLER DRIVE 11/24/2021
SUITE 400
IRVING, TX 75038

Phone
Phone number not available

LIBERTY MUTUAL

Location Requested On
PO BOX 52102 11/24/2021
PHOENIX, AZ 85072
Phone
(617) 654-3741

MONEVO INC

Location Requested On
8910 UNIVERSITY CENTER LN 11/20/2021, 10/20/2021
SUITE 400
SAN DIEGO, CA 92122

Phone
(619) 536-0749

UPSTART NETWORK INC

Location Requested On
2 CIRCLE STAR WAY 11/20/2021
2ND FLOOR
SAN CARLOS, CA 94070

Phone
(650) 204-1000

FTAMERICANWEBLOAN

Location Requested On
749 US HIGHWAY 177 11/20/2021
RED ROCK, OK 74651

Phone
(877) 860-7171

FTWITHU

Location Requested On
8151 HWY 177 11/20/2021
RED ROCK, OK 74651

Phone
(877) 636-1353

RISE

Location Requested On
4150 INTERNATIONAL PLAZA 11/20/2021
STE 300
FT WORTH, TX 76109
 Phone
(866) 580-1226

FTPOSSIBLEFINANCE

Location Requested On
500 YALE AVE N 11/09/2021
SEATTLE, WA 98109

Phone
(206) 202-5115

NETCREDIT

Location Requested On
175 W JACKSON BLVD. 10/20/2021
SUITE 1000
CHICAGO, IL 60604

Phone
(877) 392-2014

ONEMAIN FINANCIAL

Location Requested On
P.O. BOX 3327 10/20/2021
EVANSVILLE, IN 47706

Phone
(844) 298-9773

GIGGLE LLC

Location Requested On
2115 HOLLYWOOD BLVD 300A 10/20/2021
HOLLYWOOD, FL 33020

Phone
(954) 914-9646

 Credit Report Messages

To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts .

Your credit report contains the following messages

Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file.
The credit information on this page has been delivered to you under the applicable exemption provisions: Providing a
consumer with a copy of the consumer's credit report upon the consumer's request.

Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out has no expiration date.)

 Additional Information

The following disclosure of information might pertain to you. The additional information may include Special
Messages, Office of Foreign Assets Control ("OFAC") Potential Matches, Inquiry Analysis, Military Lending Act ("MLA")
Covered Borrower Information, Third Party Supplemental Information and/or Consumer Contributed Financial
Information. Authorized parties may also receive the additional information below from TransUnion.

Inquiry Analysis
The companies that request your credit report must first provide certain information about you. Within the past 90
days, companies that requested your report provided the following information.

Requested
Name
On

MONIQUE NAVES 08/09/2023

Address
8534 SW 5TH ST PEMBROKE PINES, FL 33025-4523

Third Party Supplemental Information

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third
party for supplemental information in connection with a particular transaction in response to a request from a
particular customer. Listed below is the supplemental data that TransUnion obtained from such third parties, as well
as the name(s) of the TransUnion customer for whom it was obtained.

Checking Account and Demand Deposit Account (DDA) Activity

Data Source:

Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)

Requested by: Requested on:

TRANSUNION CONSUMER INTE 10/05/2023

Number of Accounts Consumer is Identified On: Bank Account Closures Identified as Fraudulent:
0 0

Paid Checks in the Last 3 Years: Open (Unpaid) Checks in the Last 3 Years:
0 0
Checks Ordered in the Last Month: Checks Ordered in the Last 2 Months:
0 0

Checks Ordered in the Last 3 Months: Checks Ordered in the Last 6 Months:
0 0

Check Orders in the Last Year: Check Orders in the Last 2 Years:
0 0

Check Orders in the Last 3 Years: Quantity of Checks Ordered in the Last 3 Years:
0 0

Average Checks Ordered in the Last 3 Years: Smallest Number of Checks Ordered:
.00000 0

Largest Number of Checks Ordered: Checking Account Closures in the Last Month:
0 0

Checking Account Closures in the Last 2 Months: Checking Account Closures in the Last 3 Months:
0 0

Checking Account Closures in the Last Year: Checking Account Closures in the Last 2 Years:
0 0

Checking Account Closures in the Last 3 Years: DDA Closures in Last 180 Days:
0 0

DDA Closure in Last 5 Years: Paid DDA Closures in Last 5 Years:

0 0

Unpaid DDA Closures in Last 2 Years: Unpaid DDA Closures in Last 5 Years:
0 0

Unpaid DDA Closures in Last 4 Years: Checking Account Inquiries in the Last Month:
$000000000.00 0

Checking Account Inquiries in the Last 2 Months: Checking Account Inquiries in the Last 3 Months:
0 1

Checking Account Inquiries in the Last 6 Months: Checking Account Inquiries in the Last Year:
1 2

Checking Account Inquiries in the Last 2 Years: DDA Inquiries in the Last 3 Years:
2 2

Total Days Since First Checking Account Inquiry: Days Since Most Recent DDA Inquiry:
294 66

Credit Inquiries in the Last Year: Credit Inquiries in the Last 3 Years:
0 3

Auto Inquiries in the Last 3 Years: Credit Issuance Inquiries in the Last Year:
0 0

Credit Issuance Inquiries in the Last 3 Years: Payday Inquiries in the Last 3 Years:
0 1
 Utility Inquiries in the Last 3 Years: Other Credit Inquiries in the Last 2 years:
0 1

Other Credit Inquiries in the Last 3 Years: Days Since Most Recent Inquiry by Payday Lender:
2 678

DDA & Credit/Non-DDA Inquiries in Last 3 Years: Open (Unpaid) NSFs in the Last Month:
5 0

Open (Unpaid) NSFs in the Last 2 Months: Open (Unpaid) NSFs in the Last 3 Months:
0 0

Open (Unpaid) NSFs in the Last 6 Months: Open (Unpaid) NSFs in the Last Year:
0 0

Open (Unpaid) NSFs in the Last 2 Years: Open (Unpaid) NSFs in the Last Month:
0 $000000000.00

Open (Unpaid) NSFs in the Last 2 Months: Open (Unpaid) NSFs in the Last 3 Months:
$000000000.00 $000000000.00

Open (Unpaid) NSFs in the Last 6 Months: Open (Unpaid) NSFs in the Last Year:
$000000000.00 $000000000.00

Open (Unpaid) NSFs in the Last 2 Years: Open (Unpaid) NSFs in the Last 3 Years:
$000000000.00 $000000000.00

Paid NSFs in the Last Month: Paid NSFs in the Last 2 Months:
0 0

Paid NSFs in the Last 3 Months: Paid NSFs in the Last 6 Months:
0 0

Paid NSFs in the Last Year: Paid NSFs in the Last 2 Years:
0 0

Paid NSFs in the Last Month: Paid NSFs in the Last 2 Months:
$000000000.00 $000000000.00

Total Paid NSFs in the Last 3 Months: Total Paid NSFs in the Last 6 Months:
$000000000.00 $000000000.00

Total Paid NSFs in the Last Year: Total Paid NSFs in the Last 2 Years:
$000000000.00 $000000000.00

Total Paid NSFs in the Last 3 Years: Largest Opened (Unpaid) NSF Check:
$000000000.00 $000000000.00

Largest Paid NSF Check:

$000000000.00

Supplemental Consumer Credit Information

Data Source:
 Teletrack (PO Box 740008, Atlanta, GA 30374, (877) 309-5226)

Requested by: Requested on:

ALLY FINANCIAL 02/22/2018

Number of Evictions: Auto Finance Inquiries in the Last 3 Months:

0 1

Auto Finance Inquiries in the Last 6 Months: Auto Finance Inquiries in the Last 9 Months:
1 1

Auto Finance Inquiries in the Last 12 Months: Auto Finance Inquiries in the Last 24 Months:
1 1

Auto Finance Inquiries in the Last 7 Years: Cash Advance Inquiries in the Last 3 Months:
1 0

Cash Advance Inquiries in the Last 6 Months: Cash Advance Inquiries in the Last 9 Months:
1 1

Cash Advance Inquiries in the Last 12 Months: Cash Advance Inquiries in the Last 24 Months:
1 1

Cash Advance Inquiries in the Last 7 Years: Misc Financial Services in the Last 7 Years:
2 1

Rent-to-Own Inquiries in the Last 3 Months: Rent-to-Own Inquiries in the Last 6 Months:
0 0

Rent-to-Own Inquiries in the Last 9 Months: Rent-to-Own Inquiries in the Last 12 Months:
0 0

Rent-to-Own Inquiries in the Last 24 Months: Rent-to-Own Inquiries in the Last 7 Years:
0 0

All Alternative Credit Inquiries in the Last 3 months: All Alternative Credit Inquiries in the Last 6 Months:
1 3

All Alternative Credit Inquiries in the Last 24 Months: All Alternative Credit Inquiries in the Last 7 Years:
3 4

Paid Auto Finance Charge-offs in the Last 24 Months: Paid Payday Loan Charge-offs in the Last 24 Months:
0 0

Paid Rent-to-Own Charge-offs in the Last 24 Months: All Paid Charge-offs in the Last 3 Months:
0 0

All Paid Charge-offs in the Last 24 Months: All Paid Charge-offs in the Last 7 Years:
0 0

Open Auto Finance Charge-offs in the Last 24 Months: Open Payday Loan Charge-offs in the Last 24 months:
0 0

Open Rent-to-Own Charge-offs in the Last 24 Months: All Open Charge-offs in the Last 3 Months:
0 0
 All Open Charge-offs in the Last 6 Months: All Open Charge-offs in the Last 9 Months:
0 0

All Open Charge-offs in the Last 12 Months: All Open Charge-offs in the Last 24 Months:
0 0

All Open Charge-offs in the Last 7 Years:

0

Supplemental Public Records and Residential Information

Requested On:

TRANSUNION CONSUMER INTE

Requested on: Home Equity Loans:

10/05/2023 0

Available Home Equity: Home Equity Loan Amount:

$0 $0

Refinance Indicator: Refinance or Equity Fixed Mortgages in Last 24 Months:

No 0

Conventional Mortgages recorded in the Last 24 Months: FHA Mortgage Loans Recorded:
0 0

First Mortgage Amount: Interest Rate on Most Recent Mortgage:

$0 -1.00

Second Mortgage Amount: Loan Term of Most Recent Mortgage (in Months):
$0

Foreclosure:
No

Should you wish to contact TransUnion, you may do so,

Online:

To report an inaccuracy, please visit: service.transunion.com 

For answers to general questions, please visit: www.transunion.com 

By Mail:

TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016-2000

By Phone:
 (800) 916-8800

You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time,
except on major holidays.

For all correspondence, please have your TransUnion file number available (located at the top of this report).

SUMMARY OF RIGHTS

GENERAL SUMMARY OF RIGHTS UNDER THE FCRA

Para informacion en espanol, visite www.consumerfinance.gov/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). For more information, including information about additional rights, go to
www.consumerfinance.gov/learnmore , or write to: Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.

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.

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 disclosure if:

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 on your file;

your file contains inaccurate information as a result of fraud;

you are on public assistance;

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 more additional information.

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.
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.

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.

You must give your consent for reports to be provided to employers. A consumer reporting agency may not give
out information about you to your employer, or a potential employer, without your written consent given to the
employer. Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore .

You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you
choose to remove your name and address from the lists these offers are based on. You may opt-out with the
nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT)

You have a right to place a security freeze on your credit report which will prohibit a consumer reporting agency
from releasing information in your credit report without your express authorization. The security freeze is
designed to prevent credit, loans, and services from being approved in your name without your consent. However,
you should be aware that using a security freeze to take control over who gets access to the personal and financial
information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent
request or application you make regarding a new loan, credit, mortgage, or any other account involving the
extension of credit.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the
person or entity, with which you have an existing account that requests information in your credit report for the
purposes of reviewing or collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit
file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud
alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity
before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which
is a fraud alert lasting 7 years.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer
reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in
state or federal court. You may also have the right to file suit under state law.

Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore .
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may
have more rights under state law. For more information, contact your state or local consumer protection agency
or your state Attorney General. For information about your federal rights, contact:

TYPE OF BUSINESS CONTACT

a. Consumer
Financial
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and Protection Bureau
their affiliates 1700 G Street, N.W.
Washington, DC
20552
b. Federal Trade
Commission
Consumer
Response Center
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in
600 Pennsylvania
addition to the CFPB:
Avenue, N.W.
Washington, DC
20580
(877) 382-4357
a. Office of the
Comptroller of the
Currency
2. To the extent not included in item 1 above: Customer
a. National banks, federal savings associations, and federal branches and federal agencies of Assistance Group
foreign banks 1301 McKinney
Street, Suite 3450
Houston, TX 77010-
9050
b. Federal Reserve
b. State member banks, branches and agencies of foreign banks (other than federal branches, Consumer Help
federal agencies, and Insured State Branches of Foreign Banks), commercial lending Center
companies owned or controlled by foreign banks, and organizations operating under section P.O. Box 1200
25 or 25A of the Federal Reserve Act. Minneapolis, MN
55480
c. FDIC Consumer
Response Center
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state 1100 Walnut Street,
savings associations Box #11
Kansas City, MO
64106
d. National Credit
Union
Administration
Office of Consumer
Financial
Protection (OCFP)
d. Federal Credit Unions Division of
Consumer
Compliance Policy
and Outreach
1775 Duke Street
Alexandria, VA
22314

Asst. General
Counsel for
Aviation
Enforcement &
Proceedings
Aviation Consumer
3. Air carriers Protection Division
Department of
Transportation
1200 New Jersey
Avenue, S.E.
Washington, DC
20590
Office of
Proceedings,
Surface
Transportation
Board
4. Creditors Subject to the Surface Transportation Board
Department of
Transportation
395 E Street, S.W.
Washington, DC
20423
Nearest Packers
and Stockyards
5. Creditors Subject to the Packers and Stockyards Act, 1921
Administration area
supervisor
Associate Deputy
Administrator for
Capital Access
United States Small
Business
6. Small Business Investment Companies
Administration
409 Third Street,
S.W., Suite 8200
Washington, DC
20416
Securities and
Exchange
Commission
7. Brokers and Dealers
 100 F Street, N.E.
Washington, DC
20549
Farm Credit
Administration
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, 1501 Farm Credit
and Production Credit Associations Drive
McLean, VA 22102-
5090
Federal Trade
Commission
Consumer
Response Center
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above 600 Pennsylvania
Avenue, N.W.
Washington, DC
20580
(877) 382-4357

FRAUD VICTIM RIGHTS

SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT

Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial

Protection Bureau, 1700 G Street N.W. Washington, DC 20552

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency that you believe you are a
victim of identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth,
or other identifying information, without authority, to commit fraud. For example, someone may have committed
identity theft by using your personal information to open a credit card account or get a loan in your name. For more
information, visit www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G
Street N.W., Washington, DC 20552.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of
identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.

1. You have the right to place a ‘security freeze’ on your credit report, which will prohibit a consumer reporting
agency from releasing information in your credit report without your express authorization.

The security freeze is designed to prevent credit, loans, and services from being approved in your name
without your consent. However, you should be aware that using a security freeze to take control over who gets
access to the personal and financial information in your credit report may delay, interfere with, or prohibit the
timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or
any other account involving the extension of credit.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf
 of the person or entity, with which you have an existing account that requests information in your credit
report for the purposes of reviewing or collecting the account. Reviewing the account includes activities
related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

2. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your
credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon
seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the
consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an
extended fraud alert, which is a fraud alert lasting 7 years.

To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of
your identity, which may include your Social Security Number. If you ask for an extended alert, you will have to
provide an identity theft report. An identity theft report includes a copy of a report you have filed with a
federal, state, or local law enforcement agency, and additional information a consumer reporting agency may
require you to submit. For more detailed information about the identity theft report, visit
www.consumerfinance.gov/learnmore .

You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As
soon as that agency processes your alert, it will notify the other two, which then must also place fraud alerts
in your file.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289;www.transunion.com 

3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert
entitles you to a copy of all information in your file at each of the three nationwide agencies, and an extended
alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These
additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been
opened in your name or whether someone has reported a change in your address. Once a year, you also have
the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has
inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free
file disclosures under other provisions of the FCRA. See www.consumerfinance.gov/learnmore 

4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using
your personal information. A creditor or other business must give you copies of applications and other
business records relating to transactions and accounts that resulted from the theft of your identity, if you ask
for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before
giving you the documents. It also may specify an address for you to send your request. Under certain
circumstances, a business can refuse to provide you with these documents. See
www.consumerfinance.gov/learnmore .

5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you
with certain information about the debt you believe was incurred in your name by an identity thief – like the
name of the creditor and the amount of the debt.
 6. If you believe information in your file results from identity theft, you have the right to ask that a consumer
reporting agency block that information from your file. An identity thief may run up bills in your name and not
pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a
consumer reporting agency to block the reporting of this information, you must identify the information to
block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft
report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t
provide the necessary documentation or where the block results from an error or a material
misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a
debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell,
transfer or place the debt for collection.

7. You may also prevent businesses from reporting information about you to consumer reporting agencies if
you believe the information is a result of identity theft. To do so, you must send your request to the address
specified by the business that reports the information to the consumer reporting agency. The business will
expect you to identify what information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore
, or write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more
information, contact your local consumer protection agency or your state Attorney General.

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has
many other important consumer protections. They are described in more detail at
www.consumerfinance.gov/learnmore .