Lydia Arroyo Advanced Resolution Services, Inc.

HC 60 Box 12742 5005 Rockside Road, Suite 600

Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

To whom it may concern:

Below is information I’ve identified on my credit report that needs to be deleted from your records immediately.

SYNCB/PPC
TransUnion Experian Equifax
Account #: 604419XXXXXX 604419XXXXXXXXXX 604419XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Closed Closed Closed
Account Type: Revolving Revolving Revolving
Balance Owed: $1,084.00 $1,084.00 $1,084.00
Closed Date: -- -- --
Credit Limit: 1200 1200 1200
UNPAID BALANCE REPORTED
AS A LOSS BY CREDIT
Creditor Remarks: PROFIT AND LOSS WRITEOFF GRANTOR CHARGED OFF ACCOUNT
Creditor Type: Banking Banking Banking
Date Opened: 2021-06-07 2021-06-07 2021-06-07
Date Reported: 2024-02-25 2024-02-25 2024-02-25
Date of Last Activity: 2024-02-25 2023-05-01 2024-01-01
Dispute Status: N N N
High Balance: $1,092.00 -- --
Last Payment: -- -- --
Last Verified: 2024-02-25 2024-02-25 2024-02-25
Past Due Amount: -- -- --
Payment Amount: $0.00 -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- -- --
Loan Type: CreditCard CreditCard CreditCard

AMERICAN EXPRESS
TransUnion Experian Equifax
Account #: 349992XXXXXXXXXX 349992XXXXXXXXXX -34999XXXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Closed Closed Closed
Account Type: Revolving Revolving Revolving
Balance Owed: $836.00 $836.00 $836.00
Closed Date: -- -- --
Credit Limit: 0 0 500
UNPAID BALANCE REPORTED
ACCOUNT CLOSED BY CREDIT AS A LOSS BY CREDIT
Creditor Remarks: GRANTOR GRANTOR CHARGED OFF ACCOUNT
Creditor Type: Banking Banking Banking

Page 1 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Date Opened: 2019-06-07 2019-06-07 2019-06-07

Date Reported: 2022-11-07 2022-12-07 2023-05-22
Date of Last Activity: 2022-11-07 2022-06-01 2023-04-01
Dispute Status: N N N
High Balance: $836.00 -- --
Last Payment: -- -- --
Last Verified: 2022-11-07 2022-12-07 2023-05-22
Past Due Amount: -- -- --
Payment Amount: $0.00 -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- -- --
Loan Type: CreditCard CreditCard CreditCard

PORTFOLIO RECOV ASSOC

TransUnion Experian Equifax
Account #: 517805XXXXXXXXXX 517805XXXXXXXXXX CAPIT-XXXXXXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open
Balance Owed: $735.00 $735.00 $735.00
Closed Date: -- -- --
Credit Limit: -- -- --
ACCOUNT SERIOUSLY PAST DUE
DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
GRANTOR'S INTERNAL
Creditor Remarks: PLACED FOR COLLECTION COLLECTION DEPARTMENT COLLECTION ACCOUNT
Creditor Type: CollectionServices CollectionServices Finance
Date Opened: 2023-08-23 2023-08-23 2023-08-23
Date Reported: 2024-03-24 2024-03-24 2024-03-24
Date of Last Activity: 2024-03-24 2023-08-01 2024-02-01
Dispute Status: N N N
High Balance: $735.00 $735.00 $735.00
Last Payment: -- -- --
Last Verified: 2024-03-24 2024-03-24 2024-03-24
Past Due Amount: -- -- --
Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

Page 2 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

LVNV FUNDING LLC

TransUnion Experian Equifax
Account #: 444796XXXXXXXXXX 444796XXXXXXXXXX 444796XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open
Balance Owed: $656.00 $656.00 $656.00
Closed Date: -- -- --
Credit Limit: -- -- --
ACCOUNT SERIOUSLY PAST DUE
DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
ACCOUNT INFORMATION GRANTOR'S INTERNAL
Creditor Remarks: DISPUTED BY CONSUMER COLLECTION DEPARTMENT --
Creditor Type: CollectionServices Finance Finance
Date Opened: 2022-11-16 2022-11-16 2022-11-16
Date Reported: 2024-03-05 2024-03-05 2024-03-05
Date of Last Activity: 2024-03-05 2022-11-01 2024-02-01
Dispute Status: Y N N
High Balance: $656.00 $656.00 $656.00
Last Payment: -- -- --
Last Verified: 2024-03-05 2024-03-05 2024-03-05
Past Due Amount: -- -- --
Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

LVNV FUNDING LLC

TransUnion Experian Equifax
Account #: 444796XXXXXXXXXX 444796XXXXXXXXXX 444796XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open
Balance Owed: $484.00 $484.00 $484.00
Closed Date: -- -- --
Credit Limit: -- -- --

Page 3 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

ACCOUNT SERIOUSLY PAST DUE

DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
ACCOUNT INFORMATION GRANTOR'S INTERNAL
Creditor Remarks: DISPUTED BY CONSUMER COLLECTION DEPARTMENT --
Creditor Type: CollectionServices Finance Finance
Date Opened: 2022-07-19 2022-07-19 2022-07-19
Date Reported: 2024-03-05 2024-03-05 2024-03-05
Date of Last Activity: 2024-03-05 2022-07-01 2024-02-01
Dispute Status: Y N N
High Balance: $484.00 $484.00 $484.00
Last Payment: -- -- --
Last Verified: 2024-03-05 2024-03-05 2024-03-05
Past Due Amount: -- -- --
Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

MIDLAND CREDIT MANAGEM

TransUnion Experian Equifax
Account #: 31795XXXX 317951XXX 317951XXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open
Balance Owed: $435.00 $435.00 $435.00
Closed Date: -- -- --
Credit Limit: -- -- --
ACCOUNT SERIOUSLY PAST DUE
DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
ACCOUNT INFORMATION GRANTOR'S INTERNAL
Creditor Remarks: DISPUTED BY CONSUMER COLLECTION DEPARTMENT --
Creditor Type: CollectionServices CollectionServices Finance
Date Opened: 2022-08-25 2022-08-25 2022-08-25
Date Reported: 2024-03-23 2024-03-23 2024-03-09
Date of Last Activity: 2024-03-23 2022-08-01 2024-02-01
Dispute Status: Y N N
High Balance: $435.00 $435.00 $435.00
Last Payment: -- -- --
Last Verified: 2024-03-23 2024-03-23 2024-03-09
Past Due Amount: -- -- --

Page 4 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

LVNV FUNDING LLC

TransUnion Experian Equifax
Account #: 636992XXXXXXXXXX 636992XXXXXXXXXX 636992XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open
Balance Owed: $424.00 $424.00 $424.00
Closed Date: -- -- --
Credit Limit: -- -- --
ACCOUNT SERIOUSLY PAST DUE
DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
ACCOUNT INFORMATION GRANTOR'S INTERNAL
Creditor Remarks: DISPUTED BY CONSUMER COLLECTION DEPARTMENT --
Creditor Type: CollectionServices Finance Finance
Date Opened: 2021-02-25 2021-02-25 2021-02-25
Date Reported: 2024-03-05 2024-03-05 2024-03-05
Date of Last Activity: 2024-03-05 2021-02-01 2024-02-01
Dispute Status: Y N N
High Balance: $424.00 $424.00 $424.00
Last Payment: -- -- --
Last Verified: 2024-03-05 2024-03-05 2024-03-05
Past Due Amount: -- -- --
Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

MIDLAND CREDIT MANAGEM

TransUnion Experian Equifax
Account #: 31762XXXX 317623XXX 317623XXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Open Closed Open
Account Type: Open Installment Open

Page 5 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Balance Owed: $341.00 $341.00 $341.00

Closed Date: -- -- --
Credit Limit: -- -- --
ACCOUNT SERIOUSLY PAST DUE
DATE/ACCOUNT ASSIGNED TO
ATTORNEY, COLLECTION
AGENCY, OR CREDIT
ACCOUNT INFORMATION GRANTOR'S INTERNAL
Creditor Remarks: DISPUTED BY CONSUMER COLLECTION DEPARTMENT --
Creditor Type: CollectionServices CollectionServices Finance
Date Opened: 2022-07-29 2022-07-29 2022-07-29
Date Reported: 2024-03-23 2024-03-23 2024-03-09
Date of Last Activity: 2024-03-23 2022-07-01 2024-02-01
Dispute Status: Y N N
High Balance: $341.00 $341.00 $341.00
Last Payment: -- -- --
Last Verified: 2024-03-23 2024-03-23 2024-03-09
Past Due Amount: -- -- --
Payment Amount: -- -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- 1 1
Loan Type: FactoringCompanyAccount FactoringCompanyAccount FactoringCompanyAccount

FIRST PREMIER BANK

TransUnion Experian Equifax
Account #: 517800XXXXXX 517800XXXXXXXXXX 517800XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: Late90Days Late90Days Late90Days
Account Status: Open Open Open
Account Type: Revolving Revolving Revolving
Balance Owed: $339.00 $339.00 $339.00
Closed Date: -- -- --
Credit Limit: 200 200 200
ACCOUNT DELINQUENT 90
Creditor Remarks: CREDIT LINE SUSPENDED DAYS PAST DUE DATE CREDIT LINE SUSPENDED
Creditor Type: Banking Banking OilAndNationalCreditCards
Date Opened: 2023-06-08 2023-06-08 2023-06-08
Date Reported: 2024-03-12 2024-03-12 2024-03-12
Date of Last Activity: 2024-02-01 2024-03-01 2024-02-01
Dispute Status: N N N
High Balance: $339.00 $339.00 $339.00
Last Payment: -- -- --
Last Verified: 2024-03-12 2024-03-12 2024-03-12
Past Due Amount: -- -- --

Page 6 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Payment Amount: $30.00 $30.00 $30.00

Payment Frequency: -- -- --
Payment Status: Late90Days Late90Days Late90Days
Term Length: -- -- --
Loan Type: CreditCard CreditCard CreditCard

COMENITYBANK/VICTORIA
TransUnion Experian Equifax
Account #: 539176XXXXXX 539176XXXXXXXXXX 533014XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Transferred Transferred Closed
Account Type: Revolving Revolving Revolving
Balance Owed: $0.00 $0.00 $0.00
Closed Date: -- -- --
Credit Limit: 150 150 150
UNPAID BALANCE REPORTED
PURCHASED BY ANOTHER AS A LOSS BY CREDIT
Creditor Remarks: LENDER GRANTOR CHARGED OFF ACCOUNT
Creditor Type: Clothing Clothing Clothing
Date Opened: 2021-06-06 2021-06-06 2021-06-06
Date Reported: 2023-12-07 2023-12-07 2023-12-07
Date of Last Activity: 2023-12-07 2022-05-01 2023-11-01
Dispute Status: N N N
High Balance: $341.00 -- --
Last Payment: -- -- --
Last Verified: 2023-12-07 2023-12-07 2023-12-07
Past Due Amount: -- -- --
Payment Amount: $0.00 -- --
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- -- --
Loan Type: ChargeAccount ChargeAccount ChargeAccount

FINGERHUT/WEBBANK
TransUnion Experian Equifax
Account #: 636992XXXXXX 636992XXXXXXXXXX 636992XXXXXXXXXX
Account Description: Individual Individual Individual
Account Rating: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Account Status: Transferred Transferred Closed
Account Type: Revolving Revolving Revolving
Balance Owed: $0.00 $0.00 $0.00
Closed Date: -- -- --

Page 7 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Credit Limit: 0 0 400

UNPAID BALANCE REPORTED
PURCHASED BY ANOTHER AS A LOSS BY CREDIT
Creditor Remarks: LENDER GRANTOR CHARGED OFF ACCOUNT
Creditor Type: DepartmentAndMailOrder OilAndNationalCreditCards DepartmentAndMailOrder
Date Opened: 2019-06-11 2019-06-11 2019-06-11
Date Reported: 2021-03-24 2021-03-24 2023-05-22
Date of Last Activity: 2021-03-24 2021-01-01 2023-04-01
Dispute Status: N N N
High Balance: $477.00 -- --
Last Payment: -- -- --
Last Verified: 2021-03-24 2021-03-24 2023-05-22
Past Due Amount: -- -- --
Payment Amount: $0.00 -- $0.00
Payment Frequency: -- -- --
Payment Status: CollectionOrChargeOff CollectionOrChargeOff CollectionOrChargeOff
Term Length: -- -- --
Loan Type: ChargeAccount ChargeAccount ChargeAccount

SYNCB/ROOMS TO GO
TransUnion Experian Equifax
Account #: 601919XXXXXX 601919XXXXXX 601919XXXXXX
Account Description: Individual Individual Individual
Account Rating: Late60Days AsAgreed Late60Days
Account Status: Closed Closed Closed
Account Type: Revolving Revolving Revolving
Balance Owed: $0.00 $0.00 $0.00
Closed Date: -- -- --
Credit Limit: 2000 2000 2000
ACCOUNT CLOSED BY CREDIT ACCOUNT CLOSED AT CREDIT ACCOUNT CLOSED BY CREDIT
Creditor Remarks: GRANTOR GRANTOR'S REQUEST GRANTOR
Creditor Type: Wholesale Banking Finance
Date Opened: 2019-05-19 2019-05-19 2019-05-19
Date Reported: 2021-07-15 2021-07-02 2023-05-22
Date of Last Activity: 2021-06-01 2021-07-01 2023-04-01
Dispute Status: N N N
High Balance: $2,028.00 $2,028.00 $2,028.00
Last Payment: -- -- --
Last Verified: 2021-07-15 2021-07-02 2023-05-22
Past Due Amount: -- -- --
Payment Amount: $0.00 -- $0.00
Payment Frequency: -- -- --
Payment Status: Late60Days AsAgreed Late60Days
Term Length: -- -- --

Page 8 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Loan Type: ChargeAccount ChargeAccount ChargeAccount

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [15 USC
1681e] (b), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure
maximum possible accuracy of the information concerning the individual to whom the report relates.
You are in violation of the FCRA, [15 USC 1681b] (a)(2): (a) In general. Subject to subsection (c), any consumer reporting agency may
furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the
consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and
confidential records and certainly not the information you're reporting.
My rights were violated, especially my right to privacy, according to [15 USC 1681] (a)(4) There is a need to ensure that consumer
reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer’s right to privacy.
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so
will require that I take appropriate legal action.
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity
theft, according to [18 USC 1028A] (a)(1). You have knowingly transferred, possessed, and used, without lawful authority, a means
of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681(n) civil liability, and I demand compensation for every
violation listed below;
1 Permissible purpose $1000
2 Defamation of character $1000
3 Damaged reputation $1000
4 Damaged credit worthiness $1000
5 Damaged mode of living $1000
6 Infringed on right to privacy $1000
Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my
consumer report and all your systems.
Sincerely
Lydia Arroyo
Please send your written response to my address of HC 60 Box 12742, Aguada, PR 00602

Page 9 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Page 10 of 11
Lydia Arroyo Advanced Resolution Services, Inc.
HC 60 Box 12742 5005 Rockside Road, Suite 600
Aguada, PR 00602 Independence, OH 44131
SSN: 4141
DOB: December 17, 1971

Page 11 of 11