Dispute Results

WALNUT COVE, NC 27052-6833
1060 ANDREW ACRES DR

ROBERT SCHAFER
000013858- DISC
Atlanta, GA 30348
P.O. Box 105069
CREDIT FILE : September 26, 2023
Confirmation # 3269514009
Dear ROBERT SCHAFER:
We are pleased to let you know that the results of the dispute you recently filed with Equifax are
complete. Here are a few things to know about the process:
Were changes made to my credit report and what actions were taken?
Please see the following page(s) for more detailed information on your specific results.
If we were able to make changes to your credit report based on the information you provided, we have
done so. Otherwise, we contacted the company reporting the information to Equifax for them to
investigate your dispute.
In this situation:
l We request that the reporting company verify the accuracy of the information you disputed;
l We provide them with any relevant information and supporting documentation you provided us
with the dispute to consider as part of the investigation; and
l We request that they send Equifax a response to your dispute and update their records and
systems, as necessary.
If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most
recent status of the public record.
How do I know that all of this is happening?
When the reporting company replies to us, they certify that they have followed Equifax's instructions and the law; considered all information and documentation
provided; and updated your information, as necessary.
What should I do if I do not agree with the results of the investigation?
You have a few options:
(Continued On Next Page) 3269514009-ATT-0c770104000001f5-09262023

Page 1 of 32
000013858-DISC
l You should contact the reporting companies about the information you believe is fraudulent. Ask them to explain their fraud investigation process
and what steps you should take. If they agree the information does not belong to you, have them confirm this to you in writing. You can then send us
the written confirmation if the item continues to report on your credit file.
l You may add a statement of up to 100 words to your credit report. If you provide a consumer statement that contains medical information related to
services provided or medical procedures, then you expressly consent to including this information in every credit report we issue about you.
l You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts
(such as the original agreement), please contact your creditors directly.
l You may provide us additional information or documents (such as an identity theft report or a letter from the reporting company) about your dispute
to help us resolve it by visiting our website https://www.equifax.com/personal/disputes. You may also mail your documents to PO Box
740256, Atlanta GA 30374-0256 or contact us by calling a Customer Representative at (888) EQUIFAX, (888) 378-4329.
l You may contact the Consumer Financial Protection Bureau or your State Attorney General's office about your issue or complaint against Equifax or
the company reporting the information.
What else should I know?
If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated
report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose
(the past 12 months for residents of California, Colorado, Maryland, New York and New Jersey residents).
Also, if you are interested, you may request a description of how the reinvestigation was conducted along with the business name, address and telephone
number (if reasonably available) of the furnisher of your disputed information.
For frequently asked questions about your credit report and the dispute process, please visit Equifax at https://help.equifax.com/.
As always, we thank you for contacting Equifax and the results of your dispute are on the pages following this letter.
(Continued On Next Page) Page 2 of 32 3269514009-ATT-0c770104000001f5-09262023

000013858-DISC
How should I read my dispute results?
To better assist you with understanding the results of your dispute, please review the information below:
l If an item states "Deleted", we have removed it from your credit report and taken steps so it does not reappear.
l If an item states "Verified as Reported", the reporting company has certifed it is reporting accurately.
l If an item states "Updated", we have updated one or more fields on the item based on information received from the reporting company.
Updated disputed account information only: The information you disputed has been updated.
Updated disputed account information. Additional account information was also updated: The information you disputed has been updated as well as
other information on this item.
Disputed information accurate. Updated account information unrelated to the dispute: The information you disputed has been verified as accurate,
however, information unrelated to your dispute has been updated.
Consumer's dispute not specific. Consumer Information verified. Account information updated: Information on your report has been updated.
The Results Of Our Reinvestigation
>>> We have reviewed the current address. The results are: THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION
YOU HAVE SUPPLIED. THE DISPUTED ADDRESS 85 NANCY CT CHRISTIANSBURG VIRGINIA 24073HAS BEEN DELETED. 1060 ANDREW
ACRES DR; WALNUT COVE NC 27052; Residence Since: 02/2012
>>> We have reviewed the identification information. The results are: - Name: ROBERT A SCHAFER JR; SSN: XXX-XX-3032 Birthdate:
05/17/1957

000013858-DISC
For an added convenience, use one of the below options to start an investigation or check the status of your dispute.
Visit us at equifax.com/personal/disputes or Call us at (888) EQUIFAX, (888) 378-4329.

000013858-DISC
State of North Carolina - Notice to Consumers
You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a
consumer reporting agency or a user of your credit report.

000013858-DISC
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
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 our express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name with your
consent. However, you should be aware that using a security freeze to take control over who get access to the personal and financial information in your
credit report may delay, interfere with, or prohibit the timely approval of any subsequent requires or application you make regarding a new loan, credit,
mortgage, or any other account involving the extension of credit.
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.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies on behalf of the person or entity, with which you have an
existing account that requests information in your 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.
To place, temporarily lift or permanently remove the security freeze on your Equifax credit report, you can:
l Log in or create an account at www.myEquifax.com

l Call us at 1-888-298-0045
l Or send a written request that includes your name, address and social security number to:
Equifax Information Services LLC

P.O. Box 105788
Atlanta, GA 30348
If you are sending your request by mail, please be sure to include copies of the following:
One Government Issued ID One Item to Validate Your Address
Example: Example:
Driver's License Driver's License
State Issued ID Card Utility Bill
Passport Pay Stub
Birth Certificate W2 or 1099 Form
For requests to temporarily lift your security freeze, please be sure to specify the desired date range.
Example: March 15, 20XX to March 21, 20XX

000013858-DISC
Notice to Consumers
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and
address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or completeness of the
information; the statement should be brief and may be limited to not more than one hundred words (two hundred words for Maine residents) explaining the
nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding paragraph, you have the
right to request that we send your revised credit file to any company specifically designated by you that received your credit report in the past six months
(twelve months for California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past two years for employment purposes.

000013858-DISC
CREDIT FILE : September 26, 2023 Confirmation # 3269514009
Personal Identification Information (This section includes your name, current and previous Please address all future correspondence to:
addresses, and any other identifying information reported by your creditors.) www.equifax.com/personal/disputes
Name On File: ROBERT A SCHAFER JR
Social Security # XXX-XX-3032 Date of Birth: May 17, 1957 P.O. Box 105069
Current Address: 1060 ANDREW ACRES DR, Walnut cove, NC 27052 Reported: 09/2023 Atlanta, GA 30348
Previous Address(es): 1404 N FLORIDA AVE, ALAMOGORDO, NM 88310 Reported: 09/2023
705 N PIERCE ST, MOUNT AYR, IA 50854 Reported: 09/2014 Phone: (888) EQUIFAX, (888) 378-4329
1518 200TH ST, DIAGONAL, IA 50845 Reported: 09/2023 M - F 9:00am to 5:00pm in your time zone.
Last Reported Employment: RETIRED; First Reported: 01/2023; Last Reported: 01/2023
Previous Employment(s): UNKNOWN
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 Title Descriptions:
Account Number - The Account number reported by credit Amount Past Due - The Amount Past Due as of the Date Reported
grantor Date of Last Paymnt - The Date of Last Payment
Date Acct. Opened - The Date that the credit grantor opened the Actual Pay Amt - The Actual Amount of Last Payment
account Sched Pay Amt - The Requested Amount of Last Payment
High Credit - The Highest Amount Charged Date of 1st Delinquency - The Date of First Delinquency
Credit Limit - The Highest Amount Permitted Date of Last Actvty - The Date of the Last Account Activity
Terms Duration - The Number of Installments or Payments Date Maj Delq Rptd - The Date the 1st Major Delinquency Was
Terms Frequency - The Scheduled Time Between Payments Reported
Months Reviewed - The Number of Months Reviewed Charge Off Amt - The Amount Charged Off by Creditor
Activity Designator - The Most Recent Account Activity Deferred Pay Date - The 1st Payment Due Date for Deferred Loans
Creditor Class - The Type of Company Reporting The Account Balloon Pay Amt - The Amount of Final(Balloon) Payment
Date Reported - Date of Last Reported Update Balloon Pay Date - The Date of Final(Balloon) Payment
Balance Amount - The Total Amount Owed as of the Date Date Closed - The Date the Account was Closed
Reported
Status - Condition of Account When Last Updated by
Creditor or Otherwise
1 : 30-59 Days Past Due 5 : 150-179 Days Past Due J: Voluntary Surrender
Account History
2 : 60-89 Days Past Due 6 : 180 or More Days Past Due K: Repossession
Status Code
Descriptions 3 : 90-119 Days Past Due G: Collection Account L: Charge Off
4 : 120-149 Days Past Due H: Foreclosure

000013858-DISC
IOWA STATE SAVINGS BANK 401 W Adams St Creston IA 508013110
Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification
*1009 10/02/2009 $82,000 5 Years Monthly 99
Date of Last Balance Amountt Date of Last Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Charge Off Deferred Pay Balloon Balloon Date
Reported Update Amount Past Due Payment Amount Amount Delinquency Activity Del. 1st Reported Amount Start Date Pay Amount Pay Date Closed
09/15/2023 $48,092 09/2023 $938 $469 09/2023 $44,254 12/2024
Status - Pays As Agreed; Type of Account - Mortgage; Type of Loan - Conventional Re Mortgage; Whose Account - Joint Account; ADDITIONAL INFORMATION - Real
Estate Mortgage; Conventional Mortgage; Fixed Rate;
Historical Account Information
Balance Scheduled Actual Date of High Credit Amount Type of Activity

Payment Payment Last Credit Limit Past Loan Designator
Amount Amount Payment Due
08/23 $48,379 $469 08/01/2023 $82,000 Conventional Re Mortgage
07/23 $48,619 $469 $469 06/01/2023 $82,000 Conventional Re Mortgage

000013858-DISC


*0519 05/13/2019 $11,370 $12,000 Monthly 52
09/15/2023 $0 04/2022 $1 04/2022
Status - Pays As Agreed; Type of Account - Line of Credit; Type of Loan - Home Equity Line Of Credit; Whose Account - Joint Account; ADDITIONAL INFORMATION -
Home Equity Loan; Line of Credit; Variable/Adjustable Rate;

08/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

000013858-DISC

05/22 $0 $1 $4 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit
01/22 $765 $100 $1,400 01/01/2022 $11,370 $12,000 Home Equity Line Of Credit
12/21 $1,559 $100 12/01/2021 $11,370 $12,000 Home Equity Line Of Credit

000013858-DISC

11/21 $2,951 $100 $700 09/30/2021 $11,370 $12,000 Home Equity Line Of Credit
10/21 $2,937 $100 $1,400 09/30/2021 $11,370 $12,000 Home Equity Line Of Credit
09/21 $3,624 $100 09/01/2021 $11,370 $12,000 Home Equity Line Of Credit
CAPITAL ONE AUTO FINANCE Credit Bureau Dispute PO Box 259407 Plano TX 750259407 : 8009460332
*1001 01/05/2023 $27,115 60 Months Monthly 07
08/31/2023 $24,460 08/2023 $526 $526 08/2023
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Joint Account; ADDITIONAL INFORMATION - Auto; Fixed Rate;

08/23 No Data Available
07/23 $24,860 $526 $526 07/01/2023 $27,115 Auto
06/23 $25,257 $526 $526 06/01/2023 $27,115 Auto
05/23 $25,657 $526 $526 05/01/2023 $27,115 Auto
04/23 $26,050 $526 $526 04/01/2023 $27,115 Auto
03/23 $26,446 $526 $526 03/01/2023 $27,115 Auto
02/23 $26,836 $526 $526 02/01/2023 $27,115 Auto
01/23 $27,237 $526 $27,115 Auto

000013858-DISC
DEPT OF ED/NELNET 121 S 13th St Lincoln NE 685081904 : 8003037818
*5935 04/03/2014 $16,190 300 Months Monthly 03
08/31/2023 $1,181 08/2023 $196 08/2023
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan;

07/23 $1,378 $236 07/01/2023 $16,190 Education Loan
06/23 $1,614 $107 06/01/2023 $16,190 Education Loan
05/23 $1,722 05/01/2023 $16,190 Education Loan
THD/CBNA Ccs Gray Ops Center PO Box 6497 Sioux Falls SD 571176497 : 8006770232
*2545 08/14/2021 $4,210 $7,000 Monthly 24 Paid and Closed
08/30/2023 $0 08/2023 08/2023 08/2023
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account
Closed At Consumers Request; Closed or Paid Account/Zero Balance;

07/23 $134 $29 07/01/2023 $4,210 $7,000 Charge Account
06/23 $309 $29 06/01/2023 $4,210 $7,000 Charge Account
05/23 $484 $29 05/01/2023 $4,210 $7,000 Charge Account

000013858-DISC

04/23 $659 $29 04/01/2023 $4,210 $7,000 Charge Account
03/23 $834 $29 03/01/2023 $4,210 $7,000 Charge Account
02/23 $1,009 $29 02/01/2023 $4,210 $7,000 Charge Account
01/23 $1,184 $29 01/01/2023 $4,210 $7,000 Charge Account
12/22 $1,359 $29 12/01/2022 $4,210 $7,000 Charge Account
11/22 $1,534 $29 11/01/2022 $4,210 $7,000 Charge Account
10/22 $1,709 $29 09/30/2022 $4,210 $7,000 Charge Account
09/22 $1,884 $29 09/01/2022 $4,210 $7,000 Charge Account
08/22 $2,059 $29 08/01/2022 $4,210 $6,000 Charge Account
07/22 $2,234 $29 07/01/2022 $4,210 $6,000 Charge Account
06/22 $2,409 $29 06/01/2022 $4,210 $6,000 Charge Account
05/22 $2,584 $29 05/01/2022 $4,210 $6,000 Charge Account
04/22 $2,759 $29 04/01/2022 $4,210 $6,000 Charge Account
03/22 $2,934 $30 03/01/2022 $4,210 $6,000 Charge Account
02/22 $3,109 $32 02/01/2022 $4,210 $6,000 Charge Account
01/22 $3,284 $33 01/01/2022 $4,210 $5,000 Charge Account
12/21 $3,459 $35 12/01/2021 $4,210 $5,000 Charge Account
11/21 $3,634 $37 11/01/2021 $4,210 $5,000 Charge Account
10/21 $3,809 $39 09/30/2021 $4,210 $5,000 Charge Account

000013858-DISC

09/21 $3,984 $40 09/01/2021 $4,210 $5,000 Charge Account
US DEPT OF ED/GLELSI P.O. BOX 82561 LINCOLN NE 68501 : 2022055015

*7581 04/03/2014 $16,190 99 Transfer/Sold
05/31/2023 $0 04/2023 04/2023 05/2023
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account
Transferred or Sold; Student Loan;

04/23 $1,722 $196 04/01/2023 $16,190 Education Loan
03/23 $1,919 $196 03/01/2023 $16,190 Education Loan
02/23 $2,115 $196 02/01/2023 $16,190 Education Loan
01/23 $2,312 $196 01/01/2023 $16,190 Education Loan
12/22 $2,509 $196 12/01/2022 $16,190 Education Loan
11/22 $2,705 $196 11/01/2022 $16,190 Education Loan

000013858-DISC

10/22 $2,902 $196 09/30/2022 $16,190 Education Loan
09/22 $3,098 $196 09/01/2022 $16,190 Education Loan
08/22 $3,295 $196 08/01/2022 $16,190 Education Loan
07/22 $3,491 $196 07/01/2022 $16,190 Education Loan
06/22 $3,688 $196 06/01/2022 $16,190 Education Loan
05/22 $3,885 $196 05/01/2022 $16,190 Education Loan
04/22 $4,081 $196 04/01/2022 $16,190 Education Loan
03/22 $4,278 $196 03/01/2022 $16,190 Education Loan
02/22 $4,474 $196 02/01/2022 $16,190 Education Loan
01/22 $4,671 $196 01/01/2022 $16,190 Education Loan
12/21 $4,867 $196 12/01/2021 $16,190 Education Loan
11/21 $5,064 $196 11/01/2021 $16,190 Education Loan
10/21 $5,261 $196 09/30/2021 $16,190 Education Loan
09/21 $5,457 $196 09/01/2021 $16,190 Education Loan
SYNCB/LUMBER LIQUIDATORS CNSMR PO Box 71757 Philadelphia PA 191761757 : 8663968254

06/26/2022 $0 03/2019 03/2019 04/2022
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance; Charge; Account Closed Due to Inactivity;

000013858-DISC

03/22 $0 03/01/2019 $3,052 $7,500 Charge Account
02/22 $0 03/01/2019 $3,052 $7,500 Charge Account

000013858-DISC

01/22 $0 03/01/2019 $3,052 $7,500 Charge Account
12/21 $0 03/01/2019 $3,052 $7,500 Charge Account
11/21 $0 03/01/2019 $3,052 $7,500 Charge Account
10/21 $0 03/01/2019 $3,052 $7,500 Charge Account
09/21 $0 03/01/2019 $3,052 $7,500 Charge Account
TD RCS/CUB CADET PO BOX 100270 COLUMBIA SC 29202

03/31/2021 $0 01/2018 01/2018 03/2021
Account/Zero Balance; Charge; Account Closed Due to Inactivity;

*5541 05/03/2016 $2,692 Monthly 23 Paid and Closed
12/31/2020 $0 01/2018 01/2018 12/2020
Account/Zero Balance; Charge;

12/31/2020 $0 01/2018 01/2018 12/2020
Account/Zero Balance; Charge;
FMC-OMAHA SERVICE CTR PO Box 542000 Omaha NE 681548000 : 8007277000

000013858-DISC
*6237 08/30/2014 $21,754 72 Months Monthly 73 Paid and Closed
10/15/2020 $0 08/2020 08/2020 08/2020
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Joint Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero
Balance; Auto; Fixed Rate;
WF/PREFERRED CUST ACCT PO BOX 14517 Des Moines IA 50306 : 8006424720

07/23/2019 $0 09/2017 09/2017 03/2019
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Joint Account; ADDITIONAL INFORMATION - Account Closed At
Consumers Request; Closed or Paid Account/Zero Balance; Charge;

*0419 04/23/2019 $11,020 1 Months Single Pay Loan 01 Paid and Closed
06/14/2019 $0 05/2019 05/2019 05/2019
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Unsecured; Whose Account - Joint Account; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance; Unsecured; Fixed Rate;
CITICARDS CBNA PO Box 6241 Ibs Cdv Disputes Sioux Falls SD 571176241 : 8009505118
03/28/2018 $0 11/2017 11/2017 12/2017
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Closed At
Consumers Request; Closed or Paid Account/Zero Balance;
MONTGOMERY WARD INC 1112 7th Ave Monroe WI 535661364

*329O 11/16/2016 Monthly 03
08/21/2017 $944 $140 01/2017 05/2017 $944
Status - Charge Off; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Charged Off
Account; Charge;
SYNCB/PAYPAL CREDIT CARD PO Box 71727 Philadelphia PA 191761727 : 8663968254

*8493 12/27/2009 $0 $124 Monthly 89 Paid and Closed

000013858-DISC
05/25/2017 $0 02/2012
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance; Credit Card;
CAPITAL ONE BANK USA NA PO BOX 31293 SALT LAKE CITY UT 841311293 : 8009557070
*7380 07/06/2015 $99 $10,000 Monthly 06 Paid and Closed
02/06/2016 $0 09/2015 01/2016
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance; Account Closed By Credit Grantor;
SYNCB/OLD NAVY PO Box 71746 Philadelphia PA 191761746 : 8663968254

*5754 12/02/2004 $104 $124 Monthly 99 Paid and Closed
01/18/2016 $0 03/2007 03/2007 04/2009
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Authorized User; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance;
CHASE CARD PO Box 15298 Wilmington DE 198505298 : 8009452000

06/05/2015 $0 05/2011 05/2011 05/2015
Account/Zero Balance;
AES STANDARDS SECRETARI... PO BOX 61047 HARRISBURG PA 171061047 : 8002330557

04/30/2015 $0 03/2015 03/2015 03/2015
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Co-Maker Or Co-Signer; ADDITIONAL INFORMATION - Closed
or Paid Account/Zero Balance;
MOHELA/DEPT OF ED 633 Spirit Dr Chesterfield MO 630051243 : 8888664352

04/30/2014 $0 04/2014 $3,880 04/2014 04/2014

000013858-DISC
Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid
Account/Zero Balance; Refinanced;

04/30/2014 $0 04/2014 $3,489 04/2014 04/2014

04/30/2014 $0 04/2014 $3,770 04/2014 04/2014

04/30/2014 $0 04/2014 $2,020 04/2014 04/2014

04/30/2014 $0 04/2014 $3,024 04/2014 04/2014
SEARS/CBNA PO Box 6282 Sioux Falls SD 571176282

*9398 02/05/2008 $0 $2,600 Monthly 64 Paid and Closed
01/31/2014 $0 02/2009
Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Closed At
Consumers Request; Closed or Paid Account/Zero Balance;

000013858-DISC
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 for a loan or credit. They may remain on your file up to 2 years.
Company Information Inquiry Date(s)

CAPITAL ON 01/05/2023
PO Box 30253 Salt Lake City UT 841300253 Phone: 8006956950
BEST BUY 09/08/2023
PO Box 6497 Sioux Falls SD 571176497 Phone: 8885741301
JOHN DEERE FINANCIAL 07/22/2022
6400 NW 86TH ST JOHNSTON IA 50131-2945 Phone: 4100818533
SOUTHTOWN CDJ 01/05/2023
2412 N JEFFERSON WAY INDIANOLA IA 50125-9456 Phone: 5159618105
JPMCB - CARD SERVICES 01/16/2023
201 N WALNUT ST WILMINGTON DE 19801-2920 Phone: 8004539719
CBNA 02/02/2023 11/09/2021 11/04/2021
PO BOX 6241 SIOUX FALLS SD 57117-6241 Phone: 8009505114
DISCOVER BANK 06/23/2022
2500 Lake Cook Rd Riverwoods IL 600153851 Phone: 8003472683
CHASE 09/07/2022
201 N WALNUT ST WILMINGTON DE 19801-2920 Phone: 8004539719
COMENITYCAPITAL/ALPHAEONVISION 01/31/2023
3075 LOYALTY CIR COLUMBUS OH 43219-3673 Phone: 1111111111
THD/CBNA 08/21/2023
1 COURT SQ LONG ISLAND CITY NY 11120-0001 Phone: 1111111111
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
file. They may remain on your file for up to 2 years.
Company Information - Prefix Descriptions:
AM OR AR - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.
CAR RENT - Inquiries with this prefix are from rental car companies regarding debit card payment acceptance.
COLLECT - Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lender's behalf, or a
company that purchased your debt.
CONS RPT - Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product.
DDA - Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account.
EMPL OR ND EMPL - Inquiries with this prefix indicate an employment inquiry.
EQUIFAX OR EFX - 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.
FIN PLAN - Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning.
INS - Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting
purposes.
MEDICAL - Inquiries with this prefix are from medical service providers.
ND - Inquiries with this prefix are general inquiries that do not display to creditor grantors.

000013858-DISC
ND MR - 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.
NON APPL - Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant.
PR - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.
PREQAUTO - Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease.
PREQCARD - Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card.
PREQCOMM - Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services.
PREQHE - Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of credit.
PREQIL - 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.
PREQINS - Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote.
PREQMTG - Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan.
PREQOD - Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit.
PREQ - 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.
PRM - 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.
REFRESH - 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.
SUPPORT - Inquiries with this prefix are used by a social service agency related to a government benefit or child support.
UTILSERV - Inquiries with this prefix are used when requesting utility services.
EQUIFAX 09/26/2023
PO BOX 740250 ATLANTA GA 30374-0250 Phone: 8006851111
TRUSTED ID/EQUIFAX 08/06/2023
1201 PEACHTREE ST NE STE 500 ATLANTA GA 30361-6342 Phone:
8004589988
DISCOVER FINANCIAL SERVICE 08/28/2023 01/16/2023 01/09/2023 12/22/2022 12/20/2022 12/09/2022 12/07/2022 11/21/2022
2500 Lake Cook Rd Riverwoods IL 600153851 Phone: 8003472683 11/10/2022 11/03/2022 10/28/2022 10/13/2022 10/06/2022 09/29/2022
TRUSTED ID/EQUIFAX 08/21/2023
1201 W PEACHTREE ST NW ATLANTA GA 30309-3449 Phone: 6787957639
SYNCB/SYNCHRONY MUSIC 09/07/2023
4125 WINDWARD PLZ ALPHARETTA GA 30005-8738 Phone: 8664194096
DISH NETWORK 11/29/2022 09/27/2022
9601 S MERIDIAN BLVD ENGLEWOOD CO 80112-5905 Phone: 1111111111
THE HOME DEPOT - CITI NA 08/22/2023
PO Box 6497 Citibank Sioux Falls SD 571176497 Phone: 8006770232
FINANCE MA 06/20/2023 04/18/2023 02/21/2023
1770 Merritt Blvd Baltimore MD 212223212 Phone: 4102882958
EQUIFAX 09/18/2023
1525 WINDWARD CONCOURSE ALPHARETTA GA 30005-4180 Phone:
7707405455
EQUIFAX, INC. 09/21/2023
1550 PEACHTREE ST NW ATLANTA GA 30309-2402 Phone: 6785450506
CAPITALONE 04/25/2023
PO BOX 31293 SALT LAKE CITY UT 841311293 Phone: 8009557070
MDG USA INC 08/22/2023
135 VETERANS MEMORIAL HWY SE MABLETON GA 30126-2613 Phone:
9058293538

000013858-DISC
USBANK N.A. 08/07/2023
2 MERIDIAN XING RICHFIELD MN 55423-3963 Phone: 1111111111
REPUBLIC FINANCE, LLC 07/11/2023 05/30/2023 04/11/2023
Unknown 7031 Commerce Cir Ste 100 Baton Rouge LA 708091996 Phone:
8003177662
EQUIFAX 09/26/2023
PO Box 740241 Atlanta GA 303740241 Phone: 8006851111
AMICA MUTUAL INSURANCE CO 01/09/2023
P O Drawer 6008 10 Weybosset St Providence RI 029032818 Phone:
8009926422
COMENITYCAPITAL/ALPHAEONVISION 01/31/2023
3075 LOYALTY CIR COLUMBUS OH 43219-3673 Phone: 1111111111
CAPITALONE 08/29/2023
11013 W Broad St Glen Allen VA 230606017
CONSUMERINFO.COM 12/30/2022
1 City Blvd W Ste 401 Orange CA 928683621 Phone: 8888888553

000013858-DISC
Para información en español, 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). Here is a summary of your
major rights under FCRA. 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.
m 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.
m 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:
m a person has taken adverse action against you because of information in your credit report;
m you are the victim of identity theft and place a fraud alert in your file;
m your file contains inaccurate information as a result of fraud;
m you are on public assistance;
m 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.
m 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.
m 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.
m 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.
m 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.
000013858-DISC Page 25 of 32 3269514009-ATT-0c770104000001f5-09262023

m 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.
m 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.
m 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 1-888-5-OPTOUT
(1-888-567-8688).
m The following FCRA right applies with respect to nationwide consumer reporting agencies:
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.
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.
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.
m 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.
m 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:

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

Office of Consumer Financial Protection (OCFP)
Division of Consumer Compliance Policy and Outreach
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, SE
4. Creditors Subject to Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
5. Creditors Subject to Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., Suite 8200
7. Brokers and Dealers Securities and Exchange Commission

100 F Street, NE
8. Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission
Above Consumer Response Center
600 Pennsylvania Avenue, N.W.
(877) 382-4357

Para información en español, 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 that 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 that you
are, the 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 ask that nationwide consumer reporting agencies place "fraud
alerts" in your file to let potential creditors and others know that you may be a victim of
identity theft. A fraud alert can make it more difficult for someone to get credit in your name
because it tells creditors to follow certain procedures to protect you. It also may delay your
ability to obtain credit. You may place a fraud alert in your file by calling just one of the three
nationwide consumer reporting agencies. As soon as that agency processes your fraud alert,
it will notify the other two, which then also must place fraud alerts in your file.
l Equifax: 1-800-525-6285 www.equifax.com
l Experian: 1-888-397-3742 www.experian.com
l TransUnion: 1-800-680-7289 www.transunion.com
An initial fraud alert stays in your file for at least one year. An extended alert stays in your file
for seven 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.consumerfinanace.gov/learnmore.
2. 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 the 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.
3. 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.

4. 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.
5. 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.
6. You also may 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.
7. The following FCRA right applies with respect to nationwide consumer reporting agencies:
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.
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.
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.
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.

Commonly Asked Questions About Credit Files
Q. How can I correct a mistake in my credit file ?
A. Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit grantor,
collection agency or public record source to see if any error has been reported. Information that cannot be verified will be removed from your file. If
you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the credit grantor who is the source of the
information in question.
Q. If I do have credit problems, is there someplace where I can get advice and assistance ?
A. Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a non-profit
organization that offers free or low-cost financial counseling to help people solve their financial problems. CCCS can help you analyze your situation
and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1 (800) 388-2227 for the telephone
number of the office nearest you.
Q. Once the fraud alert is added to my credit file, who will contact me to verify if an application is legitimate ?
A. When the credit grantor accesses your credit file, they should contact you as a part of their credit application approval process.
Facts You Should Know

m The length of time an account or record remains in your credit file is shown below:
Collection Agency Accounts: Remain for up to 7 years from the Date of 1st Delinquency.
Credit or Other Reported Accounts: Accounts paid as agreed remain for up to 10 years from the Date Reported. Accounts not paid as
agreed (i.e. delinquent, charge off, accounts placed for collection) remain for up to 7 years from
the Date of 1st Delinquency.
Public Records: Remain for up to 7 years from the date filed, except:
Bankruptcy - Chapter 7 and 11 remain for up to 10 years from the date filed.
Bankruptcy - Chapter 13 dismissed or no disposition rendered remain for up to 10 years from the date filed.
Unpaid tax liens remain for up to 10 years from the date filed.
Paid tax liens remain for up to 7 years from the date released or up to 10 years from the date filed, whichever is earlier.
New York State Residents Only: Satisfied judgments remain for up to 5 years from the date filed; paid collections remain for up to 5 years
from the Date of 1st Delinquency.
Payment history and Historical Account Information for an account on your credit file, if any, is found at the bottom of an account under the title
"Account History with Status Codes" or "Historical Account Information" respectively.
This payment history reflects the month, year and late payment status, and is generally supplied by credit grantors or other furnishers of
information to Equifax with whom you have a relationship. This history is included on both open accounts and accounts that have already
been closed.
The historical account information reflects a broader view of your credit behavior over a 24 month period. This history is also included on both
open accounts and closed accounts.
Payment in full does not remove your payment history or historical account information. If you have always paid an account as agreed, the
account should not have payment history status information. Specific payment history typically remains on your credit file for up to 7 years
from the date shown for it.
m Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or identify a
consumer.
m To protect your information from misuse, you should monitor any change in mail receipt patterns. Ensure that documents containing personal data
or account numbers are destroyed or made illegible before disposing of them. Do not preprint checks or other documents with unique identifiers
such as your driver's license or social security number. Never give out your account number or identifying information on phone calls in which you
did not initiate the contact.
m To have a fraud alert removed from your credit file, identification information, such as, a copy of your driver's license or utility bill reflecting your
current address along with a copy of your social security card must be provided.

Additional Notice to Consumer:
You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name
and address of the furnisher of information contacted, and if reasonably available the telephone number.
If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or completeness of
the information; the statement should be brief and may be limited to not more than one hundred words (two hundred words for Maine residents)
explaining the nature of your dispute.
If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding paragraph, you have
the right to request that we send your revised credit file to any company specifically designated by you that received your credit report in the past six
months (twelve months for California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past two years for
employment purposes.

RESEARCH REQUEST FORM
You may initiate an investigation request via the internet at www.equifax.com/personal/disputes . To initiate your
request or if you elect below to have the results of your investigation posted on a secured website, you will need
the below confirmation number, email address you provided, and ID information.
Or, mail this document to the following address:
P.O. Box 105069
Atlanta, GA 30348
(888) EQUIFAX, (888) 378-4329
Email Address (please print clearly):

Would you like Equifax to hide the first 5 digits of your social security number on our response to you? Circle: Yes No
Confirmation Number: 3269514009

Intentionally making any false statements to a consumer reporting agency for the purpose of having it placed on a consumer report is punishable by law
in some states.To ensure that your request is processed accurately, please enlarge photocopies of any items that contain small print (i.e. driver's license,
W2 Forms, etc.). Photocopies that are not legible or contain highlighting may cause us to request that you resubmit your request for clarity.
If your identity information differs from the information listed on this form, please fill in the correct information in the space provided for each item. Please
provide a photocopy of your driver's license, social security card, or recent utility bill that reflects the correct information.
Name: ROBERT A SCHAFER JR SSN #: XXX-XX-3032
DOB: May 17, 1957
Current Address: 1060 ANDREW ACRES DR, Walnut cove, NC 27052
Previous Address(es): 1404 N FLORIDA AVE, ALAMOGORDO, NM

88310
705 N PIERCE ST, MOUNT AYR, IA 50854
Daytime Phone Number Evening Phone Number
List other names which you have used for credit in the past
Fraud Account Information

Company Name Account Number
Reason for investigation: q Fraudulent account was established using personal identification without my authorization.
q Fraudulent/unauthorized charges made on the account I established.
q Other (Please explain)
If you have notified this creditor of the fraudulent information, please provide the following:
Contact Name Department Name Phone # ( ) -



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WALNUT COVE, NC 27052-6833

1060 ANDREW ACRES DR

Dear ROBERT SCHAFER:

How do I know that all of this is happening?

What should I do if I do not agree with the results of the investigation?

You have a few options:

(Continued On Next Page) 3269514009-ATT-0c770104000001f5-09262023

What else should I know?

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The Results Of Our Reinvestigation

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Visit us at equifax.com/personal/disputes or Call us at (888) EQUIFAX, (888) 378-4329.

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l Log in or create an account at www.myEquifax.com

Equifax Information Services LLC

One Government Issued ID One Item to Validate Your Address

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Previous Employment(s): UNKNOWN

Credit Account Information

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Historical Account Information

Balance Scheduled Actual Date of High Credit Amount Type of Activity

07/23 $48,619 $469 $469 06/01/2023 $82,000 Conventional Re Mortgage

06/23 $48,910 $469 $938 05/01/2023 $82,000 Conventional Re Mortgage

05/23 $49,187 $469 05/01/2023 $82,000 Conventional Re Mortgage

04/23 $49,423 $469 $469 03/01/2023 $82,000 Conventional Re Mortgage

03/23 $49,705 $469 $469 03/01/2023 $82,000 Conventional Re Mortgage

02/23 $49,993 $469 $469 01/01/2023 $82,000 Conventional Re Mortgage

01/23 $50,266 $469 $938 12/01/2022 $82,000 Conventional Re Mortgage

12/22 $50,497 $469 12/01/2022 $82,000 Conventional Re Mortgage

11/22 $50,775 $469 $469 09/30/2022 $82,000 Conventional Re Mortgage

10/22 $51,003 $469 $469 09/01/2022 $82,000 Conventional Re Mortgage

09/22 $51,279 $469 $469 08/01/2022 $82,000 Conventional Re Mortgage

08/22 $51,554 $469 $469 07/01/2022 $82,000 Conventional Re Mortgage

07/22 $51,779 $469 $469 06/01/2022 $82,000 Conventional Re Mortgage

06/22 $52,059 $469 $469 05/01/2022 $82,000 Conventional Re Mortgage

(Continued On Next Page) Page 9 of 32 3269514009-ATT-0c770104000001f5-09262023

Balance Scheduled Actual Date of High Credit Amount Type of Activity

05/22 $52,324 $469 $469 04/01/2022 $82,000 Conventional Re Mortgage

04/22 $52,546 $469 $469 03/01/2022 $82,000 Conventional Re Mortgage

03/22 $52,816 $469 $469 02/01/2022 $82,000 Conventional Re Mortgage

02/22 $53,093 $469 $469 01/01/2022 $82,000 Conventional Re Mortgage

01/22 $53,311 $469 $469 12/01/2021 $82,000 Conventional Re Mortgage

12/21 $53,570 $469 $469 12/01/2021 $82,000 Conventional Re Mortgage

11/21 $53,837 $469 $469 09/30/2021 $82,000 Conventional Re Mortgage

10/21 $54,051 $469 $469 09/01/2021 $82,000 Conventional Re Mortgage

09/21 $54,315 $469 $938 09/01/2021 $82,000 Conventional Re Mortgage

IOWA STATE SAVINGS BANK 401 W Adams St Creston IA 508013110

Historical Account Information

Balance Scheduled Actual Date of High Credit Amount Type of Activity

07/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

(Continued On Next Page) Page 10 of 32 3269514009-ATT-0c770104000001f5-09262023

Balance Scheduled Actual Date of High Credit Amount Type of Activity

05/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

04/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

03/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

02/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit

01/23 $0 $1 04/01/2022 $11,370 $12,000 Home Equity Line Of Credit