Prepared For

ACHAB DUVAL
Personal & Con,dential

Date Generated Apr 16, 2025

Report Number 3261-9350-36

At a
Glance 10 Accounts 0 Public Records 0 Hard Inquiries

Personal Information

4 Names 3 Addresses 3 Employers 2 Other Records

Because your personal information is reported by you, your creditors, and other sources,
it's typical to see small variations in reported personal information, like names and
addresses. For security reasons, many of these items can't be disputed online, but don't
worry—they don't affect your credit score.

Names

ACHAB ACHAB ACHAB J ACHAB

DUVAL DUVAL DUVAL JUNIOR
DUVAL
Name ID Name ID Name ID
#19297 #21239 #13714 Name ID
#939

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 Addresses

692 JAMESTOWN 977 SPRING NW ST 692 JAMESTOWN

BLVD APT1246 PALM BAY FL, BLVD #12
ALTAMONTE 32907-7872 ALTAMONTE
SPRINGS FL, 32714- SPRINGS FL, 32714-
Address ID
7712 7711
#0606885614
Address ID Single family Address ID
#0063459284 #0251380874
Apartment complex Apartment complex

Year of Birth

1999

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 Phone Numbers

(321) 265-9512
Cellular

Employers

MELBOURNE BMW IRASHIAL 2 BISTRO IRASHIAI 2

Accounts
Includes credit cards, real estate loans and installment loans. This information is
reported to the credit bureaus from your creditors.

ALLY FINANCIAL

 Account Info

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 Account Name ALLY FINANCIAL Balance -

Account Number 227934XXXXXX Balance Updated -

Account Type Auto Loan Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 01/22/2020 Original Balance $10,879

Status Paid, Closed/Never late. Highest Balance -

Status Updated Feb 2022 Terms 66 Months

On Record Until Feb 2032

 Payment History

J F M A M J J A S O N D

2022  CLS — — — — — — — — — —

2021            

2020 — —          

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Feb 2032.

 Contact Info
Address PO BOX 380901,
BLOOMINGTON MN 55438

Phone Number (888) 925-2559

BARCLAYS BANK DELAWARE

POTENTIALLY NEGATIVE

 Account Info

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 Account Name BARCLAYS BANK Balance $4,721
DELAWARE
Balance Updated 04/01/2025
Account Number 000488XXXXXXXXX
Recent Payment -
Account Type Credit Card
Monthly Payment -
Responsibility Individual
Credit Limit $3,000
Date Opened 11/07/2022
Highest Balance $4,721
Status Account charged off.
Terms -
$2,924 written off.
$4,721 past due as of On Record Until Dec 2030
Apr 2025.

Status Updated Sep 2024

 Payment History

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 J F M A M J J A S O N D

2025 CO CO CO CO — — — — — — — —

2024 30 60  30 60 90 120 150 CO CO CO CO

2023           30 

2022 — — — — — — — — — —  

 Current / Terms met

30 Past due 30 days
60 Past due 60 days
90 Past due 90 days
120 Past due 120 days
150 Past due 150 days
CO Charge off

Payment history guide

Charge Off as of Apr 2025 to Sep 2024

150 days past due as of Aug 2024

120 days past due as of Jul 2024

90 days past due as of Jun 2024

60 days past due as of May 2024,Feb 2024

30 days past due as of Apr 2024,Jan 2024,Nov 2023

This account is scheduled to continue on record until Dec 2030.

 Balance Histories

Date Balance Scheduled Payment Paid

Mar 2025 $4,721 $0 $0 on 7/7/2023

Feb 2025 $4,721 $0 $0 on 7/7/2023

Jan 2025 $4,721 $0 $0 on 7/7/2023

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 Dec 2024 $4,721 $0 $0 on 7/7/2023

Nov 2024 $4,721 $0 $0 on 7/7/2023

Oct 2024 $4,721 $0 $0 on 7/7/2023

Aug 2024 $4,721 $194 $0 on 7/7/2023

Jul 2024 $4,563 $182 $0 on 7/7/2023

Jun 2024 $4,413 $189 $0 on 7/7/2023

May 2024 $4,273 $126 $0 on 7/7/2023

Apr 2024 $2,787 $173 $1,337 on 4/16/2024

Mar 2024 $4,025 $176 $0 on 7/7/2023

Feb 2024 $3,772 $118 $118 on 2/16/2024

Jan 2024 $2,802 $164 $947 on 1/16/2024

Dec 2023 $3,659 $162 $0 on 7/7/2023

Nov 2023 $3,418 $110 $110 on 11/16/2023

Oct 2023 $3,019 $155 $380 on 10/16/2023

Sep 2023 $3,318 $149 $0 on 7/7/2023

Aug 2023 $3,060 $133 $133 on 8/16/2023

Jul 2023 $2,968 $105 $210 on 7/16/2023

Jun 2023 $2,971 $102 $102 on 6/16/2023

May 2023 $2,961 $105 $105 on 5/16/2023

Apr 2023 $2,983 $90 $100 on 4/16/2023

Additional info
Between Apr 2023 and Mar 2025, your credit limit/high balance was $3,000

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  Contact Info
Address PO BOX 8803,
WILMINGTON DE 19899

Phone Number (888) 232-0780

 Comment

Current:

Account closed at credit grantor's request.

Previous:

Account closed at credit grantor's request.

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date

BEST BUY/CBNA
POTENTIALLY NEGATIVE

 Account Info
Account Name BEST BUY/CBNA Balance -

Account Number 603535XXXXXXXXXX Balance Updated -

Account Type Charge Card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 08/15/2021 Credit Limit $350

Status Paid, Closed. Highest Balance $662

Status Updated Mar 2024 Terms -

 Payment History

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 J F M A M J J A S O N D

2024   CLS — — — — — — — — —

2023           30 

2022            

2021 — — — — — — —     

 Current / Terms met

30 Past due 30 days
CLS Closed

Payment history guide

30 days past due as of Nov 2023

 Balance Histories

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 Date Balance Scheduled Payment Paid

Feb 2024 $0 $0 $0 on 11/23/2023

Jan 2024 $0 $0 $0 on 11/23/2023

Dec 2023 $0 $0 $0 on 11/23/2023

Nov 2023 $0 $0 $0 on 11/23/2023

Oct 2023 $83 $32 $0 on 8/31/2023

Sep 2023 $52 $29 $0 on 8/31/2023

Aug 2023 $130 $21 $0 on 7/7/2023

Jul 2023 $99 $29 $0 on 7/7/2023

Jun 2023 $0 $0 $0 on 6/17/2023

May 2023 $80 $29 $0 on 5/17/2023

Apr 2023 $157 $29 $0 on 4/17/2023

Additional info
Between Nov 2023 and Feb 2024, your credit limit/high balance was $350

Between Apr 2023 and Oct 2023, your credit limit/high balance was $2,500

 Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117

Phone Number (888) 237-8289

 Comment

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 Current:

Account closed at credit grantor's request.

Previous:

None

CAPITAL ONE
POTENTIALLY NEGATIVE

 Account Info
Account Name CAPITAL ONE Balance $2,606

Account Number 400344XXXXXXXXXX Balance Updated 03/18/2025

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 04/20/2018 Credit Limit $2,000

Status Account charged off. Highest Balance $2,606

$2,606 written off.
Terms -
$2,606 past due as of
Mar 2025. On Record Until Jun 2030

Status Updated Apr 2024

 Payment History

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 J F M A M J J A S O N D

2025 CO CO CO — — — — — — — — —

2024 120 150 ND CO CO CO CO CO CO CO CO CO

2023          30 60 90
2022            

2021            

2020     30       

2019            

2018 — — — —        

 Current / Terms met

30 Past due 30 days
60 Past due 60 days
90 Past due 90 days
120 Past due 120 days
150 Past due 150 days
CO Charge off
ND No data for this period

Payment history guide

Charge Off as of Mar 2025 to Apr 2024

150 days past due as of Feb 2024

120 days past due as of Jan 2024

90 days past due as of Dec 2023

60 days past due as of Nov 2023

30 days past due as of Oct 2023,May 2020

This account is scheduled to continue on record until Jun 2030.

 Balance Histories

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 Date Balance Scheduled Payment Paid

Feb 2025 $2,606 $0 $0 on 3/13/2024

Jan 2025 $2,606 $0 $0 on 3/13/2024

Dec 2024 $2,606 $0 $0 on 3/13/2024

Nov 2024 $2,606 $0 $0 on 3/13/2024

Oct 2024 $2,606 $0 $0 on 3/13/2024

Sep 2024 $2,606 $0 $0 on 3/13/2024

Aug 2024 $2,606 $0 $0 on 3/13/2024

Jul 2024 $2,606 $0 $0 on 3/13/2024

Jun 2024 $2,606 $0 $0 on 3/13/2024

May 2024 $2,606 $0 $0 on 3/13/2024

Apr 2024 $2,606 $0 $0 on 3/13/2024

Feb 2024 $2,540 $90 $0 on 2/13/2024

Jan 2024 $2,475 $92 $0 on 1/13/2024

Dec 2023 $2,407 $129 $0 on 11/13/2023

Nov 2023 $2,302 $123 $0 on 11/13/2023

Oct 2023 $2,201 $121 $0 on 10/13/2023

Sep 2023 $1,972 $113 $0 on 9/18/2023

Aug 2023 $2,008 $76 $0 on 8/14/2023

Jul 2023 $2,031 $77 $0 on 7/7/2023

Jun 2023 $2,102 $104 $0 on 6/13/2023

May 2023 $1,972 $71 $0 on 5/13/2023

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 Apr 2023 $1,755 $64 $0 on 4/13/2023

Additional info
Between Apr 2023 and Feb 2025, your credit limit/high balance was $2,000

 Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131

Phone Number (800) 955-7070

 Comment

Current:

Account previously in dispute - investigation

complete, reported by data furnisher

Account closed at credit grantor's request.

Previous:

Account closed at credit grantor's request.

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date

Account previously in dispute - investigation

complete, reported by data furnisher

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date,
Invalid date, Invalid date, Invalid date, Invalid date

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 CAPITAL ONE
POTENTIALLY NEGATIVE

 Account Info
Account Name CAPITAL ONE Balance $1,654

Account Number 517805XXXXXXXXXX Balance Updated 03/18/2025

Account Type Credit card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 12/23/2019 Credit Limit $1,300

Status Account charged off. Highest Balance $1,654

$1,654 written off.
Terms -
$1,654 past due as of
Mar 2025. On Record Until Nov 2030

Status Updated Oct 2024

 Payment History

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 J F M A M J J A S O N D

2025 CO CO CO — — — — — — — — —

2024   30 60 90 120 150 ND ND CO CO CO

2023  30    30     30 

2022            

2021            

2020            

 Current / Terms met

30 Past due 30 days
60 Past due 60 days
90 Past due 90 days
120 Past due 120 days
150 Past due 150 days
CO Charge off
ND No data for this period

Payment history guide

Charge Off as of Mar 2025 to Oct 2024

150 days past due as of Jul 2024

120 days past due as of Jun 2024

90 days past due as of May 2024

60 days past due as of Apr 2024

30 days past due as of Mar 2024,Nov 2023,Jun 2023,Feb 2023

This account is scheduled to continue on record until Nov 2030.

 Balance Histories

Date Balance Scheduled Payment Paid

Feb 2025 $1,654 $0 $0 on 12/27/2023

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 Jan 2025 $1,654 $0 $0 on 12/27/2023

Dec 2024 $1,654 $0 $0 on 12/27/2023

Nov 2024 $1,654 $0 $0 on 12/27/2023

Oct 2024 $1,654 $0 $0 on 12/27/2023

Jul 2024 $1,613 $59 $0 on 12/27/2023

Jun 2024 $1,573 $56 $0 on 12/27/2023

May 2024 $1,536 $56 $0 on 12/27/2023

Apr 2024 $1,498 $92 $0 on 12/27/2023

Mar 2024 $1,424 $90 $0 on 12/27/2023

Feb 2024 $1,366 $86 $0 on 12/27/2023

Jan 2024 $1,237 $41 $0 on 12/27/2023

Dec 2023 $1,035 $48 $0 on 12/22/2023

Nov 2023 $1,414 $89 $0 on 11/17/2023

Oct 2023 $1,342 $87 $0 on 10/17/2023

Sep 2023 $1,191 $84 $0 on 9/18/2023

Aug 2023 $1,252 $84 $0 on 8/17/2023

Jul 2023 $1,183 $46 $0 on 7/7/2023

Jun 2023 $1,366 $87 $0 on 6/17/2023

May 2023 $1,271 $84 $0 on 5/17/2023

Apr 2023 $1,158 $43 $0 on 4/17/2023

Additional info
Between Apr 2023 and Feb 2025, your credit limit/high balance was $1,300

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  Contact Info
Address PO BOX 31293,
SALT LAKE CITY UT 84131

Phone Number (800) 955-7070

 Comment

Current:

Account closed at credit grantor's request.

Previous:

Account closed at credit grantor's request.

Invalid date, Invalid date, Invalid date, Invalid date, Invalid date

COMMUNITY CU OF FLORIDA
POTENTIALLY NEGATIVE

 Account Info
Account Name COMMUNITY CU OF Balance $12,416
FLORIDA
Balance Updated 03/31/2025
Account Number 198688XXXX
Recent Payment $394 as of 3/17/2025
Account Type Auto Loan
Monthly Payment $394
Responsibility Individual
Original Balance $22,822
Date Opened 02/01/2022
Highest Balance -
Status Open.
Terms 72 Months
Status Updated June 2024

 Payment History

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 J F M A M J J A S O N D

2025    — — — — — — — — —

2024   30  30       

2023         30   

2022 —           

 Current / Terms met

30 Past due 30 days

Payment history guide

30 days past due as of May 2024,Mar 2024,Sep 2023

By Jan 2031, this account is scheduled to go to a positive status.

 Balance Histories

Date Balance Scheduled Payment Paid

Feb 2025 $12,717 $394 $394 on 2/17/2025

Jan 2025 $13,009 $394 $394 on 1/16/2025

Dec 2024 $13,300 $394 $0 on 11/17/2024

Nov 2024 $13,219 $394 $394 on 11/17/2024

Oct 2024 $13,524 $394 $394 on 10/16/2024

Sep 2024 $13,834 $394 $394 on 9/16/2024

Aug 2024 $14,138 $394 $394 on 8/16/2024

Jul 2024 $14,441 $394 $394 on 7/16/2024

Jun 2024 $14,748 $394 $1,183 on 6/17/2024

May 2024 $15,813 $394 $0 on 4/5/2024

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 Apr 2024 $15,697 $394 $788 on 4/5/2024

Mar 2024 $16,364 $394 $0 on 2/16/2024

Feb 2024 $16,249 $394 $0 on 1/22/2024

Jan 2024 $16,162 $394 $788 on 1/22/2024

Dec 2023 $16,807 $394 $394 on 12/13/2023

Nov 2023 $17,135 $394 $394 on 11/28/2023

Oct 2023 $17,376 $394 $788 on 10/27/2023

Sep 2023 $18,199 $394 $0 on 8/16/2023

Aug 2023 $18,065 $394 $0 on 7/31/2023

Jul 2023 $18,002 $394 $788 on 7/31/2023

Jun 2023 $18,997 $394 $394 on 6/22/2023

May 2023 $19,230 $394 $0 on 4/17/2023

Apr 2023 $19,113 $394 $394 on 4/17/2023

Additional info
The original amount of this account was $22,822

 Contact Info
Address 1030 S US HIGHWAY 1,
ROCKLEDGE FL 32955

Phone Number (321) 690-2328

CREDIT COLLECTION SERVIC

POTENTIALLY NEGATIVE

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  Account Info
Account Name CREDIT COLLECTION Balance $575
SERVIC
Balance Updated 04/14/2025
Account Number 696236X
Recent Payment -
Account Type Collection
Monthly Payment -
Responsibility Individual
Original Balance $575
Date Opened 09/29/2023
Highest Balance -
Status Collection account. $575
Terms 1 Month
past due as of Apr 2025.
On Record Until Apr 2030
Status Updated Sep 2023

 Payment History

J F M A M J J A S O N D

2025 C C C C — — — — — — — —

2024 C C C C C C C C C C C C
2023 — — — — — — — — — — — C

C Collection

Payment history guide

Collection as of Apr 2025 to Dec 2023

This account is scheduled to continue on record until Apr 2030.

 Balance Histories

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 Date Balance Scheduled Payment Paid

Mar 2025 $575 $0 $0

Feb 2025 $575 $0 $0

Jan 2025 $575 $0 $0

Dec 2024 $575 $0 $0

Nov 2024 $575 $0 $0

Oct 2024 $575 $0 $0

Sep 2024 $575 $0 $0

Aug 2024 $575 $0 $0

Additional info
The original amount of this account was $575

 Historical Info
Original Creditor GEICO CASUALTY CO

 Contact Info
Address 725 CANTON ST,
NORWOOD MA 02062

Phone Number (855) 304-8921

 Comment

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 Current:

Account information disputed by consumer (Meets

requirement of the Fair Credit Reporting Act).

Previous:

None

JEFFERSON CAPITAL SYSTEMS

POTENTIALLY NEGATIVE

 Account Info
Account Name JEFFERSON CAPITAL Balance $581
SYSTEMS
Balance Updated 03/29/2025
Account Number 390945XXXXXXX
Recent Payment -
Account Type Debt Buyer
Monthly Payment -
Responsibility Individual
Original Balance $581
Date Opened 04/19/2024
Highest Balance -
Status Collection account. $581
Terms 1 Month
past due as of Mar 2025.
On Record Until Jun 2030
Status Updated Apr 2024

 Payment History

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 J F M A M J J A S O N D

2025 C C C — — — — — — — — —

2024 — — — — — — — — — — — C

C Collection

Payment history guide

Collection as of Mar 2025 to Dec 2024

This account is scheduled to continue on record until Jun 2030.

 Balance Histories

Date Balance Scheduled Payment Paid

Mar 2025 $581 $0 $0

Jan 2025 $581 $0 $0

Jan 2025 $581 $0 $0

Additional info
The original amount of this account was $581

 Historical Info
Original Creditor PAYPAL CREDIT

 Contact Info
Address 200 14TH AVE E,
SARTELL MN 56377

Phone Number (866) 219-0725

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 SYNCB/CARE CREDIT
POTENTIALLY NEGATIVE

 Account Info
Account Name SYNCB/CARE CREDIT Balance -

Account Number 601918XXXXXXXXXX Balance Updated -

Account Type NA Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 06/24/2019 Original Balance -

Status NO STATUS Highest Balance -

Status Updated NA Terms -

 Payment History

No payment history available to display.

 Contact Info
Address PO BOX 71757,
PHILADELPHIA PA 19176

Phone Number (866) 396-8254

 Comment

Current:

Account in dispute under Fair Credit Billing Act.

Previous:

None

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 SYNCB/PANDORA

 Account Info
Account Name SYNCB/PANDORA Balance -

Account Number 504662XXXXXXXXXX Balance Updated -

Account Type Charge Card Recent Payment -

Responsibility Individual Monthly Payment -

Date Opened 08/09/2022 Credit Limit $250

Status Paid, Closed/Never late. Highest Balance $0

Status Updated Aug 2023 Terms -

On Record Until Aug 2033

 Payment History

J F M A M J J A S O N D

2023        CLS — — — —

2022 — — — — — — —     

 Current / Terms met

CLS Closed

This account is scheduled to continue on record until Aug 2033.

 Balance Histories

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 Date Balance Scheduled Payment Paid

Jul 2023 $0 $0 $0

Jun 2023 $0 $0 $0

May 2023 $0 $0 $0

Apr 2023 $0 $0 $0

Additional info
Between Jul 2023 and Jul 2023, your credit limit/high balance was $250

Between Apr 2023 and Jun 2023, your credit limit/high balance was $1,000

 Contact Info
Address PO BOX 71757,
PHILADELPHIA PA 19176

Phone Number (866) 396-8254

 Comment

Current:

Account closed at credit grantor's request.

Previous:

None

Public Records
Information gathered from courts or other government agencies about legal matters
associated with you. The most common Public Records are bankruptcies, tax liens, and
monetary judgments.

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 No public records reported.

Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or
process initiated by you generally related to a credit or other monetary obligation, such
as when you apply for credit, rental property, or utility service, or default on a loan
causing it to be sent to a collection agency. Hard inquiries are displayed to companies
that receive your consumer report and may stay on your report at least two years.

You do not have any hard inquiries

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers
or lenders periodically reviewing your existing credit accounts. Soft inquiries also
include checking your own credit report or using credit monitoring services, and have no
impact on your credit score.

CAPITAL CITIZENS COMMUNI CONSUME

ONE BANK TY CU OF RINFO.CO
Inquired on Inquired on FLORIDA M
03/10/202 03/13/202 Inquired on Inquired on
5 5 01/21/202 04/16/202
5 5
15000 480
CAPITAL JEFFERSO 10305 US 475
ONE DR, N BLVD, HWY 1, ANTON
RICHMOND WARWICK ROCKLEDG BLVD,
VA 23238 RI 02886 E FL 32955 COSTA

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 (401) 456- (321) 690- MESA CA
1473 2328 92626

CREDIT CREDIT CREDIT EXPERIAN

CONTROL, KARMA KARMA Inquired on
LLC Inquired on Inquired on 04/16/202
Inquired on 04/16/202 04/12/202 5
02/15/202 5, 5,
5 and 12/0 04/15/202 04/09/202 475
4/2024 5, 5, ANTON
04/14/202 04/05/202 BLVD,
5757 5, 5, COSTA
PHANTOM 04/13/202 04/02/202 MESA CA
DR STE 5, 5, 92626
330, 04/12/202 03/30/202
HAZELWO 5, 5,
OD MO 04/11/202 03/26/202
63042 5, 5,
(314) 442- 04/06/202 03/22/202
7400 5, 5,
04/04/202 03/19/202
5, 5,
04/02/202 03/15/202
5, 5,
04/01/202 03/12/202
5, 5,
03/30/202 03/08/202
5, 5,
03/29/202 03/05/202
5, 5,
03/22/202 03/01/202
5, 5,
03/15/202 02/26/202
5, 5,

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 03/08/202 02/23/202
5, 5,
03/06/202 02/19/202
5, 5,
03/03/202 02/15/202
5, 5,
03/01/202 02/12/202
5, 5,
02/26/202 02/08/202
5, 5,
02/25/202 02/06/202
5, 5,
02/22/202 01/29/202
5, 5,
02/19/202 01/26/202
5, 5,
02/18/202 01/22/202
5, 5,
02/16/202 01/18/202
5, 5,
02/15/202 01/15/202
5, 5,
02/12/202 01/11/202
5, 5,
02/11/202 01/08/202
5, 5,
02/08/202 01/01/202
5, 5,
02/06/202 12/29/202
5, 4,
02/02/202 12/25/202
5, 4,
02/01/202 12/21/202
5, 4,
01/30/202 12/18/202
5, 4,
01/26/202 12/14/202

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 5, 4,
01/25/202 12/11/202
5, 4,
01/23/202 12/07/202
5, 4,
01/19/202 12/04/202
5, 4,
01/18/202 12/01/202
5, 4,
01/13/202 11/27/202
5, 4,
01/10/202 11/20/202
5, 4,
01/09/202 11/16/202
5, 4,
01/07/202 11/13/202
5, 4,
01/02/202 11/09/202
5, 4,
01/01/202 11/06/202
5, 4,
12/28/202 11/02/202
4, 4,
12/27/202 10/30/202
4, 4,
12/22/202 10/27/202
4, 4,
12/14/202 10/23/202
4, 4,
12/12/202 10/19/202
4, 4,
12/11/202 10/16/202
4, 4,
12/10/202 10/12/202
4, 4,
12/07/202 10/09/202
4, 4,

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 12/05/202 10/02/202
4, 4,
12/02/202 09/28/202
4, 4,
12/01/202 09/25/202
4, 4,
11/30/202 09/21/202
4, 4,
11/29/202 09/18/202
4, 4,
11/28/202 09/14/202
4, 4,
11/27/202 09/11/202
4, 4,
11/24/202 09/07/202
4, 4,
11/23/202 09/04/202
4, 4,
11/16/202 08/31/202
4, 4,
11/14/202 08/28/202
4, 4,
11/09/202 08/24/202
4, 4,
11/07/202 08/21/202
4, 4,
11/06/202 08/17/202
4, 4,
11/05/202 08/14/202
4, 4,
11/02/202 08/10/202
4, 4,
11/01/202 08/07/202
4, 4,
10/30/202 08/03/202
4, 4,
10/27/202 07/31/202

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 4, 4,
10/21/202 07/27/202
4, 4,
10/08/202 07/24/202
4, 4,
10/06/202 07/20/202
4, 4,
10/05/202 07/17/202
4, 4,
10/02/202 07/13/202
4, 4,
10/01/202 07/10/202
4, 4,
09/29/202 07/06/202
4, 4,
09/28/202 07/03/202
4, 4,
09/23/202 06/29/202
4, 4,
09/22/202 06/26/202
4, 4,
09/21/202 06/22/202
4, 4,
09/14/202 06/19/202
4, 4,
09/10/202 06/15/202
4, 4,
09/07/202 06/12/202
4, 4,
09/05/202 06/08/202
4, 4,
09/02/202 06/01/202
4, 4,
09/01/202 05/29/202
4, 4,
08/30/202 05/25/202
4, 4,

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 08/25/202 05/22/202
4, 4,
08/24/202 05/18/202
4, 4,
08/23/202 05/15/202
4, 4,
08/22/202 05/11/202
4, 4,
08/18/202 05/08/202
4, 4,
08/17/202 05/04/202
4, 4,
08/10/202 05/01/202
4, 4,
08/02/202 04/27/202
4, 4,
08/01/202 04/24/202
4, 4,
07/31/202 04/20/202
4, 4 and 04/1
07/30/202 7/2024
4,
07/27/202 760
4, MARKET
07/26/202 ST FL 2,
4, SAN
07/25/202 FRANCISC
4, O CA
07/24/202 94102
4,
07/22/202
4,
07/20/202
4,
07/19/202
4,
07/04/202

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 4,
07/02/202
4,
07/01/202
4,
06/29/202
4,
06/28/202
4,
06/26/202
4,
06/23/202
4,
06/22/202
4,
06/21/202
4,
06/15/202
4,
06/14/202
4,
06/12/202
4,
05/18/202
4,
05/17/202
4,
05/11/202
4,
05/10/202
4,
05/02/202
4,
05/01/202
4,
04/28/202
4,

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 04/27/202
4,
04/26/202
4,
04/24/202
4,
04/23/202
4,
04/21/202
4 and 04/2
0/2024

760
MARKET
ST FL 2,
SAN
FRANCISC
O CA
94102
(415) 510-
5272

EXPERIAN EXPERIAN EXPERIAN FADV

Inquired on Inquired on CREDITMA Inquired on
04/14/202 01/06/202 TCH 02/10/202
5, 5, Inquired on 5
04/07/202 10/20/202 06/03/202
5, 4, 4, 140
03/31/202 10/05/202 06/02/202 FOUNTAIN
5, 4, 4, PKWY N
03/24/202 08/22/202 06/01/202 STE 410,
5, 4, 4, ST
03/17/202 07/25/202 05/31/202 PETERSBU
5, 4, 4, RG FL
33716

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 03/10/202 07/24/202 05/30/202 (727) 290-
5, 4, 4, 1000
03/03/202 07/01/202 05/29/202
On behalf of
5, 4, 4,
INTEGRA
02/24/202 06/26/202 05/28/202
STATION
5, 4, 4, 2114
02/17/202 06/22/202 05/27/202
5, 4, 4,
02/10/202 06/01/202 05/26/202
5, 4, 4,
02/03/202 05/29/202 05/25/202
5, 4, 4,
01/27/202 05/22/202 05/24/202
5, 4, 4,
01/20/202 05/01/202 05/23/202
5, 4, 4,
01/13/202 04/25/202 05/22/202
5, 4 and 04/2 4,
01/06/202 0/2024 05/21/202
5, 4,
12/30/202 475 05/20/202
4, ANTON 4,
12/23/202 BLVD, 05/19/202
4, COSTA 4,
12/16/202 MESA CA 05/18/202
4, 92626 4,
12/09/202 05/17/202
4, 4,
12/02/202 05/16/202
4, 4,
11/25/202 05/15/202
4, 4,
11/18/202 05/14/202
4, 4,
11/11/202 05/13/202
4, 4,
11/04/202 05/12/202

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 4, 4,
10/28/202 05/11/202
4, 4,
10/21/202 05/10/202
4, 4,
10/14/202 05/09/202
4, 4,
10/07/202 05/08/202
4, 4,
09/30/202 05/07/202
4, 4,
09/23/202 05/06/202
4, 4,
09/16/202 05/05/202
4, 4,
09/09/202 05/04/202
4, 4,
09/02/202 05/03/202
4, 4,
08/26/202 05/02/202
4, 4,
08/19/202 05/01/202
4, 4,
08/12/202 04/30/202
4, 4,
08/05/202 04/29/202
4, 4,
07/29/202 04/28/202
4, 4,
07/22/202 04/27/202
4, 4,
07/08/202 04/26/202
4, 4,
07/01/202 04/25/202
4, 4,
06/24/202 04/24/202
4, 4,

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 06/17/202 04/23/202
4, 4,
06/10/202 04/22/202
4, 4,
06/03/202 04/21/202
4, 4,
05/27/202 04/20/202
4, 4,
05/20/202 04/19/202
4, 4,
05/13/202 04/18/202
4, 4,
05/06/202 04/17/202
4, 4 and 04/1
04/29/202 6/2024
4 and 04/2
2/2024 475
ANTON
475 BLVD # D4,
ANTON COSTA
BLVD, MESA CA
COSTA 92626
MESA CA
92626
(866) 431-
3471

FIRST FLORIDA FLORIDA UNITED

ADVANTA POWER & POWER & STATES
GE/RESIDE LIGHT CO LIGHT CO CITIZENSH
NT DATA Inquired on Inquired on I
Inquired on 02/17/202 02/17/202 Inquired on
02/10/202 5 5 06/11/202
5 4
4200 W 4200 W

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 12770 FLAGLER FLAGLER 111
COIT RD ST, ST, MASSACH
STE 1000, CORAL CORAL USETTS
DALLAS TX GABLES FL GABLES FL AVE NW,
75251 33134 33134 WASHINGT
(800) 888- ON DC
5773 20529

On behalf of
INTEGRA
STATION
2114 for
Legitimate
Business
Need

Important Messages

Medical Information
By law, we cannot disclose certain medical information (relating to physical,
mental, or behavioral health or condition). Although we do not generally collect
such information, it could appear in the name of a data furnisher (i.e., "Cancer
Center") that reports your payment history to us. If so, those names display on
your report, but on reports to others they display only as "MEDICAL PAYMENT
DATA." Consumer statements included on your report at your request that
contain medical information are disclosed to others.

Public Records Information

If your report contains public records, the Public Records section includes items
from courts that Experian may have obtained through a third party vendor,
LexisNexis Risk Data Management Inc. You may contact them at LexisNexis
Consumer Center, PO Box 105615, Atlanta, GA 30348-5108, or visit
https://experianconsumers.lexisnexis.com .

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 Contact Experian

Online Phone Mail

Visit Experian.com/dispute to dispute Monday - Friday Experian
any inaccurate information, or click 9am to 5pm PO Box 9701
the dispute link next to the item. For (855) 414-6047 Allen, TX 75013
FAQs and online access to your
Experian Credit Report, Fraud Alerts,
and Security Freezes, visit
Experian.com/help

Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumer+nance.gov/learnmore o
escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, D.C. 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 mles 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 the FCRA. For more information, including information about
additional rights, go to www.consumer;nance.gov/learnmore or write to:
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C.
20552.

You must be told if information in your ;le has been used against you. Anyone
who uses a credit report or another type of consumer report to deny your

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 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 ;le. You may request and obtain all
the information about you in the mles of a consumer reporting agency (your "mle
disclosure"). You will be required to provide proper identimcation, which may
include your Social Security number. In many cases, the disclosure will be free.
You are entitled to a free mle 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 in your mle;
your mle 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.consumermnance.gov/learnmore for
additional information.

You have the right to ask for a credit score. Credit scores are numerical
summaries of your creditworthiness 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 mle that is incomplete or inaccurate, and report it to
the consumer reporting agency, the agency must investigate unless your dispute
is frivolous. See www.consumermnance.gov/learnmore for an explanation of
dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unveri;able information. Inaccurate, incomplete or unverimable information
must be removed or corrected, usually within 30 days. However, a consumer
reporting agency may continue to report information it has verimed as accurate.

Consumer reporting agencies may not report outdated negative information. In

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 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 ;le 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 specimes 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.consumermnance.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 5OPTOUT (1 888 567
8688).

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.

Identity theft victims and active duty military personnel have additional rights.
For more Information, visit www.consumermnance.gov/learnmore.

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 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 mnancial 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.

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 As an alternative to a security freeze, you have the right to place an initial or
extended fraud alert on your credit mle at no cost. An initial fraud alert is a 1-year
alert that is placed on a consumer's credit mle. Upon seeing a fraud alert display
on a consumer's credit mle, 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 aoliates, 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.

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 more information about your federal rights,
contact:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit unions a. Bureau of

with total assets of over $10 billion and their Consumer
aoliates. Financial
Protection
b. Such aoliates that are not banks, savings 1700 G Street NW
associations, or credit unions also should list in Washington, DC
addition to the Bureau: 20552

b. Federal Trade
Commission
Consumer
Response Center
600 Pennsylvania
Avenue NW
Washington, DC

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 20580

2. To the extent not included in item 1 above: a. Ooce of the

Comptroller of the
a. National banks, federal savings associations, and Currency
federal branches and federal agencies of foreign Customer
banks Assistance Group
P.O. Box 53570
b. State member banks, branches and agencies of Houston, TX
foreign banks (other than federal branches, federal 77052
agencies, and insured state branches of foreign
banks), commercial lending companies owned or b. Federal Reserve
controlled by foreign banks, and organizations Consumer Help
operating under section 25 or 25A of the Federal Center
Reserve Act PO Box 1200
Minneapolis, MN
c. Nonmember Insured banks, Insured State 55480
Branches of Foreign Banks, and insured state
savings associations c. Division of
Depositor and
d. Federal Credit Unions Consumer
Protection
National Center for
Consumer and
Depositor
Assistance
Federal Deposit
Insurance
Corporation
1100 Walnut
Street, Box #11
Kansas City, MO
64106

d. National Credit

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 Union
Administration
Ooce of
Consumer
Financial
Protection
1775 Duke Street
Alexandria, VA
22314

3. Air carriers Assistant General

Counsel for Ooce
of Aviation
Consumer
Protection
Department of
Transportation
1200 New Jersey
Avenue SE
Washington, DC
20590

4. Creditors Subject to Surface Transportation Ooce of Public

Board Assistance,
Governmental
Affairs, and
Compliance
Surface
Transportation
Board
395 E Street SW
Washington, DC
20423

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 5. Creditors Subject to Packers and Stockyards Act Nearest Packers
and Stockyards
Division Regional
Ooce

6. Small Business Investment Companies Associate

Administrator,
Ooce of Capital
Access
United States
Small Business
Administration
409 Third Street
SW, Suite 8200
Washington, DC
20416

7. Brokers and Dealers Securities and

Exchange
Commission
100 F Street NE
Washington, DC
20549

8. Federal Land Banks, Federal Land Bank Farm Credit

Associations, Federal Intermediate Credit Banks, Administration
and Production Credit Associations 1501 Farm Credit
Drive
McLean, VA
22102-5090

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 9. Retailers, Finance Companies, and All Other FTC Regional
Creditors Not Listed Above Ooce for region in
which the creditor
operates or
Federal Trade
Commission:
Consumer
Response Center -
FCRA
Washington, DC
20580
(877) 382-4357

Notimcation of Rights
Notimcation of Rights for California Consumers
Notimcation of Rights for Colorado Consumers
Notimcation of Rights for Connecticut Consumers
Notimcation of Rights for Maryland Consumers
Notimcation of Rights for Massachusetts Consumers
Notimcation of Rights for Texas Consumers
Notimcation of Rights for Vermont Consumers
Notimcation of Rights for Washington Consumers

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