EXHIBITA

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INTHE UNITED STATES DISTRICT COURT

FORTHEWESTERN DISTRICT OFTEXAS

SANANTONIO DIVISION

ANNMARIE ATTRIDGE, § 

Plaintiffs, § 

v. § CivilAction No. 5:20-cv-00205-OLG

COLONIAL SAVINGS, F.A. and § 

TRANSUNION, LLC, § 

Defendant. § 

DECLARATION OFJESSICA CRAIG

Pursuant to28U.S.C. Section 1746, Ideclare under penalty ofperjury thatthefollowing

statements aretrueandcorrect: 

1. Myname isJessica Craig. Iamovertheageof18years, have never been

convicted ofacrime, andamfullycompetent tomake thisDeclaration. Ihavepersonal

knowledge ofallthefacts stated herein, andallstatements offactcontained herein aretrueand

correct. 

2. Icurrently holdaposition asEscrow Supervisor at Colonial Savings, F.A. 

amauthorized tomake thisDeclaration onbehalf ofColonial withrespect tothe

loanagreement atissue intheabove-numbered andstyled lawsuit. Imake thisDeclaration based

onmypersonal knowledge ofthefactscontained herein andtheyaretrueandcorrect. My

personal knowledge isbased onmyreview oftherecords described below andcommunications I

havehadwithmycolleagues atColonial. Intheregular performance ofmyjobfunctions at

Colonial, Iamfamiliar withthebusiness records maintained byColonial forthepurpose of

originating mortgage loans, servicing mortgage loans, collecting payments andpursuing

foreclosure when necessary. 

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3. possession

regarding theloanagreement ofAnnMarieAttridge ( Plaintiffthat isowned andservice by

Colonial, andthestatements inthisDeclaration arebased upon myresearch andreview ofthese

documents. 

4. According toColonials records, in2014 itwaswrongly informed byavendor, 

LexisNexis, that Plaintiff hadreceived anOrderofDischarge inaChapter 7bankruptcy case. 

Upon receiving thisinformation, Colonial, according toitsrecords, performed itsownresearch

todetermine whether ornot Plaintiff hadreceived aChapter 7Discharge. Itsresearch showed

thatPlaintiff hadneverfiledabankruptcy petition. 

records (duetoitsreceiptofanerroneous reporting byLexisNexis) briefly indicated that

Plaintiff hadfiledabankruptcy petition, Colonial atthattimedidnotissue acredit report toany

ofthe Credit Reporting Agencies (CRAs) toindicate that Plaintiff hadfileda bankruptcy

case. Atrueandcorrect copyofaninternal emailfromColonial reflecting thiscorrect is

attached hereto asExhibitA-1. 

5. Subsequently, however, according toColonials records, when it changed the

system bywhich ittracks bankruptcy filings, theresearch ithadpreviously conducted showing

thatPlaintiff hadnotfiledfor bankruptcy wasmissing fromPlaintiffs file. Accordingly, the

newsystem inAugust 2015 began erroneously reporting totheCredit Reporting Agencies that

Plaintiff hadfiledaChapter 7bankruptcy petition. 

6. Specifically, themanner bywhich thisreporting occurred wasthrough the

issuance ofaConsumer Information Indicator ( CII) byColonial toTransUnion, alongwiththe

other credit reporting agencies (CRA). TheCode thatColonial issuedwasanE, which

according totheMetro2credit-reporting manual, means thatthesubject debtor hadreceived a

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Chapter 7discharge. 

7. Plaintiff, onApril23, 2021, submitted anon-linedispute toColonial about this

creditreporting anddemanded animmediate correction. Exhibit A-2. Onthissame day, 

Plaintiff sentanemailtoColonial, making thissamedemand. ExhibitA-3. 

8. OnApril29, 2019, Colonial issued anAutomated Universal Data (AUD) form

TransUnion. ExhibitA-4. AnAUDisthemeans bywhich acredit furnisher, suchasColonial, 

can inform aCRA, likeTransUnion, tocorrect prior creditreporting fromthatfurnisher. Inthis

AUD, fortheaccount history, Colonial changed thereporting foreachofthemonths indicated

from - to 0. The - meant thatnopayment wasdue, which would bethe caseifthedebt

hadbeendischarged inaChapter 7bankruptcy. The0meant thatPlaintiff hadmade atimely

payment eachmonth. InthisAUD, Colonial alsochange theCIICode fromEtoblank. The

Emeans thatthesubject debtor hadreceived aChapter 7discharge. Thereporting ofablank

inthissection means thatthere should benoCIIcodereported. Colonial submitted thisAUDto

TransUnion tocorrect theprior report thatColonial hadissued thatPlaintiff hadreceived a

Chapter 7bankruptcy discharge. 

9. OnApril26, 2019, TransUnion submitted toColonial anAutomated Credit

Dispute Verification ( ACDV) andidentified therein Plaintiffs dispute about theerroneous

bankruptcy reporting. Exhibit A-5. CRAs useACDVs toinform credit furnishers about

disputes thatconsumers havemade regarding creditreporting. Credit furnishers, uponreceipt of

anACDVresearch thedispute andthenreturn theACDV totheapplicable CRAwithits

response. 

10. Colonial, inresponse to thisApril 26, 2019 ACDV, investigated Plaintiffs

dispute anddetermined thatPlaintiff wascorrectshe hadnotreceived aChapter 7discharge as

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shehadnoteverfiledforbankruptcy. Colonial atthistimestopped reporting thatPlaintiff had

received aChapter 7Discharge. 

11. OnMay14, 2019, Colonial responded totheACDV. InthisACDVresponse, 

Colonial changed the - forthemonths ofpayments to0anditchanged theCIICodefrom

Etoblank. ExhibitA-5. 

12. OnMay 1, 2019 Colonial responded toPlaintiffs communications toitfrom

April23, 2019. Inthisresponse, Colonial states thatTransUnions reporting oftheChapter 7

discharge order asinadvertent andthatColonial would issue corrective credit reporting sothat

thedischarge orderwouldnolonger bereported. ExhibitA-6. 

13. Despite Colonials issuance oftheApril29, 2019AUDandtheMay15, 2019

ACDV response, TransUnion apparently continued toreport anECII Code. Plaintiff inher

FirstAmended Complaint states thatColonial didnotproperly respond toTransUnions June15, 

2019letter. Colonial, however, neverreceived thisletter. 

14. DuetoTransUnions failure toremove theEfromPlaintiffs creditreporting

despite theApril29, 2019AUDandtheApril30, 2019ACDV, Plaintiff apparently again

submitted adispute toTransUnion about thecontinued bankruptcy reporting. TransUnion

submitted anACDVtoColonial onMay31, 2019. ExhibitA-7. 

15. Colonial responded tothisACDVonJune 14, 2019, against changing the - for

eachmonthly payment to0andchanging theCIICode fromEtoblank. Id. 

16. TransUnion apparently continued toreport thebankruptcy through theCIICode

EandPlaintiff again submitted adispute toTransUnion onOctober 2, 2019). OnOctober 10, 

2019, TransUnion submitted another ACDVtoColonial, andColonial responded onOctober 15, 

2019. ExhibitA-8. InthisACDVresponse, Colonial, likebefore, changed the - forthemonths

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ofpayments to0anditchanged theCIICode from Etoblank. 

17. Colonial atalltimes relevant hereto hasmaintained policies andprocedures for

responding toborrowers creditreporting disputes. Atrueandcorrect copyoftheMetro2

manual isattached hereto asExhibitA-9. Alsoattached hereto asExhibit A-10 isatrue and

correct copyof Colonials internal policies forcreditreporting. Colonials employees whowork

oncreditreporting aretrained tofollowthese manuals. 

18. With respect toPlaintiff, Colonial atalltimes acted according toitsprocedures

andendeavored tocorrect theerroneous credit report thatshehadreceived aChapter 7

Discharge. Colonial researched herdispute in2014andprevented any creditreporting from

going outatthattime. Later, in2019, whenColonial received direct communications from

Plaintiff onApril23, 2019thatColonial hadbeenincorrectly reporting herashaving received a

Chapter 7Discharge, Colonial onApril29, 2019issued anAUDtoTransUnion. InthisAUD, 

Colonial removed the ECIICodeand, foreachmonth ofheraccount history, changed each - 

0toshowthatshehadmade eachmonthly payment ontime. 

19. Colonial onMay1, 2019alsowrotetoPlaintiff toconfirm thatTransUnions

reporting ofherashaving received aChapter 7discharge was incorrect. 

20. Colonial, accordingly, atalltimes acted reasonably inresponding toPlaintiffs

disputes. Totheextent thatColonial should have changed theECIIcodewithaQCIIcode, 

Colonials actswere nottheresultofmalfeasance butatbestabonafideerror. 

21. Iamqualified totestify aboutthebusiness records ofColonial asIamacustodian

ofrecords forColonial. Attached hereto arebusiness records ofColonial, including documents

obtained fromColoniaed byColonial itself. These said

records arekeptbyColonial intheregular course ofbusiness, anditwastheregular course of

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practice ofColonial foranemployee orrepresentative ofColonial withknowledge oftheact, 

event, condition, opinion ordiagnosis recorded tomake therecord ortotransmit information

thereof tobeincluded insuchrecords; andtherecord wasmadeatornearthetimeorreasonably

soonthereafter. Therecords attached hereto aretheoriginals, orexactduplicates oftheoriginals, 

andthese original documents arephysically keptbyColonial at

areidentified asexhibits tothisDeclaration asindicated below andsaidexhibits areincorporated

herein byreference: 

A-1. Internal email datedJuly1, 2014; 

A-2. Plaintiffs on-linedispute datedApril 23, 2019; 

A-3. Plaintiffs April23, 2019email dispute; 

A-4. Colonials AUDissued onApril29, 2019; 

A-5. TransUnions April26, 2019AUDandColonials May14, 2019response; 

A-6. Colonials May1, 2019 lettertoPlaintiff

A-7. TransUnions May31, 2019AUDandColonials June14, 2019response; 

A-8. TransUnions October 10, 2019AUDandColonials October 15, 2019

response; 

A-9. Metro 2Manual; 

A-10. Colonials Credit Reporting Policies. 

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Ideclare under penalty ofperjury underthelawsoftheUnitedStates thattheforegoing is

trueandcorrect. 

Executed on: June21, 2021 Kfttjdb!Dsbjh! 7032032 Signature:________________________________ 

Name: Jessica Craig

Title: Escrow Supervisor

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