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JOINT LIST OF STIPULATED FACTS FOR TRIAL 

 COMES NOW, Plaintiff Ann Marie Attridge (“Ann Attridge” or “Plaintiff”) and 

Defendant Colonial Savings, F.A. (“Colonial” or “Defendant”) and, pursuant to Local Rule CV16(f) and the current scheduling order, files this List of Stipulated Facts for Trial. 

1. Ann Attridge was a borrower on a mortgage loan with Colonial dated May 19, 

2011, which was in the amount of $130,00.00 and secured by the property and residence located 

at 21207 Rio Sabinal, San Antonio, TX 78259. 

2. In August 2015, Colonial reported to the Credit Reporting Agencies (“CRAs”) 

that Ms. Attridge had filed a Chapter 7 bankruptcy petition through the issuance of a Consumer 

Information Indicator (“CII”). 

3. The code on the CII that Colonial issued was an “E.” 

4. The Metro 2 credit-reporting manual states that a code “E” means that the subject 

debtor received a discharge in a Chapter 7 bankruptcy case. 

5. In 2019, Ms. Attridge applied for employment with Pentagon Federal Credit 

Union (“Penfed”). 

IN THE UNITED STATES DISTRICT COURT 

FOR THE WESTERN DISTRICT OF TEXAS 

SAN ANTONIO DIVISION 

 

ANN MARIE ATTRIDGE, § 

§ 

§ 

 Plaintiffs, § 

§ 

v. § Civil Action No. 5:20-cv-00205-OLG 

§ 

COLONIAL SAVINGS, F.A. and 

TRANSUNION, LLC, 

§

§ 

§ 

 Defendant. § 

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6. PenFed contracted with HireRight, LLC (“HireRight”) to perform a background 

check of Ms. Attridge, including checking her credit report. 

7. HireRight informed Ms. Attridge that Colonial had reported that Ms. Attridge had 

received a Chapter 7 discharge. 

8. Ms. Attridge submitted an online dispute to Colonial and sent an email to 

Colonial on April 23, 2019 to dispute the report of a bankruptcy on her record. 

9. Credit reporting agencies, like TransUnion, use Automated Credit Dispute 

Verifications (“ACDV”) to inform credit furnishers about disputes that consumers have made 

regarding credit reporting. 

10. On April 26, 2019, TransUnion submitted an ACDV to Colonial an and identified 

therein Ms. Attridge’s dispute about the bankruptcy reporting. 

11. On May 14, 2019, Colonial responded to the ACDV from TransUnion. 

12. A credit furnisher, such as Colonial, can inform a credit reporting agency, like 

TransUnion, to correct prior credit reporting by sending an Automated Universal Data (“AUD”) 

form. 

13. On April 29, 2019, Colonial issued an AUD to TransUnion. 

14. In the April 29, 2019 AUD, the reporting for each of the months indicated was 

changed from from “-” to “0.” 

15. In the April 29, 2019 AUD, the CII Code was changed from “E” to blank. 

16. The April 29, 2019 AUD shows the balance owed on the debt was $111,086.00. 

17. On April 30, 2019, Colonial issued its response to TransUnion’s April 26, 2019 

ACDV. 

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18. In the April 30, 2019 ACDV response, the reporting for each of the months 

indicated was changed from “-” to “0.” 

19. In the April 30, 2019 ACDV response, the CII Code was changed from “E” to 

blank. 

20. The April 30, 2019 ACDV response shows the balance owed on the debt was 

$111,086.00. 

21. On May 1, 2019 Colonial sent a letter Ms. Attridge to respond to her April 23, 

2019 online and email disputes. 

22. TransUnion continued to report an “E” CII Code. 

23. TransUnion submitted another ACDV to Colonial on May 31, 2019. 

24. Colonial responded to the May 31, 2019 ACDV on June 14, 2019. 

25. In the June 14, 2019 ACDV response, the reporting for each of the months 

indicated was changed from “-” to “0.” 

26. In the June 14, 2019 ACDV response, the CII Code was changed from “E” to 

blank. 

27. The June 14, 2019 ACDV response shows the balance owed on the debt was 

$110,605.00. 

28. TransUnion continued to report an “E” CII Code. 

29. On October 10, 2019, TransUnion submitted another ACDV to Colonial. 

30. Colonial responded to the October 10, 2019 ACDV from TransUnion on October 

15, 2019. 

31. In the October 15, 2019 ACDV response, the reporting for each of the months 

indicated was changed from “-” to “0.” 

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32. In the October 15, 2019 ACDV response, the CII Code was changed from “E” to 

blank. 

33. The June 14, 2019 ACDV response shows the balance owed on the debt was 

$108,547.00. 

34. The loan was paid off on February 21, 2020. 

35. Plaintiff settled with Defendant TransUnion for $27,500.00. 

36. TransUnion stopped reporting the bankruptcy in or about May 2019. 

Respectfully submitted, 

By: /s/ Mark D. Cronenwett 

 MARK D. CRONENWETT

 Attorney in Charge 

 Texas Bar No. 00787303 

mcronenwett@mwzmlaw.com 

MACKIE WOLF ZIENTZ & MANN, PC 

14160 N. Dallas Parkway, Suite 900 

Dallas, Texas 75254 

(214) 635-2650 

(214) 635-2686 (Fax) 

ATTORNEYS FOR DEFENDANT 

COLONIAL SAVINGS, FA 

and 

By: 

WILLIAM M. CLANTON 

Texas Bar No. 24049436 

bill@clantonlawloffice.com 

LAW OFFICE OF BILL CLANTON, P.C. 

926 Chulie Dr. 

San Antonio, Texas 78216 

(210)-226-0800 (Tel) 

(210)-338-8660 (Fax) 

ATTORNEYS FOR PLAINTIFF ANN 

MARIE ATTRIDGE 

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CERTIFICATE OF SERVICE 

I hereby certify that on July 13, 2022, a true and correct copy of the foregoing was served 

via ECF notification on the following counsel of record: 

William M. Clanton 

Law Office of Bill Clanton, PC 

926 Chulie Drive 

San Antonio, TX 78216 

210-226-0800 

210-338-8660 FAX 

bill@clantonlawoffice.com

 /s/ Mark D. Cronenwett 

MARK D. CRONENWETT 

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