E,XHIBIT 1

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 1 of 32
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McCAmfl LAw. PLC

4250 N OÂtNxv/aTffi eLvo

suE 32O

scorsoÆ¡ aRrzoM 8525 I

602-45ô8900

M.MCCARftYLAWM COM

Krzystofcrykv. Deer Valley et al. Summons

.ltf <: C :^'R 'r n \'- L,nw P c

Kevin Fallon McCarthy, 0l l0f 7

Ashtey Tuchman, 027263

4250 North Drinkwater Blvd, Suite 320

Scottsdale, AZ 85251

602-456{900

ashley.tuch man@mcca rthylawyer.com

Attorneys for Plalntiff

GEORGE KRZYSTOFCTYK AND DOLORES

KRZYSTOFCZYK

Plaintiffs,

v.

MANISTEE JUSTICE COURT

MARICOPA CO['NTY, STATE OF ARTZONA

14264 WnsrTmnne Bu¡Na LANE, SuRpRIsE, AnzoNe 85374

caseNo.: CC. I f / 2îoG 6 -..<

SUMMONS

DEER VALLY CREDIT UNION, AN

AR|Z ONA CORP ORATION, E!@XINç.._

and EXPERLAN INFO {ATION

SOLUTIONS, INC.

Defendants.

STATE OF ARIZONA TO:

DEER VALLEY CREDIT T'NION

S/A: AMY D. HOWLAND

702 EAST OSBORN ROAD, #2OO

PHOENIX, ARIZONA 85014

EQUrf,'AX,INC.

S/A: PRENTICE-HALL CORP SYSTEM

2338 WEST ROYAL PALM ROAD

PHOENIX, ARIZONA 85021

EXPERIAN TNFORMATTON SOLUTTONS, rNC.

S/A: CT CORPORATION SYSTEM

38OO NORTH CENTRAL AVENUE SUITE 460

PHOEND(, ARZONA 85012.

THE STATE OF ARTZONA TO THE ABOVE-NAMED DEFENDANT(S):

1. YOU ARE SUMMONED to respond to this complaint by filing a written ANSWER with this

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Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 2 of 32
ãnd by payrng the iequiied fee; If you cannot affoid to Þây the reQùirêd fêe,

request that the Court either waive or defer the fee.

2. If you were served with this summons in the State of Artzona, the Court must receive your

answer within twenty (20) calendar days from the date you were served. If you were served

outside the State of Arizona, the Court thust receive your answer within thirty (30) calendar days

from the date you were served. If the last day is a Saturday, Sunday, or legal holiday, you will

have until the next working day to file your answer. ìühen calculating time, do not count the day

you were served with the summons.

3. Your answer must be in writing.

(a) You may obtain an answer form from this Court.

(b) You may also obtain an answer form from the Form section of the Maricopa County

Justice Courts webs ite at htþ ://justicecourts.maricopa. go v.

4. Provide a copy of your answer to the Plaintiff(s) or to the Plaintiffs attorney in accordance

with JCRCP Rule 120.

5. ü'YOU FAIL TO tr'ILE A WRITTEN A¡ISIVER WITII TIIIS COURT WITHIN THE

TIME INDICATED ABOVE, A DEFAULT JUDGMENT MAY BE ENTERED AGAINST

YOU.

The name and address of Plaintiffs attorney is:

Kevin Fallon McCarthy, Esq.

Ashley Tucman, Esq.

McCARTHY LAW PLC

4250 North Drinkwater Boulevard, #320

Scottsdale, Arizona 85251

SIGNED AND SEALED this date:

.2

By:

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McCffiHY LÁw. PLC

¿25O N ORrNM^rEn BLvo

Su[E 32O

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scorsD&E, ARrzoNA 9525 I

602{5ê8900 Ikzystofczyk v. Deer Valley et al. Summons

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 3 of 32
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MCCAtrfr LâW. PLC

¿25O N. DRNruATER BLVD

SurE 32o

scorso^LE. ARl2oNA 4525 I

602ø56€900

W,McCffiYLAsERcd

Krzystofczyk v. Deer ValleY et al. Summons

NOTICE TO THE DEFENDÄNT: A LAWSUIT HAS BEEN FILED AGAINST YOU IN

JUSTICE COURTS

You have rights and responsibilities in this lawsuit. Read this notice carefully.

l. In a justice court lawsuit, i¡rdividuals have a right to represent themselves, or they may hire an attomey

to represent them. A famity member or a friend máy not represent someone in justice court unless the

family member or friend is an attorney. A corporation has a right to be represented by an officer of the

corporation, and a limited liability company (*LLC") inay be represented by a managing member. A

corporation or an LLC may also be represented by an attomey. If you represent yourself, you have the

responsibility to properly complete your court papers and to file them when they are due. The clerla and

sølf at the couf are not allowed to give you legal advice. If you would liké legal advice, you may ask the

court for the name and phone number of a local lawyer referral service, the local bar association, or a legal

aid organization.

2. You have a responsibility to follow the Justice Court Rules of Civil Procedu¡e ("JCRCP") that apply in

your lawsuit. The rules are available in many public libraries, at the courthouse, and online at the Court

ilules page of the Arizona Judicial Branch website, at http://www.azcourts.gov/, under the "AZ Supreme

Court" tab.

3. A "plaintiff is someone who files a lawsuit against a "defendant." You must file an answer or other

response to the plaintiff s complaint in writing and within twenty (20) days from the date you were served

with the summons and complaint (or thirty (30) days if you were served out-of-state.) If you do not file an

answer within this time, the plaintiff may ask the court to enter a "default" and a "default judgment"

against you. Your answer must state your defenses to the lawsuit. Answer forms are available at the

cõurthouse, on the Maricopa County Justice Couf website at htþ://justicecourts.maricopa.gov/, and on

_S_clÈSe¡yisç C,enfer o-f -the Anzona.Judicial-Branch w-ebsite at http:/.Áravw.azcourts.govl-under-

"Public Seryices" tab. You may also prepare yor¡r answer on a plain sheet of paper, but'your answer must

include the court location, the case number and the namés of the parties. You must provide to the plaintiff

a copy of any document that you file with the.court, including yor¡r answer.

4. You may bring a claim against the plaintiff if you have one. When you file your answer or written

response with the court, you may also file your "counterclaim" against the plaintiff.

5. You must pay a filing fee to the court when you file your anstver. If you cannot afförd to pay a filing

fee, you may apply to the court for a fee waiver or defenal, but you must still file your answer on time.

6. You may contact the plaintiff or the plaintiffs attomey and try to reach an agreement to settle the

lawsuit. However, until an agreement is reached you must still frle your answer and participate in the

lawsuit. During the lawsuit, the court may reguire the partiés to discuss settlement.

7. lù/ithin forty (40) days after your answer has been filed, you and the plaintiff are required to provide a

disclosure statement to each other. The disclosu¡e statement provides information about witnesses and

exhibits that wilt be used in the lawsuit, A party may also learn more about the other side's case through

discovery. Read the Justice Court Rules of Civil Procedu¡e for more infomtation about disclosure

statements and discovery.

8. The court will notifu you of all hearing dates and trial dates. You must app€ar at the time and place

specified in each notice. lfyou fail to appear at a trial or a hearing, the court may enter ajudgment against

you. To assure that.you receive these notices, you must keep the court informed, in writing, of your

current address and telephone number until the lawsuit is over,

3

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 4 of 32
Mcc^trn Law. PLC

4250 N DRIWÂEF BLVO

sum 32O

scorso^LE Aar20NÀ 8525 |

602{56€900

Mry MCCAf,HYLAWYER.COM

I

Law FtC

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lr'N (¡ncru:

Kevin Falton McCarthy,0f l0l7

Ashley Tuchman, 027263

4250 North Drinkw¡ter Blvd, Suite 320

Scottsdale, AZ 8S2Sl

602-45ó4900

ashley.tuch man@mccarthylawyer.com

Attorneys for Plaintiff

GEORGE KRZYSTOFCZYK AND

DOLORES KRZYSTOFCZYX

Plaintifß,

v.

DEER VALLY CREDIT UNION, AN

ARZONA CORPORATION, EQUIFAX

INC., and EXPERIAN INFORMATION

SOLUTIONS,INC.

' Defendants.

MANISTEE JUSTICE COURT

MARTCOPA COUNTY, STATE OF ARTZONA

74264 WEsr Trrnn¡ Bueò¡e LANE, SuRpRrsE, An¡zoN¡. 85374

case No.: cc 2o I f /2 t 6(o ÇfZC

COMPLAINT FOR VIOLATION OF

FAIR CREDTT REPORTING ACT (ls

tt.S.C. S 168r et seq.l

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COMES NOW Plaintiffs, George Krzystofczyk and Dolores Krzystofczyk (Plaintiff'), by

and through counsel undersigned, and for their cause of action against the Defendants abovenamed allege as follows:

l. That Plaintiffs are and were at all times hereinafter mentioned residents of Maricopa

County, Arizona.

2. That, on information and belief, Defendant, Deer Valley Credit Union ('Deer Valley

CU"), is, and at all times relevant hereto was, a corporation registered with the. Arizona

Corporation Commission and authorized to do business in Arizona and has designated the

following registered statutory agent: AMY D HOWLAND,702 EAST OSBORN ROAD #200

PHOENIX, ARIZONA 85014.

3. That, on information and beliei Defendant, Deer Valley CU, is, and at all times relevant

hereto was, regularly doing business in the State of A¡izoña.

4. That, on information and belief, Defendant, Equifax, Inc. ("Equifax"), is a credit

reporting agency, as defined by FCRA $ l68la(f), licensed to do business in Arizona and has

Krrystofczyk v. Deer Valley et al. 1 COMPLAINT

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 5 of 32
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MCCÂRW LAW. PLC

4250 N. ORINMAER BLVD

surE 320

S@rsoaLE, ARrzoNA 4525 I

602-{56€900 wMccÆwuwERcoM

designated the following registered st¿tutory agent: PRENTICE-HALL CORP SYSTEM, 2338

WEST ROYALPALM ROAD, PHOENIX, ARIZONA 85021.

5. That, on information and belief, Defendant, Equifax, is, and at all times relevant hereto

was, regularly doing business in the State of Arizona.

6. That, on information and beliet Defendant, Experian Information Solutions, Inc.

("Experian"), is a credit reporting agency, as defined by FCRA $ l68la(f), licensed to do

business in Anzona and has designated the following registered statutory agent: CT

CORPORATION SYSTEM, 38OO NORTH CENTRAL AVENUE SUITE 460, PHOENIX,

ARZIONA 85012.

7. That, on information and belief, Defendant, Experian, is, and at all times relevant hereto

was, regularly doing business in the State of Arizona.

8. That the Court has jurisdiction over this action pu¡suant to 15 U.S.C. $ 1681p, the Fair

Credit Reporting Act ("FCRA") and that personal jurisdiction exists over Defendant as it had the

necessary minimum contacts with the State of Anzona and this suit arises out of its specific

conduct with Plaintiff in Arizona. All the actions described in this suit occurred in the State of

A¡izona.

9. That Deer Valley CU held a loan made to Plaintiff as of January 8, 2013. ,See Exhibit A,

Deer Valley Payment Demand.

10. That Deer Valley CU sold the Plaintiffls loan to Elan/US Bank as of April 9,2014. See

B, Deer Valley Settlement Letter.

I l. That the former Deer Valley CU loan was settled by Portfolìo Recovery Associates, and

agent of Elan/US Bank. .See Exhibit B, Deer Valley Settlement Letter.

12- That the Plaintiff accepted this offer of settlement. ^Se¿ Exhibit C Settlement Check One

and.lee Exhibit D Settlement Check Two

13. That Portfolio Recovery Associates mailed a letter to Plaintiff stating the accoi¡nt had a

zero balance. ^Sø¿ ExhibitE Zero Balance Letter.

14. Plaintiff George Krzystofczyk has sent written dispute regarding the accuracy of the

derogatory information reported by the Defendant Deer Valley CU to Defendant Equifax. ,Seø

Krzystofczykv. Deer Valley et al. 2 COMPLAINT

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 6 of 32
MCC^RTHY UW PLC

¿250 N. ORrNru^m SLVO

sum 320 scors^LÉ. AR¡zoN^ 95251

602{56€900

uw MccÆÊYL^wEF.coM

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Exhibit F Equifax Dispute Letter.

15. Plaintiff Dolores Krzystofcryk has sent written dispute regarding the accwacy of the

derogatory information reported by the Defendant Deer Valley CU to Defendant Experian. .See

Exhibit G Experian Dispute Letter.

16. Defendant Equifax has willfully failed to conect the inaccurate reporting of the account

in violation of FCRA $ 1681i and to the detriment of the consumer Plaintiff, ,See Exhibit H

Equifax Response.

17. Defendant Experian has willfully failed to correct the inaccurate repofing of the

account in violation of FCRA $ 168Ii and to the detriment of the consumer Plaintiff. ,Søe Exhibit

I Experian Response.

18. That the Defendant Deer Valley CU is willfirlly reporting derogatory and inaccurate

information about Plaintiff to one or more consumer reporting agencies ("CRAs") as defined by

15 U.S.C. $ 1681a.

19. The Defendants Equifax and Experian are willfully reporting derogatory and inaccurate

information about P laintiffs to third-parties.

20. Defendants Equifax and Experian willñrlly failed to maintain reasonable procedures to

assure maximum accuracy of the information contained in Plaintiff s credit report in violation of

FCRA $ 168le.

21. The foregoing acts and omissions of the Defendants constitute unaccêptable violations

of the FCRA.

22. As a result of the foregoing, Plaintiffs have suffered damages in an amount to be shown

at trial, but not exceeding $10,000.

WHEREFORE, Plaintiff seeks a reasonable and fair judgment against defendants for

willful noncompliance of the Fair Credit Reporting Act and seeks his stafutory remedies as

defined by 15 U.S.C. $ 168In and dema¡ds:

1, Actual damages, pursuantto 15 U.S.C. $ 168ln(l)(A), of not less than $100 and

not more than $1,000 per violationt

2. Punitive damages, pursuant 15 U,S.C. $ 1681n(2), for Defendant's willful

Krrystofcrykv. Deer Valley et al. 3 COMPLAINT

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Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 7 of 32
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violation;

3. The costs of instituting this action together with reasonable attomey's fees

incured by Plaintiffpursuant to.l5 U.S.C. g l68ln(3); and

4. Any further legal and equitable relief as the court may deem just and proper in the

circumstances.

Respecttully submitted this fl+kby o&Pl* brr. ro,,

MCCAR PLC

Ashley Esq

Attorney for Pl ainti ffs

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McC mflY L^w. PLC

4250 N, DRINMAEF BLVO

SurE 320 stoÍso^É, ARrzoNÁ 8525 I

602¿56€S0

vflt McC^ffiYLawËR coM

Krzystofczyk v. Deer Valley et al, COMPLAINT

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 8 of 32
EXHIBIT A

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 9 of 32
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Singefely; :

A Ë Eerr¡içes ( 3?9j?309 ( 579-5Qs1 ä tseirvi'cês@dvcu. org

16!15 North 28lh Avenue

Arizona I

Phone 2) 375-7300 F lnsuled by NCUA

Fax ß0Ð.775.-23?3

'wrmr.óvôu.oi9

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 10 of 32
EXHIBIT B

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 11 of 32
Oeiivery last updated on O4lg9l20l4 04i00.PM Þy Natha¡riel L. Phiiiips ' 

sr,ii€e

uç;p49pogED

ËIello¡,

I aiúiiävi4g pfébleriísif,iisBonding to '|your gmsii viafieisepüfe'eûIaii. Is thpro an issue with.it?

Aoi¡ouqff, 0-5$'= Bet.cr,tçe'içg7"í124.'l? +nd sç.tll'emqrt gffer is $3475.85':

I was able to s'the Doer Valltty CÈ.edit,Utiiori âó&iunt w,hieû wiæ sold as þart of

ttièi¡ Vib¿i Fri Bäi,ik,

We'wq.uld likcto âc¡êpf-yoür o,fferìoce{ie for $-3r-4?"5.85 payab.!ç as þllQw¡:

$1,27ã.-Ef x i o-n +ßV/14

$22@,00 x I on5/80/'14.

Pl e¿se coñfiinri yoü¡ a$tie-irrent to'tl.riS i¡rrangenent.

JOari ÐíBciiia

rSettl e¡¡ent ûtrn speedy. r-eply llnk*

Nathaniel Plullips

Cçtgmer $çrvipç-Lçgal Support Rep

Portfolio Recovery Associ ates

Atteution Sçtlter.ne.nt Fi.rms: Effective lrnmediàlejy (Merch 1st,20J0) Portfuliq Recovery

Associates will uo longergenerate agreenrent letters for your arrangements.

lhis preceding email mqssage oontains i¡fo.rmation that is confidential, and prolected by the

attoniey/client'or other appli'cable privileges, and may constitute non-public information. lt is

intended to be conveyed only to the designated recipient(s). lf you âre not an intended recipie¡t

of this message, please noti$ (NathairieÎ Phillips) by reply email or phone and immediately

delete this email. Unauthorized usq tlissemination¡ distribution, or reproduction of this message

is strictly prohibited and maybe unlawful

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 12 of 32
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trXHIBIT C

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EXHIBIT D

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EXHIBIT E

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 18 of 32
th1m14 Biscom DelirerySertæt

Portfolio Associates,

Ine¿

Personàl setthgs I 5¡Jn out ¿¡.nac@nrcathyhwyer.com

Home > Your Dê¡vcrlcs

Your Delivery

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t¡È iomntatbn S mt d€ haended recþlåt, yóu ¡rc herêby rctfl€d tlEt any db*ílEùon, d¡trùltl¡n or copyhgof thb colllMkåtlon b slrktty p.ohbltcd.

thc

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F.oG A! ¡,tð. [mllto:s¡.mc@ll@rthybwYer.coml

Sênt: FrUây, August 08. 201{ 5:35 PM

To: PRÁ ¡oquirhgsaNlce

Subredr Settled ln tu[ l¿tts ReW6t ' Ku ystotøyk

We ðre requertkg å letter stathg dr c¡enG'acourt b ættþd ln fu!, Plêaæ €mI the þtts to æ or fax t to 602 218 {4¡17. He påh his last s€tthrEnt pàyÉnt back ln t'tày'

c€trge Kzyitof@yk-I

oolor6lc¿ynof@yk -I

A@untr,f4658

Thaa* you for your ôsistðn@ h this mtter.

Krú reg¡.ds,

A

tr@e ://prasecurarail.portfitideco€ry.cørÍbds/Delirær¡Â/iøur.do?rethoê\¡ê$edel¡\êrfd= 155879&src=dtÅuseÂpd€fFy t2

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 19 of 32
u1nu4. Eiscom DdlwySøwr

reàds of this ms$g€ b @t the hterfu r&þËnt, yd are herèby notlêd thåt any dBsñ¡?Etim, d6tròutbn or copyirg ol tlit @lwnkatbo ¡5st¿tv p¡ohbled. If Yd h¡ve

rtretvcd thb @trruniatbn h eM, o¡ea* rctay 6 lmd'Etev by refay efrl. Our @npany âcccpts m 6abu.ty fo. ttE content of tñ6 em¡, or for the Gequerces of âny

actiÆ talcn 6 th€ bèr! ol the in¡omt'þn prcvitcd, úþss üEt l¡lorctlon b suù*qøtt/ cmfhftd h w.tlng. E-mll trangfiss¡on ønnot be 06Enteêd to b€ *([e or 6trfræ ¡s Inlúmt¡on c@b b€ lter@pted, orrupted, b't, destroyed. ¡rive Lte or kro(pþtr, or cont¿h vbG€r. Th! sender ltsefore ds æt ¡@pt l¡þl¡ty lor .ny .ûq5 q

ñË5bß ¡n the @ntents ol thit Gsge, whkt¡ arfæ ¡5 a r@t of e'ma tßMËs¡o¡.

¡6tfkrtbn mr¡Ja9c

You havê ru5t ræetued a s4ure Gsgc f.m Þortfo¡o RecoverY Asso(btes.

lllilgv.t6.es4i..pvñ

eowrøorgIlQoIfI

Fle namo

No Ites foqd

Oorcflpllon Dâac cfeated sl¿o G¡

htgs://pasecurermil.portfCíøæoery.convtdslDelirær/Vievv.do?nethod=tla¡v&cþlitßrykl=155879&s¡6=66useApplets! 2n

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 20 of 32
EXHIBIT F

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 21 of 32
Merclr Länç

Phoenix; Az 8-Sq2.9

Marçh 1'3,,.201Þ

E:qUifa¡ Inf.o- imätiön Servlcéb, LLC

'Pö.B:oxi402:56'.

Atl-êrit?,'OA:30374

RE: 'G eô,i,-ge E; Ki?li5ttf-cfl

3626'fu-eçf i¡¡þçe¡uane, Þhoeqixi Az sSOPg

,ss#

DOB;'

Repg r:i Aate; oVzg.l|Qtl

confì rm átio n å .4!i28629 L4;2

To Whom lt MaY Côncern;

Attgc!.¡q{ ls â pABe from iäV çreditirêþort r,èpor: Deer Valley Credit UniOn'in thq qmount

of.$Z,Z29.OO.for Account''Íi475å91xxxx. This ac Pprtfqllo Rèc'overt¡ Assgclatês' .¡ have

séttléd this debt with Portfoliir Recovery Associates are currçntly ow¿d to.Deer VallèV

Cied¡t Uniþn

lam i"questing thatthis account be immediately correeted on my credi! report to reflect a zeÍo balance.

Regards,

Georgé E. Krzystofczyk

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 22 of 32
Revofvjr'.5 accounts are öharge accounts lhat have a çredit limi! and require a minimurn payment each month, such as most credil card5.

E ËERl_V.,ôËËEv oReo-ry U -.tzoogr xNxX 'iV,.ø5ÌiQ62 g-7.;!2s,'ottoznotz,gäss ':90 $íip.9o

AVè,

ðåö6sgeío

nf9

$ 1o;doo

Re-vôlving $ 7,500

(due ev-çry

t7tdù2012 i a.se

Mt2012

l9

N/A

Oredit Card

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 23 of 32
EXHIBIT G

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 24 of 32
Dolorês Krzystofezvk

'-3€26 West M.è-i,cer tàne

'P.hoerill AZjs..æ29

Ma-Îc-h 1"3,20.15

Experlan

.N@Ag

cOlBox'g.zo2

Ajleä,Ix 75p. ¡:3

RË: Dolöres. Kriy,sllofezyt<

ù-a¡q, P hoe n i * ; A7. E5-Q29

Dq

Re:poÍi:'DÞltSl'o2jlti.-a,:/2itrs

Re þOit :# O9 ?5' :9-492-7 8

....¡-u.Uently.þ-w--é-d^to-Oæe.i:-Và-lleltCredit'Union.,..--.-..-,.

I am requesting that this account be lmmediately correqted gn rny cfedit report to reflgct a ¡ero balañce,

Regar!s;

Dolbrès'lGzyitofczyk

To Whorn it Mày öoncern:

Altaçhje.d is a Þä8e fioiä riyÊ.rêdit ¡epoit ieþþrti4e debt qwed to Deei välley crpilit union ln the arñount

of S29ir;00 for AccQunt fi175891. i have setiled this debt with [ieer valley Çredit Ünlon, No mqnlçs.aiè

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 25 of 32
- Experiarr - IìcporÍ Stttrttnatl'

FEB JAN OEO NqY 9OT qEP 4V9 J-!,T Jgl.J MAY AÞB ÑiAR

oK ('K oK orc 'çi1¡: Ór ôxi öt< oK 'oK .OK OK

PageT ol29

OEER.

hiumber:

a7589.1

lon NumÞer:

gta tu3': grgeñ : $299 pasl düe'ð-s'oÎ.J ul 2þ 12, B,l¡,Mar 201 9, this abcounl ls sqheiluled

slâlus.

Staius Doiailsr

to gò-to a poi;itive

Oredlr LimlUOtiglnal Amouriti

ItA

Hlgþ Balance:

$'!Q,æp:

Recent Ealanca:

$7.,729.aí¡bl:Q7t201?

R.ê¡cqnt Payment:

$0

Q-B-lq Op.ened:

12n002

Be.pprted Siírce: 'ûnöaî

Date ol Slatust

07;ñ912

Las{ Rcporfed:

07n012

lVt-o¡1th ly Pa¡tn¡s¡1¡,

s15l

E

2.0.12 iÙt- ,luN MAY aPR; MÀR EFF 6c 30 0x e).K of(' oK

2010

.,rAN DEC N9)/ OCr SEÞ aUG oK Ol( pl( oK ol( :oK

JUL JT'N MAY APR MAR FEB oK citc oÊ ol( Ór ir(

2011

DEC NQV O.PT SEP AUG JUL qK OK OK oK OK oK

Jt,N MAY APR MAR FEB JAN clK oK oK ör( oit oi(

2o'os ÈiEc NaV oCT SEP AUG JUL

öt< ox cìK ()K oK oK

JUN MAY APR .IVIAR FE8 OK OK OK OK OK

2009

DEC NOV OET SËP AUG ok cK oK ôF. ot{

JUN MAY APE MAR FEB OK OK ÓK O!( OK

ñ,ov ocr sEP auc OI( OR ÛK QIi

¡JAN

OK

rrUL

OK

JAN

OK

2oo? 2Dos

JAN 

.DÉô 

NOV OCT SEP AUG. JUL JUN MAY APR MAR FEB JA¡I DE'C

OK OK Ot( Ot< oK Or< Clk OK O¡( Ol( C'K Ql( OK OK

2005

DFC

GK.

JUL JUN MAY APR MAR .FEq JAN ()K oK oli oK crl'í LIK- oK

Accounl Hislory:

Þ0 days Pãs1 due as,of Jul 2012

30 ðays past dúe 8s ot Juñ 2012

NQV OCT SEP AUG ()K Cri( Crl( tJK.

hnps://ànnualóreditreportrexperign.àqm/,{¡rnuaiCreditRepqdcac/ReportSummary2.do 2lg/20.15

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 26 of 32
EXHIBIT H

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 27 of 32
ff

II

I

EqsttF4x

CREDIT FILE : April 11, 2015

Confirmation # 5087016281

Please note, when you provide documents, including a letter, to Equifax as

be submitted to oné or more compan'les uñose informalion are the subject

Visit us at www-egu¡fax.conVCreditReportAssistance or Call us al

Thank you for giving Equifax thê oppoñunity to serve you.

>>> We have researched the credit accounl Accounl# - 4438' The

updated to report as a paid chaqe

this item. lf you have additional que

off. Additional informalion has been

stions about this item please

MA U..75?9J23 *

Dear Geoçe E Krryslofczyk

to have

You

or report within the next 60

at (888) 425-7961 from

I For an added convenience, use one of the below Qptions lo start an inveslþ check he stalus of your dispute.

dispute, lhe documents rnay

ãHgE 

--.<m

;=tsaãË$å 

ñrao9-d ÈÈ 

(¡:

ftis accor'¡nt has been

rce regarding

Marlborough

fà1-*ã4./&{n¡.

Í !:r...'¡ ilîJ.1t!l:,\j.!i, _!¡,;a:- 

' ' '' 'soä?tir62ar¡þ

.l 

: 30:59

2 :60-89

e

90-1

120.

1'9

4 1,49

Htbtoty

'Slal¡¡s Code

lDaéetiptions

1 ContinLed On'Next Page ) 2

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 28 of 32
ol l6l - Oiþ.ol--

L6sl AeËúty

o AciJrl

L.tfPryññi .AD@nt :PÊmnl Añanl

Loan - Gredit

:rnaY

'Notice to Consumers

Yoù maV reouest adreli¡inísheiof info

de

your dispute. i

of

Sicr l.Dclê

he busin

úm12

1

U and of,rhe informatori,

or com

residen

i li'tre re¡ he deletion of d þrece | É'or¡est éêd.creditfle tö reoort I Cälitom¡ ,'New Jersey an plöym

,: 1,.

5087016281APP

As oi

B¡iwtêd

Bâ¡âÉ 'Añ@Dl

04111 $7 729

- Charge

Account Hlstory

with Status Codee

AoMI 'P6l Drrc

( Èliu ø ReporrÌ¡ PageÞof 2

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 29 of 32
EXHIBIT I

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 30 of 32
.i

i'i

ft

!. I

I ì-:.r ¡

lii r:r t¡fir

Dispute."res.ults"*"'':''

About our

Thisprocess¡ng your

the fumisher of the

record. :j....1 :, r--, .î^qh{ {The federallF airt@rè:dit

. request a

name and addresssuch information

. addá

a

read your resulþ íl

-,Jhis ilem wãs'iemoveþ,from your credit

to

r-.Ì-11

:.This as a rqstilt

yqqr,

rnade item.;

to view,the ch lf

item.uns d .then it was

tQ,ygu,.

or

its outcome

9uf.,

jl È i..ei Þ1'

;bæinêS5' i.

any

âS:

to

for

other purpose.

lf no information follotvs¡ our response appeared on the

1ú

We have completed the processil¡g of yourdispute(s). Here are the results: -' ¡' Ì :!-

ciiè¿¡t items i

page

tt :'

PF ER, LVAILEY-. C RED rT U N r

4158Q'1,....

Outcome

updated

check the status of

.+

oôÀH. =

É=. 9-Ë;. =!- Y- !-.

'x- =- X=

6-

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Visit experian.com/status toyQuf pencling disputes at any tirije

Scan yoursrnart phone

for offers ñom Experian.

G)

eOonNl" o)x XLô' rDi .ogo-< A

:jì ''

01 86959740

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 31 of 32
ilt Illilillilililrilllr ilrlilll illlil

The

qs an

E Credii items

F¿ yn ìènt' iì ióibry':-Ìr ;

ZO12'- . r .*¿r{r}f ::j tì

zþ€.

liens,.

settled

r¡issed

may reme¡n

ffom the,

DateD.@

that hàúe

more

Miss'eö

ró îOyäarfrUnpa¡it liens.

Type Credit limit or

Credit card nt

Terms

NCi rëpOrtøC',. Monthly .910,060i"i'

payrnent

'Not reporte.d

Recent balanc€

$7,729 as of Jul

2012

ú10

JAN DEC I'¡OV .SEP AT.IG JUI. JUN

E KRZYSTOFCZYK

charged off. 5299 past du

is scheduled to conti

s updated from öur pr

2009

JAÍI OEC NOV OCT SEP A

EæWffiffiÞæf

ffi Wffi ffi ffi ffi ffi @@q Vo

RePa

lns

Oþ

De

CdCh

CliNd 

Accourt Accq,nt Faymenf ffi legend of agreemenl met deed started past due paSJ due pasl due days pastdue days pa6t clue days past due'

01 66959740

Case 2:15-cv-02154-DLR Document 1-1 Filed 10/26/15 Page 32 of 32