Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
b"XXXX\nTransUnion\nEquifax\nFormal Demand for Deletion of Unverified, Inaccurate, and Harmful Credit Information Due to Data Insecurity and FCRA Violations\n\nTo Whom It May Concern,\nI am writing to demand the permanent deletion or immediate correction of all negative, unverifiable, and outdated information currently reported under my name and Social Security number. This includes, but is not limited to:\n- XXXX student loans reported as 120 days late and in dispute\n- Charge-offs and derogatory tradelines from Mission Lane, Lincoln AFS, and others\n- A Chapter 13 bankruptcy that continues to damage my credit despite being dismissed\n- A recent denial of credit by XXXX XXXX (Goldman Sachs) based on outdated or incomplete bureau data\n\nEach of the major credit bureausEquifax, TransUnion, and Experianhas experienced data breaches, with Equifaxs breach exposing data for over 147 million Americans. These breaches call into question your ability to maintain the integrity and accuracy of the data you collect and report.\n\nIf your systems have been compromised, and if I have already disputed the validity of multiple tradelinesand you still cannot validate them with original documentationyou are legally obligated to delete this information.\n\nLegal Violations Referenced:\n- FCRA  609(a): I have the right to demand full documentation proving the accuracy of the data being reported.\n- FCRA  611: You must reinvestigate disputed items and delete unverifiable or inaccurate information within 30 days.\n- FCRA  623: Furnishers must only report data that is accurate and complete.\n- FCRA  602(a): You must ensure maximum possible accuracy of all reported information.\n- CARES Act  4021: You may not report student loan delinquencies during the federal COVID forbearance period.\n\nDemand for Action:\n1. Permanently remove all unverifiable, negative, and inaccurate information from my credit reports.\n2. Resolve or delete any item marked as 'consumer disputes  resolved; consumer disagrees'.\n3. Provide confirmation of deletions or corrections in writing.\n4. Disclose any breaches or third-party access affecting my credit data.\n\nFailure to act within 30 days will result in complaints to the CFPB, FTC, and possible legal action under federal law.\n\n\nAMEX\nTransUnion\tExperian\tEquifax\nAccount #:\t\t349993028530****\t\nAccount Type:\t\tRevolving\t\nAccount Type - Detail:\t\tCredit Card\t\nBureau Code:\t\tTerminated\t\nAccount Status:\t\tOpen\t\nMonthly Payment:\t\t$0.00\t\nDate Opened:\t\t09/01/2022\t\nBalance:\t\t$0.00\t\nNo. of Months (terms):\t\t0\t\nHigh Credit:\t\t$0.00\t\nCredit Limit:\t\t$0.00\t\nPast Due:\t\t$0.00\t\nPayment Status:\t\tCurrent\t\nLast Reported:\t\t11/21/2022\t\nComments:\t\t-\t\nDate Last Active:\t\t11/01/2022\t\nDate of Last Payment:\t\t-\t\nTwo-Year payment history\nLegend\nMonth\t\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nYear\t22\t22\t22\t22\t22\t22\t22\t22\t22\t22\t22\t21\t21\t21\t21\t21\t21\t21\t21\t21\t21\t21\t21\t20\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKOVO INC\nTransUnion\tExperian\tEquifax\nAccount #:\tCJE2E336C****\tCJE2E336C****\tCJE2E336C****\nAccount Type:\tRevolving\tRevolving\tRevolving\nAccount Type - Detail:\tCharge account\tCharge account\tCharge account\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$0.00\t$0.00\t$10.00\nDate Opened:\t12/12/2024\t12/01/2024\t12/01/2024\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t0\t0\t0\nHigh Credit:\t$10.00\t$10.00\t$0.00\nCredit Limit:\t$500.00\t$500.00\t$500.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t03/31/2025\t04/30/2025\t03/01/2025\nComments:\t-\t-\t\nCharge  \nAmount in H/C column is credit limit  \nDate Last Active:\t03/13/2025\t04/01/2025\t03/01/2025\nDate of Last Payment:\t03/13/2025\t04/13/2025\t03/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKIKOFF\nTransUnion\tExperian\tEquifax\nAccount #:\tCLJ4HX****\tCLJ4HX****\tCLJ4HX****\nAccount Type:\tRevolving\tRevolving\tRevolving\nAccount Type - Detail:\tCharge account\tCharge account\tCharge account\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$35.00\t$35.00\t$35.00\nDate Opened:\t08/22/2024\t08/01/2024\t08/01/2024\nBalance:\t$105.00\t$105.00\t$140.00\nNo. of Months (terms):\t0\t0\t0\nHigh Credit:\t$420.00\t$420.00\t$0.00\nCredit Limit:\t$3,500.00\t$3,500.00\t$3,500.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/30/2025\t04/30/2025\t03/01/2025\nComments:\t-\t-\t\nCharge  \nAmount in H/C column is credit limit  \nDate Last Active:\t04/30/2025\t04/01/2025\t03/01/2025\nDate of Last Payment:\t04/24/2025\t04/24/2025\t03/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nBH/TROVECRED\nTransUnion\tExperian\tEquifax\nAccount #:\t411FB0DAD0B4F7****\tC850BA0F2F8411FB0DAD0B4F7****\tF8411FB0DAD0B4F7****\nAccount Type:\tRevolving\tRevolving\tRevolving\nAccount Type - Detail:\tCharge account\tCharge account\tCharge account\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$9.00\t$9.00\t$9.00\nDate Opened:\t08/22/2024\t08/01/2024\t08/01/2024\nBalance:\t$27.00\t$27.00\t$27.00\nNo. of Months (terms):\t0\t0\t0\nHigh Credit:\t$108.00\t$108.00\t$0.00\nCredit Limit:\t$1,250.00\t$1,250.00\t$1,250.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/30/2025\t04/30/2025\t04/01/2025\nComments:\t-\t-\t\nCharge  \nAmount in H/C column is credit limit  \nDate Last Active:\t04/30/2025\t04/01/2025\t04/01/2025\nDate of Last Payment:\t04/22/2025\t04/22/2025\t04/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\t\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nSELFINC/LEAD\nTransUnion\tExperian\tEquifax\nAccount #:\tD0000000092598****\tCRD0000000092598****\t\nAccount Type:\tRevolving\tRevolving\t\nAccount Type - Detail:\tSecured credit card\tCredit line secured\t\nBureau Code:\tIndividual\tIndividual\t\nAccount Status:\tOpen\tOpen\t\nMonthly Payment:\t$26.00\t$26.00\t\nDate Opened:\t07/27/2022\t07/01/2022\t\nBalance:\t$500.00\t$500.00\t\nNo. of Months (terms):\t0\t0\t\nHigh Credit:\t$690.00\t$690.00\t\nCredit Limit:\t$700.00\t$700.00\t\nPast Due:\t$0.00\t$0.00\t\nPayment Status:\tCurrent\tCurrent\t\nLast Reported:\t04/15/2025\t04/15/2025\t\nComments:\t-\t-\t\nDate Last Active:\t04/15/2025\t11/01/2023\t\nDate of Last Payment:\t04/06/2025\t04/06/2025\t\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t30\tOK\tOK\tOK\tOK\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t30\tOK\tOK\tOK\tOK\tOK\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAFFIRM INC\nTransUnion\tExperian\tEquifax\nAccount #:\t\tI9E8****\t\nAccount Type:\t\tInstallment\t\nAccount Type - Detail:\t\tUnsecured loan\t\nBureau Code:\t\tIndividual\t\nAccount Status:\t\tOpen\t\nMonthly Payment:\t\t$36.00\t\nDate Opened:\t\t02/01/2025\t\nBalance:\t\t$169.00\t\nNo. of Months (terms):\t\t6\t\nHigh Credit:\t\t$195.00\t\nCredit Limit:\t\t$0.00\t\nPast Due:\t\t$0.00\t\nPayment Status:\t\tCurrent\t\nLast Reported:\t\t04/03/2025\t\nComments:\t\t-\t\nDate Last Active:\t\t04/01/2025\t\nDate of Last Payment:\t\t03/10/2025\t\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAUSTINCAPBK\nTransUnion\tExperian\tEquifax\nAccount #:\t8A0963****\t8A0963****\t8A0963****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\tSecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$30.00\t$30.00\t$30.00\nDate Opened:\t09/26/2024\t09/01/2024\t09/01/2024\nBalance:\t$1,940.00\t$1,940.00\t$1,940.00\nNo. of Months (terms):\t120\t120\t0\nHigh Credit:\t$2,000.00\t$2,000.00\t$2,000.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/30/2025\t04/30/2025\t04/01/2025\nComments:\t-\t-\t\nSecured  \nFixed rate  \nDate Last Active:\t04/30/2025\t04/01/2025\t04/01/2025\nDate of Last Payment:\t04/26/2025\t04/26/2025\t04/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAVA FINANCE\nTransUnion\tExperian\tEquifax\nAccount #:\tRJVVSA8IRN2E05****\tAALVS33RJVVSA8IRN2E05****\t33RJVVSA8IRN2E05****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\tSecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$30.00\t$30.00\t$30.00\nDate Opened:\t09/09/2024\t09/01/2024\t09/01/2024\nBalance:\t$120.00\t$120.00\t$120.00\nNo. of Months (terms):\t12\t12\t0\nHigh Credit:\t$360.00\t$360.00\t$360.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/17/2025\t04/17/2025\t04/01/2025\nComments:\t-\t-\t\nSecured  \nFixed rate  \nDate Last Active:\t04/17/2025\t04/01/2025\t04/01/2025\nDate of Last Payment:\t04/11/2025\t04/11/2025\t04/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nSELF / LEAD\nTransUnion\tExperian\tEquifax\nAccount #:\tA0000000001200****\tCBA0000000001200****\tCBA0000000001200****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\tSecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$48.00\t$48.00\t$48.00\nDate Opened:\t08/02/2024\t08/01/2024\t08/01/2024\nBalance:\t$651.00\t$651.00\t$651.00\nNo. of Months (terms):\t24\t24\t0\nHigh Credit:\t$985.00\t$985.00\t$985.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t05/02/2025\t05/02/2025\t05/01/2025\nComments:\t-\t-\t\nSecured  \nFixed rate  \nDate Last Active:\t05/02/2025\t05/01/2025\t05/01/2025\nDate of Last Payment:\t04/02/2025\t04/02/2025\t05/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nYear\t25\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\t\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAUSTINCAPBK\nTransUnion\tExperian\tEquifax\nAccount #:\t8A6690****\t8A6690****\t8A6690****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\tSecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$48.00\t$48.00\t$48.00\nDate Opened:\t08/22/2024\t08/01/2024\t08/01/2024\nBalance:\t$697.00\t$697.00\t$697.00\nNo. of Months (terms):\t24\t24\t0\nHigh Credit:\t$1,000.00\t$1,000.00\t$1,000.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/30/2025\t04/30/2025\t04/01/2025\nComments:\t-\t-\t\nSecured  \nFixed rate  \nDate Last Active:\t04/30/2025\t04/01/2025\t04/01/2025\nDate of Last Payment:\t04/22/2025\t04/22/2025\t04/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKIKOFF LEND\nTransUnion\tExperian\tEquifax\nAccount #:\tYXRM****\t\tYXRM****\nAccount Type:\tInstallment\t\tInstallment\nAccount Type - Detail:\tSecured loan\t\tSecured loan\nBureau Code:\tIndividual\t\tIndividual\nAccount Status:\tOpen\t\tOpen\nMonthly Payment:\t$10.00\t\t$10.00\nDate Opened:\t08/22/2024\t\t08/01/2024\nBalance:\t$50.00\t\t$50.00\nNo. of Months (terms):\t12\t\t0\nHigh Credit:\t$120.00\t\t$120.00\nCredit Limit:\t$0.00\t\t$0.00\nPast Due:\t$0.00\t\t$0.00\nPayment Status:\tCurrent\t\tCurrent\nLast Reported:\t04/30/2025\t\t03/01/2025\nComments:\t-\t\t\nSecured  \nDate Last Active:\t04/30/2025\t\t03/01/2025\nDate of Last Payment:\t03/16/2025\t\t03/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nYear\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKOVO INC\nTransUnion\tExperian\tEquifax\nAccount #:\tGDC4FD471****\tGDC4FD471****\tGDC4FD471****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tInstallment sales contract\tInstallment sales contract\tInstallment sales contract\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$10.00\t$10.00\t$10.00\nDate Opened:\t08/22/2024\t08/01/2024\t08/01/2024\nBalance:\t$160.00\t$150.00\t$160.00\nNo. of Months (terms):\t24\t24\t0\nHigh Credit:\t$240.00\t$240.00\t$240.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t03/31/2025\t04/30/2025\t03/01/2025\nComments:\t-\t-\t\nInstallment sales contract  \nDate Last Active:\t03/31/2025\t04/01/2025\t03/01/2025\nDate of Last Payment:\t03/22/2025\t04/22/2025\t03/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nCCB/BRDPYIL\nTransUnion\tExperian\tEquifax\nAccount #:\tGYYR6Z****\tGYYR6Z****\tGYYR6Z****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tUnsecured loan\tUnsecured loan\tUnsecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$36.00\t$35.00\t$36.00\nDate Opened:\t11/30/2024\t11/01/2024\t11/01/2024\nBalance:\t$69.00\t$35.00\t$35.00\nNo. of Months (terms):\t6\t6\t0\nHigh Credit:\t$198.00\t$198.00\t$198.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/05/2025\t05/05/2025\t05/01/2025\nComments:\t-\t-\t\nFixed rate  \nUnsecured  \nDate Last Active:\t04/05/2025\t05/01/2025\t05/01/2025\nDate of Last Payment:\t04/01/2025\t05/01/2025\t05/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nYear\t25\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\t\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nMOHELASERVCN\nTransUnion\tExperian\tEquifax\nAccount #:\t00112006092921****\t\t\nAccount Type:\tInstallment\t\t\nAccount Type - Detail:\tEducational\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tOpen\t\t\nMonthly Payment:\t$157.00\t\t\nDate Opened:\t09/29/2006\t\t\nBalance:\t$17,215.00\t\t\nNo. of Months (terms):\t300\t\t\nHigh Credit:\t$13,896.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$1,423.00\t\t\nPayment Status:\tLate 120 Days\t\t\nLast Reported:\t02/28/2025\t\t\nComments:\t\nDispute resolved; customer disagrees  \nDate Last Active:\t02/28/2025\t\t\nDate of Last Payment:\t11/27/2022\t\t\nTwo-Year payment history\nLegend\nMonth\t\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nYear\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t120\t120\t120\t120\t90\tOK\tOK\tOK\tOK\t\tOK\tOK\t\tOK\tOK\tOK\t120\t120\t120\t120\t120\t90\tOK\tOK\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nMOHELA\nTransUnion\tExperian\tEquifax\nAccount #:\t\t\t9052383925100112****\nAccount Type:\t\t\tInstallment\nAccount Type - Detail:\t\t\t-\nBureau Code:\t\t\tIndividual\nAccount Status:\t\t\tOpen\nMonthly Payment:\t\t\t$157.00\nDate Opened:\t\t\t09/01/2006\nBalance:\t\t\t$17,282.00\nNo. of Months (terms):\t\t\t0\nHigh Credit:\t\t\t$13,896.00\nCredit Limit:\t\t\t$0.00\nPast Due:\t\t\t$1,580.00\nPayment Status:\t\t\tLate 120 Days\nLast Reported:\t\t\t05/01/2025\nComments:\t\t\t\nConsumer disputes - reinvestigation in progress  \nConsumer disputes after resolution  \nDate Last Active:\t\t\t07/01/2024\nDate of Last Payment:\t\t\t07/01/2024\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\tOK\t\t120\t120\t120\t120\t120\t90\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\tOK\tOK\tOK\t120\t120\t120\t120\t120\nMOHELASERVCN\nTransUnion\tExperian\tEquifax\nAccount #:\t00092008012321****\t\t\nAccount Type:\tInstallment\t\t\nAccount Type - Detail:\tEducational\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tOpen\t\t\nMonthly Payment:\t$80.00\t\t\nDate Opened:\t01/23/2008\t\t\nBalance:\t$8,210.00\t\t\nNo. of Months (terms):\t300\t\t\nHigh Credit:\t$3,500.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$724.00\t\t\nPayment Status:\tLate 120 Days\t\t\nLast Reported:\t02/28/2025\t\t\nComments:\t\nDispute resolved; customer disagrees  \nDate Last Active:\t02/28/2025\t\t\nDate of Last Payment:\t11/27/2022\t\t\nTwo-Year payment history\nLegend\nMonth\t\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nYear\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t120\t120\t120\t120\t90\tOK\tOK\tOK\tOK\t\tOK\tOK\t\tOK\tOK\tOK\t120\t120\t120\t120\t120\t90\tOK\tOK\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nMOHELA\nTransUnion\tExperian\tEquifax\nAccount #:\t\t\t9052383925100092****\nAccount Type:\t\t\tInstallment\nAccount Type - Detail:\t\t\t-\nBureau Code:\t\t\tIndividual\nAccount Status:\t\t\tOpen\nMonthly Payment:\t\t\t$80.00\nDate Opened:\t\t\t01/01/2008\nBalance:\t\t\t$8,255.00\nNo. of Months (terms):\t\t\t0\nHigh Credit:\t\t\t$3,500.00\nCredit Limit:\t\t\t$0.00\nPast Due:\t\t\t$804.00\nPayment Status:\t\t\tLate 120 Days\nLast Reported:\t\t\t05/01/2025\nComments:\t\t\t\nConsumer disputes - reinvestigation in progress  \nConsumer disputes after resolution  \nDate Last Active:\t\t\t07/01/2024\nDate of Last Payment:\t\t\t07/01/2024\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\tOK\t\t120\t120\t120\t120\t120\t90\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\tOK\tOK\tOK\t120\t120\t120\t120\t120\nKLARNA\nTransUnion\tExperian\tEquifax\nAccount #:\tKVBXTKVWESX2DT****\t\t\nAccount Type:\tInstallment\t\t\nAccount Type - Detail:\tInstallment sales contract\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tOpen\t\t\nMonthly Payment:\t$0.00\t\t\nDate Opened:\t03/16/2025\t\t\nBalance:\t$896.00\t\t\nNo. of Months (terms):\t6\t\t\nHigh Credit:\t$883.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$0.00\t\t\nPayment Status:\tCurrent\t\t\nLast Reported:\t04/01/2025\t\t\nComments:\t-\t\t\nDate Last Active:\t04/01/2025\t\t\nDate of Last Payment:\t03/16/2025\t\t\nTwo-Year payment history\nLegend\nMonth\t\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nYear\t25\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAUSTINCAPBK\nTransUnion\tExperian\tEquifax\nAccount #:\t85DVRG****\t85DVRG****\t85DVRG****\nAccount Type:\tCredit Line\tCredit Line\tCredit Line\nAccount Type - Detail:\tCredit line secured\tCredit line secured\tCredit line secured\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$60.00\t$60.00\t$60.00\nDate Opened:\t08/22/2024\t08/01/2024\t08/01/2024\nBalance:\t$60.00\t$60.00\t$60.00\nNo. of Months (terms):\t0\t0\t0\nHigh Credit:\t$60.00\t$60.00\t$0.00\nCredit Limit:\t$1,500.00\t$1,500.00\t$1,500.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/22/2025\t04/22/2025\t04/01/2025\nComments:\t-\t-\t\nSecured Credit line  \nAmount in H/C column is credit limit  \nDate Last Active:\t04/22/2025\t04/01/2025\t04/01/2025\nDate of Last Payment:\t04/16/2025\t04/16/2025\t04/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKIKOFF/CCBX\nTransUnion\tExperian\tEquifax\nAccount #:\tSCQJAI****\tSCQJAI****\tSCQJAI****\nAccount Type:\tOpen Account\tOpen Account\tOpen Account\nAccount Type - Detail:\tSecured credit card\tCredit line secured\tSecured credit card\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$0.00\t$0.00\t$0.00\nDate Opened:\t09/09/2024\t09/01/2024\t09/01/2024\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t0\t1\t0\nHigh Credit:\t$47.00\t$47.00\t$47.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/30/2025\t04/30/2025\t04/01/2025\nComments:\t-\t-\t\nSecured credit card  \nDate Last Active:\t02/01/2025\t04/01/2025\t02/01/2025\nDate of Last Payment:\t02/01/2025\t02/01/2025\t02/01/2025\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAVA FINANCE\nTransUnion\tExperian\tEquifax\nAccount #:\t9EXUGVBF8ZWSWM****\t7COHVEQ9EXUGVBF8ZWSWM****\tEQ9EXUGVBF8ZWSWM****\nAccount Type:\tOpen Account\tOpen Account\tOpen Account\nAccount Type - Detail:\tCredit Card\tCredit Card\tCredit Card\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tOpen\tOpen\tOpen\nMonthly Payment:\t$0.00\t$0.00\t$0.00\nDate Opened:\t09/12/2024\t09/01/2024\t09/01/2024\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t0\t1\t0\nHigh Credit:\t$0.00\t$0.00\t$0.00\nCredit Limit:\t$0.00\t$490.00\t$490.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/15/2025\t04/15/2025\t04/01/2025\nComments:\t-\t-\t\nCredit card  \nAmount in H/C column is credit limit  \nDate Last Active:\t04/15/2025\t04/01/2025\t-\nDate of Last Payment:\t-\t-\t-\nTwo-Year payment history\nLegend\nMonth\t\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nYear\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nSELFBILLSC\nTransUnion\tExperian\tEquifax\nAccount #:\tU902****\t\t\nAccount Type:\tOpen Account\t\t\nAccount Type - Detail:\tTelecommunications/Cellular\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tOpen\t\t\nMonthly Payment:\t$0.00\t\t\nDate Opened:\t07/12/2024\t\t\nBalance:\t$0.00\t\t\nNo. of Months (terms):\t0\t\t\nHigh Credit:\t$386.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$0.00\t\t\nPayment Status:\tCurrent\t\t\nLast Reported:\t12/17/2024\t\t\nComments:\t-\t\t\nDate Last Active:\t12/12/2024\t\t\nDate of Last Payment:\t12/12/2024\t\t\nTwo-Year payment history\nLegend\nMonth\t\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nYear\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t22\nTransUnion\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKLARNA\nTransUnion\tExperian\tEquifax\nAccount #:\tANE5TBENSGTCR5****\t\t\nAccount Type:\tInstallment\t\t\nAccount Type - Detail:\tInstallment sales contract\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tClosed\t\t\nMonthly Payment:\t$0.00\t\t\nDate Opened:\t02/02/2025\t\t\nBalance:\t$0.00\t\t\nNo. of Months (terms):\t3\t\t\nHigh Credit:\t$63.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$0.00\t\t\nPayment Status:\tCurrent\t\t\nLast Reported:\t03/06/2025\t\t\nComments:\t\nClosed  \nDate Last Active:\t03/06/2025\t\t\nDate of Last Payment:\t03/06/2025\t\t\nTwo-Year payment history\nLegend\nMonth\t\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nYear\t25\t25\t25\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nKLARNA\nTransUnion\tExperian\tEquifax\nAccount #:\tVBDHNBLW5QMQAJ****\t\t\nAccount Type:\tInstallment\t\t\nAccount Type - Detail:\tInstallment sales contract\t\t\nBureau Code:\tIndividual\t\t\nAccount Status:\tClosed\t\t\nMonthly Payment:\t$0.00\t\t\nDate Opened:\t12/01/2024\t\t\nBalance:\t$0.00\t\t\nNo. of Months (terms):\t6\t\t\nHigh Credit:\t$209.00\t\t\nCredit Limit:\t$0.00\t\t\nPast Due:\t$0.00\t\t\nPayment Status:\tCurrent\t\t\nLast Reported:\t03/06/2025\t\t\nComments:\t\nClosed  \nDate Last Active:\t03/06/2025\t\t\nDate of Last Payment:\t03/06/2025\t\t\nTwo-Year payment history\nLegend\nMonth\t\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nYear\t25\t25\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\nTransUnion\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nAUSTINCAPBK\nTransUnion\tExperian\tEquifax\nAccount #:\t8A7821****\t8A7821****\t8A7821****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\t-\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tClosed\tPaid\tPaid\nMonthly Payment:\t$0.00\t$0.00\t$0.00\nDate Opened:\t04/23/2022\t04/01/2022\t04/01/2022\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t120\t120\t120\nHigh Credit:\t$2,500.00\t$2,500.00\t$2,500.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/26/2023\t04/26/2023\t10/01/2024\nComments:\t\nAccount closed by consumer  \nCredit line closed - consumer request - reported by subscriber.  \nAccount closed at consumer's request  \nClosed or paid account/zero balance  \nDate Last Active:\t04/26/2023\t04/01/2023\t-\nDate of Last Payment:\t04/26/2023\t04/26/2023\t-\nTwo-Year payment history\nLegend\nMonth\t\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nYear\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t22\t22\t22\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOK\tOK\tOK\tOK\tOK\tOK\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOK\tOK\tOK\tOK\tOK\tOK\nEquifax\tOK\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\tOK\tOK\t\nSELF / LEAD\nTransUnion\tExperian\tEquifax\nAccount #:\tA0000000001665****\tCBA0000000001665****\tCBA0000000001665****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tSecured loan\tSecured loan\tSecured loan\nBureau Code:\tIndividual\tIndividual\tIndividual\nAccount Status:\tClosed\tPaid\tPaid\nMonthly Payment:\t$0.00\t$0.00\t$0.00\nDate Opened:\t04/23/2022\t04/01/2022\t04/01/2022\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t12\t12\t0\nHigh Credit:\t$539.00\t$539.00\t$539.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t04/21/2023\t04/21/2023\t10/01/2024\nComments:\t\nClosed  \n-\t\nClosed or paid account/zero balance  \nSecured  \nDate Last Active:\t04/21/2023\t04/01/2023\t-\nDate of Last Payment:\t04/21/2023\t04/21/2023\t-\nTwo-Year payment history\nLegend\nMonth\t\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nYear\t24\t24\t24\t24\t24\t24\t24\t24\t24\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t23\t22\t22\t22\nTransUnion\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOK\tOK\tOK\tOK\tOK\tOK\nExperian\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOK\tOK\tOK\tOK\tOK\tOK\nEquifax\tOK\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\tOK\t\tOK\tOK\t\t\t\nWEBBNK/FSTR\nTransUnion\tExperian\tEquifax\nAccount #:\t636992031889****\t636992031889****\t\nAccount Type:\tInstallment\tInstallment\t\nAccount Type - Detail:\tInstallment sales contract\tInstallment sales contract\t\nBureau Code:\tIndividual\tIndividual\t\nAccount Status:\tClosed\tPaid\t\nMonthly Payment:\t$0.00\t$0.00\t\nDate Opened:\t07/02/2017\t07/01/2017\t\nBalance:\t$0.00\t$0.00\t\nNo. of Months (terms):\t8\t8\t\nHigh Credit:\t$134.00\t$0.00\t\nCredit Limit:\t$0.00\t$0.00\t\nPast Due:\t$0.00\t$0.00\t\nPayment Status:\tCurrent\tCurrent\t\nLast Reported:\t12/22/2017\t12/26/2017\t\nComments:\t\nClosed  \n-\t\nDate Last Active:\t12/22/2017\t12/01/2017\t\nDate of Last Payment:\t12/22/2017\t12/22/2017\t\nTwo-Year payment history\nLegend\nMonth\t\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nDec\nNov\nOct\nSep\nAug\nJul\nJun\nMay\nApr\nMar\nFeb\nJan\nYear\t17\t17\t17\t17\t17\t17\t17\t17\t17\t17\t17\t17\t16\t16\t16\t16\t16\t16\t16\t16\t16\t16\t16\t16\nTransUnion\t\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nExperian\t\tOK\tOK\tOK\tOK\tOK\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nEquifax\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nLINCOLN AFS\nTransUnion\tExperian\tEquifax\nAccount #:\t5495****\t5495****\t5495****\nAccount Type:\tInstallment\tInstallment\tInstallment\nAccount Type - Detail:\tAuto Lease\tLease\tAuto Loan\nBureau Code:\tJoint\tJoint\tJoint\nAccount Status:\tClosed\tPaid\tPaid\nMonthly Payment:\t$0.00\t$0.00\t$0.00\nDate Opened:\t06/05/2017\t06/01/2017\t06/01/2017\nBalance:\t$0.00\t$0.00\t$0.00\nNo. of Months (terms):\t24\t24\t24\nHigh Credit:\t$8,473.00\t$8,473.00\t$8,473.00\nCredit Limit:\t$0.00\t$0.00\t$0.00\nPast Due:\t$0.00\t$0.00\t$0.00\nPayment Status:\tCurrent\tCurrent\tCurrent\nLast Reported:\t08/09/2024\t08/05/2024\t10/01/2024\nComments:\t\nFull termination; obligation satisfied  \nFull termination/obligation satisfied.  \nClosed or paid account/zero balance  \nAuto  \nDate Last Active:\t08/09/2024\t08/01/2024\t-\nDate of Last Payment:\t08/08/2024\t08/08/2024\t-\nTwo-Year"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief