---
title: "DOJ Epstein Files, Data Set 9 (EFTA00124183)"
source: "DOJ Epstein Files, Data Set 9"
sourceUrl: "https://huggingface.co/datasets/ishumilin/epstein-files-ocr-complete"
date: "2026-01-01"
category: "DOJ Data Set"
eftaNumber: "EFTA00124183"
ocrPages: 0
ocrChars: 44844
ocrElapsed: 0.0
parseTier: "external"
engine: "ishumilin OCR pipeline (engine undisclosed; CC0 mirror)"
externalSource: "ishumilin-ocr-complete"
externalLicense: "CC0-1.0"
externalCredit: "ishumilin/epstein-files-ocr-complete (Hugging Face)"
externalUrl: "https://huggingface.co/datasets/ishumilin/epstein-files-ocr-complete"
---

## EQUIFAX

CREDIT FILE :

Personal Identification Information (This section includes your name, current and previous addresses, and any other identifying information reported by your creditors.)

## ```markdown

Confirmation #
```



Please address all future correspondence to:



Last Reported Employment: DOJ Bureau;

<table><tr><td>www.equifax.com/personal/disputes</td></tr><tr><td>Equifax Information Services LLC</td></tr><tr><td>P.O. Box 740241</td></tr><tr><td>Atlanta, GA 30374</td></tr></table>





M - F 9:00am to 5:00pm in your time zone.

<table><thead><tr><th colspan="4">Collection Agency Information (This section includes accounts that credit grantors have placed for collection with a collection agency.)</th></tr></thead><tbody><tr><td colspan="4">Stern Recovery Services, Inc.; Collection Reported 08/2019; Assigned 01/2018; Creditor Class - Medical/Health Care; Original Creditor - First Health of the Carolinas; Amount - $125; Status as of 08/2019 - Unpaid; Date of 1st Delinquency 05/2016; Balance as of 08/2019 - $125; Individual Account; Account # - 5KQWS; Address: 415 N Edgeworth St Greensboro NC 27401-2182 : (336) 379-7321</td></tr><tr><td colspan="4"><strong>Credit Account Information<br>(For your security, the last 4 digits of account number(s) have been replaced by *)</strong> (This section includes open and closed accounts reported by credit grantors)</td></tr><tr><td colspan="4"><strong>Account Column Title Descriptions:</strong></td></tr><tr><td>Account Number - The Account number reported by credit grantor<br>Date Acct. Opened - The Date that the credit grantor opened the account<br>High Credit - The Highest Amount Charged<br>Credit Limit - The Highest Amount Permitted<br>Terms Duration - The Number of Installments or Payments<br>Terms Frequency - The Scheduled Time Between Payments<br>Months Reviewed - The Number of Months Reviewed<br>Activity Designator - The Most Recent Account Activity<br>Creditor Class - The Type of Company Reporting The Account<br>Date Reported - Date of Last Reported Update<br>Balance Amount - The Total Amount Owed as of the Date Reported<br>Status - Condition of Account When Last Updated by Creditor or Otherwise</td><td colspan="2">Amount Past Due - The Amount Past Due as of the Date Reported<br>Date of Last Paymnt - The Date of Last Payment<br>Actual Pay Amt - The Actual Amount of Last Payment<br>Sched Pay Amt - The Requested Amount of Last Payment<br>Date of 1st Delinquency - The Date of First Delinquency<br>Date of Last Actvty - The Date of the Last Account Activity<br>Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported<br>Charge Off Amt - The Amount Charged Off by Creditor<br>Deferred Pay Date - The 1st Payment Due Date for Deferred Loans<br>Balloon Pay Amt - The Amount of Final(Balloon) Payment<br>Balloon Pay Date - The Date of Final(Balloon) Payment<br>Date Closed - The Date the Account was Closed</td></tr><tr><td>Account History<br>Status Code<br>Descriptions</td><td>1: 30-59 Days Past Due<br>2: 60-89 Days Past Due<br>3: 90-119 Days Past Due<br>4: 120-149 Days Past Due</td><td>5: 150-179 Days Past Due<br>6: 180 or More Days Past Due<br>G: Collection Account<br>H: Foreclosure</td><td>J: Voluntary Surrender<br>K: Repossession<br>L: Charge Off</td></tr></tbody></table>

( Continued On Next Page )

Page 6 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124183

When you place a security freeze on your Equifax credit report, you will be provided a 10-digit personal identification number (PIN) to use if you choose to temporarily lift or permanently remove the security freeze from your credit report. To make either request, you can contact Equifax by phone or mail and provide all the following:

2. The unique PIN provided by Equifax when you placed the security freeze.

3. If requesting a temporary lift, specify the period of time for which the credit report is to be available (for example, from March 15, 2018 to March 21, 2018).

You can also create or sign into your account on www.equifax.com to authorize the temporary lift or permanent removal of your security freeze from your Equifax credit report.

Equifax will authorize the release of your credit report within one hour after receiving the above information if the request is by phone or electronic means or no later than three business days when a written request is submitted. Placing, lifting, and removing a security freeze on your Equifax credit report is free.

Page 5 of 22

<table><tr><td>9259041182CVJ-002734482-</td><td>1-</td><td>1 - S</td></tr></table>

EFTA00124184

<table><thead><tr><th colspan="3">Advanced Financial Svcs FCU</th><th colspan="10">785 Central Ave New Providence NJ 07974-1136</th></tr><tr><th colspan="3">Account Number</th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th colspan="2">Creditor Classification</th></tr></thead><tbody><tr><td></td><td></td><td></td><td>10/17/2008</td><td>$6,500</td><td></td><td></td><td>Monthly</td><td>47</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>09/30/2012</td><td>$0</td><td></td><td>09/2012</td><td>$194</td><td></td><td></td><td>09/2012</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Unsecured; Whose Account - Individual Account;

<table><thead><tr><th colspan="12">Affinity Federal Credit Union PO Box 621 Basking Ridge NJ 07920-0621</th></tr><tr><th>Account Number</th><th></th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th>Creditor Classification</th></tr></thead><tbody><tr><td>*</td><td></td><td></td><td>02/26/2019</td><td>$27,477</td><td></td><td>72M</td><td>Monthly</td><td></td><td>4</td><td></td><td></td><td></td></tr><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>07/31/2019</td><td>$25,846</td><td></td><td>07/2019</td><td>$470</td><td>$468</td><td></td><td>07/2019</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Auto; Fixed Rate;

<table border="1"><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td>Type of Loan</td><td>Activity Designator</td></tr><tr><td>08/19</td><td colspan="9">No Data Available</td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>07/19</td><td>$25,846</td><td>$468</td><td>$470</td><td>7/1/2019</td><td>$27,477</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>06/19</td><td>$26,166</td><td>$468</td><td>$470</td><td>6/1/2019</td><td>$27,477</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>05/19</td><td>$26,494</td><td>$468</td><td>$470</td><td>5/1/2019</td><td>$27,477</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>04/19</td><td>$26,795</td><td>$468</td><td>$470</td><td>4/1/2019</td><td>$27,477</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>03/19</td><td>$27,104</td><td>$468</td><td>$468</td><td>3/1/2019</td><td>$27,477</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr></table>

| FEB - Retail | PO Box 4499 Beaverton OR 97076-4499 : (866) 502-6439 |
| :--- | :--- |

This is a simple table with two columns: "FEB - Retail" and "PO Box 4499 Beaverton OR 97076-4499 : (866) 502-6439". The font is sans-serif, and the background is white. No additional graphics or text are present.

<table><thead><tr><th rowspan="2">Account Number</th><th rowspan="2"></th><th colspan="3">Date Opened</th><th rowspan="2">Credit Limit</th><th rowspan="2">Terms Duration</th><th rowspan="2">Terms Frequency</th><th colspan="2">Months Revd</th><th colspan="2">Activity Designator</th><th colspan="2">Creditor Classification</th></tr><tr><th>06/16/2019</th><th>$2,249</th><th>$3,000</th><th>Monthly</th><th>2</th><th></th><th></th><th></th></tr></thead><tbody><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt</td><td>Amount</td><td>Scheduled Paymnt</td><td>Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>08/27/2019</td><td>$2,002</td><td></td><td>07/2019</td><td>$300</td><td></td><td>$120</td><td></td><td>08/2019</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card;

( Continued On Next Page )

Page 7 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124185

<table border="1"><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td>Type of Loan</td><td>Activity Designator</td></tr><tr><td>08/19</td><td colspan="9">No Data Available</td></tr><tr><td>07/19</td><td>$2,249</td><td>$146</td><td></td><td></td><td>$2,249</td><td>$3,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>06/19</td><td>$0</td><td></td><td></td><td></td><td>$0</td><td>$3,000</td><td></td><td>Credit Card</td><td></td></tr></table>

<table><thead><tr><th colspan="2">Account Number</th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th>Paid and Closed</th><th>Creditor Classification</th></tr></thead><tbody><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>03/19/2014</td><td>$0</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Charge; Account Closed Due to Inactivity;

# First Premier 3820 N LOUISE AVE SIOUX FALLS SD 57107-0145:

| Account Number | Date Opened | High Credit | Credit Limit | Terms Duration | Terms Frequency | Months Revd | Activity Designator | Creditor Classification |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 01/06/2018 | 01/15/2014 | $800 | | | | 48 | Paid | |

**Items As Of Date Reported**
01/06/2018
$0

**Amount Past Due**
$0

**Date of Last Payment**
12/2017

**Actual Payment Amount**
$300

**Scheduled Payment Amount**
$0

**Date of 1st Delinquency**
07/2015

**Date of Last Activity**
07/2015

**Date Mal. Del. 1st Rptd**
12/2015

**Charge Off Amount**
$1,149

**Deferred Pay Start Date**
12/2015

**Balloon Pay Amount**
$0

**Balloon Pay Date**
Date Closed

---

**Status - Charge Off; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Paid For Less Than Full Balance; Paid Charge Off;**

**Account History with Status Codes**

| | 12/2017 L | 11/2017 L | 10/2017 L | 09/2017 L | 08/2017 L | 07/2017 L | 06/2017 L | 05/2017 L | 04/2017 L | 03/2017 L | 02/2017 L | 01/2017 L | 12/2016 L | 11/2016 L | 10/2016 L | 09/2016 L | 08/2016 L | 07/2016 L | 06/2016 L | 05/2016 L | 04/2016 L |
| :--- | :---

( Continued On Next Page )

Page 8 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124186

<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td>04/19</td><td colspan="9">No Data Available</td></tr><tr><td>03/19</td><td colspan="9">No Data Available</td></tr><tr><td>02/19</td><td colspan="9">No Data Available</td></tr><tr><td>01/19</td><td colspan="9">No Data Available</td></tr><tr><td>12/18</td><td colspan="9">No Data Available</td></tr><tr><td>11/18</td><td colspan="9">No Data Available</td></tr><tr><td>10/18</td><td colspan="9">No Data Available</td></tr><tr><td>09/18</td><td colspan="9">No Data Available</td></tr><tr><td>08/18</td><td colspan="9">No Data Available</td></tr><tr><td>07/18</td><td colspan="9">No Data Available</td></tr><tr><td>06/18</td><td colspan="9">No Data Available</td></tr><tr><td>05/18</td><td colspan="9">No Data Available</td></tr><tr><td>04/18</td><td colspan="9">No Data Available</td></tr><tr><td>03/18</td><td colspan="9">No Data Available</td></tr><tr><td>02/18</td><td colspan="9">No Data Available</td></tr><tr><td>01/18</td><td colspan="9">No Data Available</td></tr><tr><td>12/17</td><td>$1,059</td><td></td><td>$90</td><td>11/1/2017</td><td></td><td>$800</td><td>$1,059</td><td>Credit Card</td><td></td></tr></tbody></table>

( Continued On Next Page )

Page 9 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124187

<table border="1"><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td>Type of Loan</td><td>Activity Designator</td></tr><tr><td>11/17</td><td>$1,149</td><td></td><td></td><td>6/1/2015</td><td></td><td>$800</td><td>$1,149</td><td>Credit Card</td><td></td></tr></table>

<table><thead><tr><th colspan="2">Flagship Credit Acceptance,llc</th><th colspan="10">3 Christy Dr Ste 201 Chadds Ford PA 19317-9670</th></tr><tr><th>Account Number</th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th colspan="2">Creditor Classification</th></tr></thead><tbody><tr><td></td><td>2*</td><td>08/31/2016</td><td>$19,213</td><td></td><td>73M</td><td>Monthly</td><td></td><td>31</td><td>Paid and Closed</td><td></td><td></td><td></td></tr><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>03/31/2019</td><td>$0</td><td></td><td>03/2019</td><td>$12,683</td><td></td><td></td><td>03/2019</td><td></td><td></td><td></td><td></td><td>03/2019</td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Auto; Fixed Rate;

<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td>08/19</td><td colspan="9">No Data Available</td></tr><tr><td>07/19</td><td colspan="9">No Data Available</td></tr><tr><td>06/19</td><td colspan="9">No Data Available</td></tr><tr><td>05/19</td><td colspan="9">No Data Available</td></tr><tr><td>04/19</td><td colspan="9">No Data Available</td></tr><tr><td>03/19</td><td colspan="9">No Data Available</td></tr><tr><td>02/19</td><td colspan="9">No Data Available</td></tr><tr><td>01/19</td><td>$13,224</td><td>$338</td><td></td><td>11/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>12/18</td><td>$13,136</td><td>$338</td><td></td><td>11/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>11/18</td><td>$13,048</td><td>$338</td><td>$960</td><td>11/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr></tbody></table>

( Continued On Next Page )

Page 10 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124188

<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td>10/18</td><td>$13,921</td><td>$338</td><td></td><td>9/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>09/18</td><td>$13,828</td><td>$338</td><td>$360</td><td>9/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>08/18</td><td>$14,097</td><td>$338</td><td>$342</td><td>8/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>07/18</td><td>$14,343</td><td>$338</td><td>$350</td><td>7/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>06/18</td><td>$14,595</td><td>$338</td><td>$340</td><td>6/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>05/18</td><td>$14,839</td><td>$338</td><td>$330</td><td>5/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>04/18</td><td>$15,067</td><td>$338</td><td>$360</td><td>4/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>03/18</td><td colspan="10">No Data Available</td></tr><tr><td>02/18</td><td>$15,897</td><td>$338</td><td></td><td>1/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>01/18</td><td>$15,801</td><td>$338</td><td>$338</td><td>1/1/2018</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>12/17</td><td>$16,031</td><td>$338</td><td>$261</td><td>12/1/2017</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>11/17</td><td>$16,184</td><td>$338</td><td>$276</td><td>11/1/2017</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr><tr><td>10/17</td><td>$16,353</td><td>$338</td><td>$462</td><td>10/1/2017</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr><tr><td colspan="10">Additional Information: Fixed Rate</td></tr></tbody></table>

[Continued On Next Page]

Page 11 of 22

```markdown

9259041182CVJ-002734482- 1- 1 - S
```

EFTA00124189

<table border="1"><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td>Type of Loan</td><td>Activity Designator</td></tr><tr><td>09/17</td><td>$16,703</td><td>$338</td><td>$340</td><td>9/1/2017</td><td>$19,213</td><td></td><td></td><td>Auto</td><td></td></tr></table>

<table><thead><tr><th colspan="3">LEADERS Financial Company</th><th colspan="10">67 Walnut Ave Ste 110 Clark NJ 07066-1640</th></tr><tr><th>Account Number</th><th></th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th>Paid and Closed</th><th>Creditor Classification</th><th></th></tr></thead><tbody><tr><td>0*</td><td></td><td></td><td>09/05/2010</td><td>$9,436</td><td></td><td></td><td>Monthly</td><td></td><td>32</td><td>Paid and Closed</td><td></td><td></td><td></td></tr><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>02/05/2014</td><td>$0</td><td></td><td>04/2013</td><td>$293</td><td></td><td></td><td>03/2011</td><td></td><td></td><td></td><td></td><td></td><td>04/2013</td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance;

<table><thead><tr><th>Account Number</th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Months Revd</th><th>Activity Designator</th><th>Creditor Classification</th></tr></thead><tbody><tr><td colspan="11">Items As of Date Reported 08/12/2019 Balance Amount $1,044 Amount Past Due $1,044 Date of Last Payment 07/2019 Actual Paymnt Amount $1,257 Scheduled Paymnt Amount $1,257 Date of 1st Delinquency 08/2019 Date of Last Activity 07/2019 Date Mai. Del. 1st Rpts 07/2019 Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed</td></tr><tr><td colspan="11">Status - Collection Account; Type of Account - Open; Type of Loan - Family Support; Whose Account - Individual Account; ADDITIONAL INFORMATION - Child/Family Support; Collection Account;</td></tr><tr><td>Account History with Status Codes</td><td>07/2019</td><td>06/2015</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td colspan="11">Historical Account Information</td></tr><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td colspan="2">Type of Loan</td><td>Activity Designator</td></tr><tr><td>08/19</td><td>$1,044</td><td>$1,257</td><td></td><td>7/1/2019</td><td>$0</td><td></td><td>$1,044</td><td colspan="2">Family Support</td><td></td></tr><tr><td colspan="11">Additional Information: Collection Account</td></tr><tr><td>07/19</td><td>$1,481</td><td>$1,257</td><td></td><td>7/1/2019</td><td>$0</td><td></td><td>$1,481</td><td colspan="2">Family Support</td><td></td></tr><tr><td colspan="11">Additional Information: Collection Account</td></tr><tr><td>06/19</td><td>$0</td><td>$738</td><td></td><td>6/1/2019</td><td>$0</td><td></td><td></td><td colspan="2">Family Support</td><td></td></tr><tr><td>05/19</td><td>$0</td><td>$738</td><td></td><td>5/1/2019</td><td>$0</td><td></td><td></td><td colspan="2">Family Support</td><td></td></tr><tr><td>04/19</td><td>$0</td><td>$738</td><td></td><td>4/1/2019</td><td>$0</td><td></td><td></td><td colspan="2">Family Support</td><td></td></tr></tbody></table>

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EFTA00124190

<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td>03/19</td><td colspan="9">No Data Available</td></tr><tr><td>02/19</td><td>$0</td><td>$738</td><td></td><td>2/1/2019</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>01/19</td><td>$0</td><td>$738</td><td></td><td>1/1/2019</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>12/18</td><td>$0</td><td>$738</td><td></td><td>12/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>11/18</td><td>$0</td><td>$738</td><td></td><td>11/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>10/18</td><td>$0</td><td>$738</td><td></td><td>10/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>09/18</td><td>$0</td><td>$738</td><td></td><td>9/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>08/18</td><td>$0</td><td>$738</td><td></td><td>8/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>07/18</td><td>$0</td><td>$738</td><td></td><td>7/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>06/18</td><td>$0</td><td>$738</td><td></td><td>6/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>05/18</td><td>$0</td><td>$738</td><td></td><td>5/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>04/18</td><td>$0</td><td>$738</td><td></td><td>4/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>03/18</td><td>$0</td><td>$738</td><td></td><td>2/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>02/18</td><td colspan="9">No Data Available</td></tr><tr><td>01/18</td><td>$0</td><td>$738</td><td></td><td>1/1/2018</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>12/17</td><td>$0</td><td>$738</td><td></td><td>12/1/2017</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>11/17</td><td>$0</td><td>$738</td><td></td><td>11/1/2017</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr><tr><td>10/17</td><td>$0</td><td>$738</td><td></td><td>10/1/2017</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr></tbody></table>

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<table border="1"><tr><td></td><td>Balance</td><td>Scheduled Payment Amount</td><td>Actual Payment Amount</td><td>Date of Last Payment</td><td>High Credit</td><td>Credit Limit</td><td>Amount Past Due</td><td>Type of Loan</td><td>Activity Designator</td></tr><tr><td>09/17</td><td>$0</td><td>$738</td><td></td><td>8/1/2017</td><td>$0</td><td></td><td></td><td>Family Support</td><td></td></tr></table>

USAA Savings Bank  PO Box 33009 San Antonio TX 78265-3009

<table><thead><tr><th colspan="2">Account Number</th><th></th><th>Date Opened</th><th>High Credit</th><th>Credit Limit</th><th>Terms Duration</th><th>Terms Frequency</th><th>Monthly</th><th>Months Revd</th><th>Activity Designator</th><th>Creditor Classification</th></tr></thead><tbody><tr><td>Items As of Date Reported</td><td>Balance Amount</td><td>Amount Past Due</td><td>Date of Last Paymnt</td><td>Actual Paymnt Amount</td><td>Scheduled Paymnt Amount</td><td>Date of 1st Delinquency</td><td>Date of Last Activity</td><td>Date Maj. Del. 1st Rptd</td><td>Charge Off Amount</td><td>Deferred Pay Start Date</td><td>Balloon Pay Amount</td><td>Balloon Pay Date</td><td>Date Closed</td></tr><tr><td>08/26/2019</td><td>$1,582</td><td></td><td>08/2019</td><td>$500</td><td>$48</td><td></td><td>08/2019</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card;

<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td colspan="10">08/19 No Data Available</td></tr><tr><td>07/19</td><td>$1,721</td><td>$44</td><td>$300</td><td>7/1/2019</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td>06/19</td><td>$1,661</td><td>$42</td><td>$79</td><td>5/1/2019</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td>05/19</td><td>$1,384</td><td>$35</td><td>$33</td><td>4/1/2019</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td>04/19</td><td>$1,336</td><td>$33</td><td></td><td>2/1/2019</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td colspan="10">03/19 No Data Available</td></tr><tr><td>02/19</td><td>$775</td><td>$22</td><td>$500</td><td>2/1/2019</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td>01/19</td><td>$982</td><td>$24</td><td></td><td>12/1/2018</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td colspan="10">12/18 No Data Available</td></tr><tr><td>11/18</td><td>$1,426</td><td>$34</td><td>$293</td><td>10/1/2018</td><td>$1,982</td><td>$2,800</td><td></td><td>Credit Card</td><td></td></tr><tr><td colspan="10">10/18 No Data Available</td></tr><tr><td>09/18</td><td>$1,306</td><td>$30</td><td>$430</td><td>8/1/2018</td><td>$1,982</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr></tbody></table>

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<table><thead><tr><th></th><th>Balance</th><th>Scheduled Payment Amount</th><th>Actual Payment Amount</th><th>Date of Last Payment</th><th>High Credit</th><th>Credit Limit</th><th>Amount Past Due</th><th>Type of Loan</th><th>Activity Designator</th></tr></thead><tbody><tr><td>08/18</td><td>$1,407</td><td>$33</td><td>$66</td><td>8/1/2018</td><td>$1,982</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>07/18</td><td>$1,162</td><td>$34</td><td>$251</td><td>7/1/2018</td><td>$1,982</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>06/18</td><td colspan="9">No Data Available</td></tr><tr><td>05/18</td><td>$1,564</td><td>$51</td><td>$210</td><td>5/1/2018</td><td>$1,982</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>04/18</td><td>$1,699</td><td>$54</td><td>$320</td><td>4/1/2018</td><td>$1,982</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>03/18</td><td>$1,832</td><td>$56</td><td>$151</td><td>3/1/2018</td><td>$1,894</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>02/18</td><td>$1,757</td><td>$54</td><td>$81</td><td>1/1/2018</td><td>$1,890</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>01/18</td><td>$1,803</td><td>$52</td><td>$52</td><td>12/1/2017</td><td>$1,890</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>12/17</td><td colspan="9">No Data Available</td></tr><tr><td>11/17</td><td>$1,826</td><td>$55</td><td>$169</td><td>10/1/2017</td><td>$1,890</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr><tr><td>10/17</td><td>$1,838</td><td>$57</td><td>$90</td><td>10/1/2017</td><td>$1,890</td><td>$2,000</td><td></td><td>Credit Card</td><td></td></tr></tbody><tfoot><tr><th colspan="5">Company Information</th><th colspan="5">Inquiry Date(s)</th></tr><tr><td colspan="5">Comcast-Philadelphia</td><td colspan="5">06/09/2019</td></tr><tr><td colspan="5">4008 N Dupont Hwy New Castle, DE 19720-6314 Phone:</td><td colspan="5"></td></tr><tr><td colspan="5">Capital One</td><td colspan="5">02/26/2019</td></tr><tr><td colspan="5">PO BOX 269407 CREDIT BUREAU DISPUTE PLANO, TX 75025 Phone:</td><td colspan="5"></td></tr><tr><td colspan="5">USAA FSB CC<br>3773 Howard Hughes Pkwy Las Vegas, NV 89169-0949</td><td colspan="5">08/15/2018</td></tr></tfoot></table>

Your Exchange Data Report was used to generate an Insight Score which was resold by Equifax. Therefore, you are entitled to a copy of your Exchange Data Report. To order your data report or Insight Score call

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<table border="1"><tr><td colspan="2">Inquiries that do not impact your credit rating/score.
These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to 2 years.</td></tr><tr><td colspan="2">Company Information - Prefix Descriptions:</td></tr><tr><td>AM OR AR</td><td>Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.</td></tr><tr><td>CAR RENT</td><td>Inquiries with this prefix are from rental car companies regarding debit card payment acceptance.</td></tr><tr><td>COLLECT</td><td>Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lender&#x27;s behalf, or a company that purchased your debt.</td></tr><tr><td>CONS RPT</td><td>Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product.</td></tr><tr><td>DAA</td><td>Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account.</td></tr><tr><td>EMPL OR ND EMPL</td><td>Inquiries with this prefix indicate an employment inquiry.</td></tr><tr><td>EQUIFAX OR EFX</td><td>Inquiries with these prefixes indicate Equifax&#x27;s activity in response to your contact with us for a copy or your credit file or a research request.</td></tr><tr><td>FIN PLAN</td><td>Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning.</td></tr><tr><td>INS</td><td>Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting purposes.</td></tr><tr><td>MEDICAL</td><td>Inquiries with this prefix are from medical service providers.</td></tr><tr><td>ND</td><td>Inquiries with this prefix are general inquiries that do not display to creditor grantors.</td></tr><tr><td>ND MR</td><td>Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan.</td></tr><tr><td>NON APPL</td><td>Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant.</td></tr><tr><td>PR</td><td>Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.</td></tr><tr><td>PREQAUTO</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease.</td></tr><tr><td>PREQCARD</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card.</td></tr><tr><td>PREQCOMM</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services.</td></tr><tr><td>PREQHE</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of credit.</td></tr><tr><td>PREQIL</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for an installment loan other than auto, mortgage or home equity.</td></tr><tr><td>PREQINS</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote.</td></tr><tr><td>PREQMTG</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan.</td></tr><tr><td>PREQOD</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit.</td></tr><tr><td>PREQ</td><td>Inquiries with this prefix are used when you have provided consent to be prequalified for credit or services, not specific to auto, credit card, telecommunications, home equity, installment loan, insurance, mortgage or overdraft services.</td></tr><tr><td>PRM</td><td>Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit of insurance.</td></tr><tr><td>REFRESH</td><td>Inquiries with this prefix relate to the use of a consumer report in the period of time between underwriting and closing of a mortgage loan to ensure no new debt is identified.</td></tr><tr><td>SUPPORT</td><td>Inquiries with this prefix are used by a social service agency related to a government benefit or child support.</td></tr><tr><td>UTILSERV</td><td>Inquiries with this prefix are used when requesting utility services.</td></tr></table>

<table border="1"><tr><td>Company Information</td><td colspan="3">Inquiry Date(s)</td></tr><tr><td>EquifaxPO Box 740241 Atlanta, GA 30374-0241 Phone:</td><td>09/16/2019</td><td>11/14/2017</td><td>11/14/2017</td></tr><tr><td>UTILSERV-Southern Gas Company1844 W Ferry Rd Naperville, IL 60563-9662</td><td>08/30/2019</td><td></td><td></td></tr><tr><td>PRM-Liberty Mutual Insurance157 BERKELEY ST BOSTON, MA 02116-510</td><td>08/03/2019</td><td></td><td></td></tr></table>

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<table><thead><tr><th>Company Information</th><th colspan="9">Inquiry Date(s)</th></tr></thead><tbody><tr><td rowspan="3">PRM–Discover Financial Services<br>2500 Lake Cook Rd Riverwoods, IL 60015-3851 Phone:</td><td>07/19/2019</td><td>07/05/2019</td><td>06/27/2019</td><td>06/21/2019</td><td>06/14/2019</td><td>06/07/2019</td><td>05/23/2019</td><td>04/26/2019</td></tr><tr><td>04/19/2019</td><td>04/12/2019</td><td>04/05/2019</td><td>03/28/2019</td><td>03/22/2019</td><td>03/15/2019</td><td>03/08/2019</td><td>02/28/2019</td></tr><tr><td>02/22/2019</td><td>02/07/2019</td><td>02/01/2019</td><td>12/21/2018</td><td>12/13/2018</td><td>12/06/2018</td><td>11/29/2018</td><td></td></tr><tr><td rowspan="2">PRM–Citi Cards CBNA<br>PO BOX 6142 SIoux FALLS, SD 57117-6142 Phone:</td><td>07/01/2019</td><td>06/01/2019</td><td>04/27/2019</td><td>03/30/2019</td><td>02/23/2019</td><td>12/29/2018</td><td>11/27/2018</td><td>10/26/2018</td></tr><tr><td>09/25/2018</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>PRM–Capital One Bank USA Na<br>PO Box 85015 Richmond, VA 23285-5015 Phone:</td><td>06/29/2019</td><td>05/28/2019</td><td>04/30/2019</td><td>03/26/2019</td><td>12/25/2018</td><td>11/27/2018</td><td>09/25/2018</td><td></td></tr><tr><td>PREQCARD–Fortiva/Tbom<br>PO BOX 105555 ATLANTA, GA 30348-5555 Phone:</td><td>06/16/2019</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>DTC–Comcast–Philadelphia<br>4008 N Dupont Hwy New Castle, DE 19720-6314 Phone:</td><td>06/09/2019</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>PRM–Amica Mutual Insurance CO<br>P O Drawer 6008 10 Weyboset St Providence, RI 02903-2818 Phone:</td><td>02/28/2019</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>PRM–Capital One Auto Finance<br>3901 Dallas Pkwy Plano, TX 75093-7864 Phone:</td><td>02/26/2019</td><td>01/29/2019</td><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody></table>

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## Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files 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 FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consume Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your 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 file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file 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 file;

your file contains inaccurate information as a result of fraud;

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.consumerfinance.gov/learnmore for additional information.

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

o Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

$$\textcircled{0}$$ Consumer reporting agencies may not report outdated negative information. In 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 file 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 specifies those with a valid need for access

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