A40 Att 4 PWS Single Report Examples.pdf

Single EXP Response File <?xml version="1.0" encoding="UTF-8"?> <NetConnectResponse xmlns="http://www.experian.com/NetConnectResponse"> <CompletionCode>0000</CompletionCode> <TransactionId>1234512345</TransactionId> <Products xmlns="http://www.experian.com/ARFResponse"> <EmploymentInsight> <Header> <ReportDate>10052022</ReportDate> <ReportTime>161249</ReportTime> <Preamble>TCA1</Preamble> <ARFVersion>07</ARFVersion> <ReferenceNumber>1234567</ReferenceNumber> </Header>

<SSN>

<VariationIndicator code=" " /> <Number>999999999</Number>

</SSN>

<ConsumerIdentity> <Name> <Surname>DUCK</Surname> <First>DONALD</First> <Middle>D</Middle> </Name>

<YOB />

</ConsumerIdentity> <AddressInformation> <FirstReportedDate>06162006</FirstReportedDate> <LastUpdatedDate>09272016</LastUpdatedDate> <Origination code="2" /> <TimesReported>06</TimesReported> <LastReportingSubcode>1339272</LastReportingSubcode> <DwellingType code="S" /> <HomeOwnership code=" " /> <StreetPrefix>1234</StreetPrefix> <StreetName>MAIN</StreetName> <StreetSuffix>ST</StreetSuffix> <City>New York</City> <State>NY</State> <Zip>123451234</Zip> <CensusGeoCode /> </AddressInformation> <TradeLine> <SpecialComment code="31" />

<Evaluation code="N" /> <OpenDate>01112006</OpenDate> <StatusDate>10012016</StatusDate> <MaxDelinquencyDate /> <AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00013100</Value> </Amount> <Amount> <Qualifier code="H" /> <Value>00001439</Value> </Amount> <BalanceDate>06242016</BalanceDate> <BalanceAmount>00000000</BalanceAmount> <Status code="11" /> <AmountPastDue /> <OpenOrClosed code="C" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>123456789999</AccountNumber> <MonthsHistory>61</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>B------------------------</PaymentProfile> <Subcode>1229200</Subcode> <KOB code="BC" /> <SubscriberDisplayName>AMEX</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>01012016</InitialPaymentLevelDate> <AccountCondition code="A3" /> <PaymentStatus code="11" /> <AccountType code="18" /> <SpecialComment code="40" /> </EnhancedPaymentData> </TradeLine> <TradeLine> <SpecialComment code="19" />

<OpenDate>01012010</OpenDate>

<StatusDate>01012022</StatusDate> <MaxDelinquencyDate /> <AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00013100</Value> </Amount> <Amount> <Qualifier code="H" /> <Value>00001266</Value> </Amount> <BalanceDate>01142022</BalanceDate> <BalanceAmount /> <Status code="12" /> <AmountPastDue /> <OpenOrClosed code="C" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>999123456789</AccountNumber> <MonthsHistory>99</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>BCCCCCCCCCCCCCCCCCCCCCCCC</PaymentProfile> <MonthlyPaymentAmount /> <MonthlyPaymentType code=" " /> <LastPaymentDate>01142022</LastPaymentDate> <Subcode>3182310</Subcode> <KOB code="BC" /> <SubscriberDisplayName>JPMCB CARD</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>01012022</InitialPaymentLevelDate> <AccountCondition code="A2" /> <PaymentStatus code="11" /> <AccountType code="0G" /> <SpecialComment code="19" /> </EnhancedPaymentData> </TradeLine> <TradeLine> <SpecialComment code="18" />

<OpenDate>01012001</OpenDate> <StatusDate>01012019</StatusDate> <MaxDelinquencyDate /> <AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00013100</Value> </Amount> <Amount> <Qualifier code=" " /> <Value /> </Amount> <BalanceDate>01012019</BalanceDate> <BalanceAmount /> <Status code="12" /> <AmountPastDue /> <OpenOrClosed code="C" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>999991234567</AccountNumber> <MonthsHistory>94</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>BCCCCCCCCCCCCCCCCCCCCCCCC</PaymentProfile> <Subcode>1229200</Subcode> <KOB code="BC" /> <SubscriberDisplayName>AMEX</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>01012019</InitialPaymentLevelDate> <AccountCondition code="A2" /> <PaymentStatus code="11" /> <AccountType code="18" /> <SpecialComment code="91" /> </EnhancedPaymentData> </TradeLine> <TradeLine> <SpecialComment code=" " /> <Evaluation code="P" /> <OpenDate>01221998</OpenDate> <StatusDate>12012015</StatusDate>

<AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00013500</Value> </Amount> <Amount> <Qualifier code="H" /> <Value>00000920</Value> </Amount> <BalanceDate>12012015</BalanceDate> <BalanceAmount /> <Status code="12" /> <AmountPastDue /> <OpenOrClosed code="C" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>601199991234</AccountNumber> <MonthsHistory>99</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>B000000000000000000000000</PaymentProfile> <MonthlyPaymentAmount /> <MonthlyPaymentType code=" " /> <LastPaymentDate>01012008</LastPaymentDate> <Subcode>3276502</Subcode> <KOB code="BC" /> <SubscriberDisplayName>DISCOVER BANK</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>12012015</InitialPaymentLevelDate> <AccountCondition code="A2" /> <PaymentStatus code="11" /> <AccountType code="18" /> <SpecialComment code=" " /> </EnhancedPaymentData> </TradeLine> <TradeLine> <SpecialComment code=" " /> <Evaluation code="P" /> <OpenDate>01112006</OpenDate>

<AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00013100</Value> </Amount> <Amount> <Qualifier code="H" /> <Value>00005920</Value> </Amount> <BalanceDate>01262022</BalanceDate> <BalanceAmount>00002317</BalanceAmount> <Status code="11" /> <AmountPastDue /> <OpenOrClosed code="O" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>410099991234</AccountNumber> <MonthsHistory>73</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>CCCCCCCCCCCCCCCCCCCCCCCCC</PaymentProfile> <MonthlyPaymentAmount>00000041</MonthlyPaymentAmount> <MonthlyPaymentType code="S" /> <LastPaymentDate>01222022</LastPaymentDate> <Subcode>1339272</Subcode> <KOB code="BB" /> <SubscriberDisplayName>CITI</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>01012022</InitialPaymentLevelDate> <AccountCondition code="A1" /> <PaymentStatus code="11" /> <AccountType code="0G" /> <SpecialComment code=" " /> </EnhancedPaymentData> </TradeLine> <TradeLine> <SpecialComment code=" " /> <Evaluation code="P" />

<OpenDate>01011989</OpenDate>

<MaxDelinquencyDate /> <AccountType code="18" /> <TermsDuration code="REV" /> <ECOA code="1" /> <Amount> <Qualifier code="L" /> <Value>00015800</Value> </Amount> <Amount> <Qualifier code="H" /> <Value>00003814</Value> </Amount> <BalanceDate>01132022</BalanceDate> <BalanceAmount>00000022</BalanceAmount> <Status code="11" /> <AmountPastDue /> <OpenOrClosed code="O" /> <RevolvingOrInstallment code="R" /> <ConsumerComment /> <AccountNumber>546612347654</AccountNumber> <MonthsHistory>99</MonthsHistory> <DelinquenciesOver30Days>00</DelinquenciesOver30Days> <DelinquenciesOver60Days>00</DelinquenciesOver60Days> <DelinquenciesOver90Days>00</DelinquenciesOver90Days> <DerogCounter>00</DerogCounter> <PaymentProfile>CCCCCCCCCCCCCCCCCCCCCCCCC</PaymentProfile> <MonthlyPaymentAmount>00000022</MonthlyPaymentAmount> <MonthlyPaymentType code="S" /> <LastPaymentDate>01092022</LastPaymentDate> <Subcode>1240000</Subcode> <KOB code="BC" /> <SubscriberDisplayName>CITICARDS CBNA</SubscriberDisplayName> <EnhancedPaymentData> <InitialPaymentLevelDate>01012022</InitialPaymentLevelDate> <AccountCondition code="A1" /> <PaymentStatus code="11" /> <AccountType code="0G" /> <SpecialComment code=" " /> </EnhancedPaymentData> </TradeLine> <Inquiry> <Date>01282022</Date>

<Amount>UNKNOWN</Amount> <Type code="29" /> <Terms code="UNK" /> <Subcode>2959227</Subcode> <KOB code="ZT" /> <SubscriberDisplayName>RENTGROW</SubscriberDisplayName> </Inquiry> <Statement> <Type code="24" /> <DateReported>10012022</DateReported> <StatementText> <MessageText>USER ACKNOWLEDGES RECEIPT OF A COPY OF THE SUMMARY OF THE CONSUMER'S RIGHTS PRESCRIBED BY THE FEDERAL TRADE COMMISSION UNDER SECTION 609 (c) (3) OF THE FCRA ("CONSUMER'S RIGHTS"). BY ACCEPTING THIS REPORT, THE USER HEREBY CERTIFIES AND CONFIRMS THAT HE OR SHE WILL ATTACH A COPY OF THE CONSUMER'S RIGHTS TO THE REPORT AS REQUIRED BY SECTION 604 (b) (1) (B) OF THE FCRA.</MessageText> </StatementText> </Statement> </EmploymentInsight> </Products> </NetConnectResponse>

Single TU Response File <?xml version="1.0" encoding="UTF-8"?> <creditBureau xmlns="http://www.transunion.com/namespace" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <document>response</document> <version>2.14</version> <transactionControl> <userRefNumber>1234567</userRefNumber> <subscriber> <industryCode>V</industryCode> <memberCode>12345678</memberCode> <inquirySubscriberPrefixCode>1221</inquirySubscriberPrefixCode> </subscriber> <options> <language>en</language> <productVersion>standard</productVersion> </options> <tracking> <transactionTimeStamp>2022-05-12T13:30:58.909-05:00</transactionTimeStamp> </tracking> </transactionControl> <product> <code>06000</code> <custom> <employmentCreditReport> <statement> <type>consumerBillOfRights</type> <text>A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT*PARA

INFORMACION EN ESPANOL, VISITE WWW.CONSUMERFINANCE.GOV 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). . FOR MORE INFORMATION, INCLUDING INFORMATION ABOUT

ADDITIONAL RIGHTS, GO TO WWW.CONSUMERFINANCE.GOV/LEARNMORE, OR WRITE TO: CONSUMER 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 ON PUBLIC ASSISTANCE;*- 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 MORE 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.*- 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*- CONSUMER REPORTING AGENCIES MAY NOT REPORT OUTDATED NEGATIVE

INFORMATION. IN MOST CASES, A CONSUMER REPORTING AGENCY MAY NOT REPRT 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.*- YOU MUST GIVE YOUR CONSENT FOR

REPORTS TO BE PROVIDED TO EMPLOYERS. A CONSUMER REPORTING AGENCY MAY NOT GIVE

OUT INFORMATION ABOUT YOU TO YOUR EMPLOYER, OR A POTENTIAL EMPLOYER, WITHOUT YOUR WRITTEN CONSENT GIVEN TO THE EMPLOYER. WRITTEN CONSENT GENERALLY IS NOT REQUIRED IN

THE TRUCKING INDUSTRY. FOR MORE INFORMATION, GO TO

WWW.CONSUMERFINANCE.GOV/LEARNMORE.*- YOU MAY LIMIT "PRESCREENED" OFFERS OF CREDIT

AND INSURANCE YOU GET BASED ON INFORMATION IN YOUR CREDIT REPORT. UNSOLICITED

"PRESCREENED" OFFERS FOR CREDIT AND INSURANCE MUST INCLUDE A TOLL-FREE PHONE

NUMBER YOU CAN CALL IF YOU CHOOSE TO REMOVE YOUR NAME AND ADDRESS FROM THE LISTS

THESE OFFERS ARE BASED ON. YOU MAY OPT-OUT WITH THE NATIONWIDE CREDIT BUREAUS AT

1-888-5-OPTOUT (1-888-567-8688).*-CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE.

YOU HAVE A RIGHT TO PLACE A "SECURITY FREEZE" ON YOUR CREDIT REPORT, WHICH WILL PROHIBIT A CONSUMER REPORTING AGENCY FROM RELEASING INFORMATION IN YOUR CREDIT REPORT WITHOUT YOUR EXPRESS AUTHORIZATION. THE SECURITY FREEZE IS DESIGNED TO PREVENT CREDIT, LOANS, AND SERVICES FROM BEING APPROVED IN YOUR NAME WITHOUT YOUR CONSENT. HOWEVER, YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO TAKE CONTROL OVER WHO GETS ACCESS TO THE

PERSONAL AND FINANCIAL INFORMATION IN YOUR CREDIT REPORT MAY DELAY,INTERFERE WITH, OR

PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE

REGARDING A NEW LOAN, CREDIT, MORTGAGE, OR ANY OTHER ACCOUNT INVOLVING THE EXTENSION

OF CREDIT. A SECURITY FREEZE DOES NOT APPLY TO A PERSON OR ENTITY , OR ITS

AFFILIATES, OR COLLECTION AGENCIES ACTING ON BEHALF OF THE PERSON OR ENTITY, WITH WHICH YOU HAVE AN EXISTING ACCOUNT THAT REQUESTS INFORMATION IN YOUR CREDIT REPORT FOR THE

PURPOSES OF REVIEWING OR COLLECTING THE ACCOUNT.REVIEWING THE ACCOUNT INCLUDES

ACTIVITIES RELATED TO ACCOUNT MAINTENANCE, MONITORING, CREDIT LINE INCREASES, AND

ACCOUNT UPGRADES AND ENHANCEMENTS. *-AS AN ALTERNATIVE TO A SECURITY FREEZE,

YOU HAVE THE RIGHT TO PLACE AN INITIAL OR EXTENDED FRAUD ALERT ON YOUR CREDIT FILE AT NO COST. AN INITIAL FRAUD ALERT IS A 1-YEAR ALERT THAT IS PLACED ON A CONSUMER'S CREDIT FILE.

UPON SEEING A FRAUD ALERT DISPLAY ON A CONSUMER'S CREDIT FILE, A BUSINESS IS REQUIRED TO TAKE STEPS TO VERIFY THE CONSUMER'S IDENTITY BEFORE EXTENDING NEW CREDIT. IF YOU ARE A VICTIM OF IDENTITY THEFT, YOU ARE ENTITLED TO AN EXTENDED FRAUD ALERT, WHICH IS A FRAUD

ALERT LASTING 7 YEARS. *- YOU MAY SEEK DAMAGES FROM VIOLATORS. IF A CONSUMER

REPORTING AGENCY, OR, IN SOME CASES, A USER OF CONSUMER REPORTS OR A FURNISHER OF INFORMATION TO A CONSUMER REPORTING AGENCY VIOLATES THE FCRA, YOU MAY BE ABLE TO SUE IN STATE OR FEDERAL COURT.*- IDENTITY THEFT VICTIMS AND ACTIVE DUTY MILITARY PERSONNEL

HAVE ADDITIONAL RIGHTS. FOR MORE INFORMATION, VISIT

WWW.CONSUMERFINANCE.GOV/LEARNMORE.*STATES MAY ENFORCE THE FCRA, AND MANY STATES

HAVE THEIR OWN CONSUMER REPORTING LAWS. IN SOME CASES, YOU MAY HAVE MORE RIGHTS

UNDER STATE LAW. FOR MORE INFORMATION, CONTACT YOUR STATE OR LOCAL CONSUMER

PROTECTION AGENCY OR YOUR STATE ATTORNEY GENERAL. FOR INFORMATION ABOUT YOUR

FEDERAL RIGHTS, CONTACT:*-TYPE OF BUSINESS: CONTACT:*1.a. BANKS, SAVINGS

ASSOCIATIONS, AND CONSUMER FINANCIAL PROTECTION CREDIT UNIONS WITH TOTAL ASSETS

OF BUREAU OVER $10 BILLION AND THEIR 1700 G STREET, N.W.

AFFILIATES WASHINGTON, DC 20552* b. SUCH AFFILIATES THAT ARE NOT BANKS, FEDERAL TRADE COMMISSION: SAVINGS ASSOCIATIONS, OR CREDIT CONSUMER RESPONSE

CENTER -FCRA UNIONS ALSO SHOULD LIST, IN ADDITION WASHINGTON, DC 20580 TO

THE CFPB: 1-877-382-4357*2. TO THE EXTENT NOT INCLUDED IN ITEM 1 OFFICE OF THE

COMPTROLLER OF THE ABOVE: CURRENCY * a. NATIONAL BANKS, FEDERAL SAVINGS CUSTOMER ASSISTANCE GROUP ASSOCIATIONS, AND FEDERAL

BRANCHES 1301 McKINNEY STREET, SUITE 3450 AND FEDERAL AGENCIES OF FOREIGN BANKS HOUSTON, TX 77010-9050* b. STATE MEMBER BANKS, BRANCHES AND FEDERAL RESERVE

CONSUMER HELP AGENCIES OF FOREIGN BANKS (OTHER THAN CENTER

FEDERAL BRANCHES, FEDERAL AGENCIES P.O. BOX. 1200 AND INSURED STATE

BRANCHES OF FOREIGN MINNEAPOLIS, MN 55480 BANKS), COMMERCIAL LENDING

COMPANIES OWNED OR CONTROLLED BY FOREIGN BANKS, AND

ORGANIZATIONS OPERATING UNDER SECTION 25 OR 25A OF THE FEDERAL

RESERVE ACT * c. NONMEMBER INSURED BANKS, INSURED FDIC CONSUMER RESPONSE CENTER

STATE BRANCHES OF FOREIGN BANKS, AND 1100 WALNUT STREET BOX #11 INSURED STATE

SAVINGS ASSOCIATIONS KANSAS CITY, MO 64106* d. FEDERAL CREDIT UNIONS NATIONAL

CREDIT UNION ADMINISTRATION

OFFICE OF CONSUMER PROTECTION (OCP) DIVISION OF CONSUMER

COMPLIANCE AND OUTREACH (DCCO) 1775

DUKE STREET ALEXANDRIA, VA 22314*3. AIR CARRIERS

ASST. GENERAL COUNSEL FOR AVIATION ENFORCEMENT &amp; PROCEEDINGS

AVIATION CONSUMER PROTECTION DIVISION

DEPARTMENT OF TRANSPORTATION 1200 NEW JERSEY AVENUE, S.E.

WASHINGTON, DC 20590*4. CREDITORS SUBJECT TO THE SURFACE OFFICE OF PROCEEDINGS,

SURFACE TRANSPORTATION BOARD TRANSPORTATION BOARD

DEPARTMENT OF TRANSPORTATION 395 E STREET, S.W.

WASHINGTON, DC 20423*5. CREDITORS SUBJECT TO THE PACKERS AND NEAREST PACKERS AND

STOCKYARDS STOCKYARDS ACT, 1921 ADMINISTRATION AREA SUPERVISOR*6. SMALL

BUSINESS INVESTMENT COMPANIES 2 ASSOCIATE DEPUTY ADMINISTRATOR FOR

CAPITAL ACCESS UNITED STATES SMALL BUSINESS

ADMINISTRATION 409 THIRD STREET, S.W., 8TH FLOOR

WASHINGTON, DC 20416*7. BROKERS AND DEALERS SECURITIES AND EXCHANGE

COMMISSION 100 F STREET, N.E.

WASHINGTON, DC 20549*8. FEDERAL LAND BANKS, FEDERAL LAND FARM CREDIT ADMINISTRATION

BANK ASSOCIATIONS, FEDERAL 1501 FARM CREDIT DRIVE INTERMEDIATE CREDIT

BANKS, AND McLEAN, VA 22102-5090 PRODUCTION CREDIT ASSOCIATIONS*9.

RETAILERS, FINANCE COMPANIES, AND FTC REGIONAL OFFICE FOR REGION IN ALL OTHER

CREDITORS NOT LISTED ABOVE WHICH THE CREDITOR OPERATES OR

FEDERAL TRADE COMMISSION: CONSUMER RESPONSE CENTER- FCRA

WASHINGTON, DC 20580 1-877-382-4357#BR#</text> </statement> </employmentCreditReport> </custom> <subject> <number>1</number> <subjectRecord> <fileNumber>01</fileNumber> <fileSummary> <fileHitIndicator>regularHit</fileHitIndicator> <ssnMatchIndicator>exact</ssnMatchIndicator> <consumerStatementIndicator>false</consumerStatementIndicator> <market>15</market> <submarket>DF</submarket> <creditDataStatus> <suppressed>false</suppressed> <doNotPromote> <indicator>false</indicator> </doNotPromote> <freeze> <indicator>false</indicator> </freeze> <minor>false</minor>

<disputed>false</disputed> </creditDataStatus> <inFileSinceDate estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">1999-01-01</inFileSinceDate> </fileSummary> <indicative> <name source="file"> <person> <first>DONALD</first> <middle>D</middle> <last>DUCK</last> </person> </name> <name source="file"> <qualifier>alsoKnownAs</qualifier> <person> <unparsed>DUCK,DONALD,D</unparsed> </person> </name> <address source="file"> <status>current</status> <qualifier>personal</qualifier> <street> <number>1234</number> <name>MAIN</name> <type>ST</type> </street> <location> <city>NEW YORK</city> <state>NY</state> <zipCode>12345</zipCode> </location> <dateReported estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2004-01-30</dateReported> </address> <address source="file"> <status>previous</status> <qualifier>personal</qualifier> <street> <number>4321</number> <name>MAIN</name> <preDirectional>S</preDirectional> <type>DR</type> </street>

<location> <city>NEW YORK</city> <state>NY</state> <zipCode>12345</zipCode> </location> <dateReported estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2001-1-01</dateReported> </address> <address source="file"> <status>previous</status> <qualifier>personal</qualifier> <street> <number>1234</number> <name>EASTERN</name> <type>DR</type> <unit> <number>123</number> </unit> </street> <location> <city>NEW YORK</city> <state>NY</state> <zipCode>12345</zipCode> </location> </address> <socialSecurity source="file"> <number>999999999</number> </socialSecurity> <employment source="file"> <employer> <unparsed>DISNEY</unparsed> </employer> <occupation>SAILOR</occupation> <dateOnFileSince estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2010-10-10</dateOnFileSince> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2010-10-10</dateEffective> </employment> </indicative> <custom> <credit> <trade> <subscriber> <industryCode>FM</industryCode>

<memberCode>02DFN001</memberCode> <name> <unparsed>ABC MORT CO</unparsed> </name> </subscriber> <portfolioType>mortgage</portfolioType> <accountNumber>3000126599999</accountNumber> <ECOADesignator>jointContractLiability</ECOADesignator> <dateOpened estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2019-01-01</dateOpened> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</dateEffective> <currentBalance>000008132</currentBalance> <highCredit>000124500</highCredit> <accountRating>02</accountRating> <terms> <paymentFrequency>monthly</paymentFrequency> <paymentScheduleMonthCount>360</paymentScheduleMonthCount> <scheduledMonthlyPayment>000001106</scheduledMonthlyPayment> </terms> <account> <type>CV</type> </account> <pastDue>000001139</pastDue> <paymentHistory> <paymentPattern> <startDate estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</startDate> <text>111111111111111111111112111</text> </paymentPattern> <historicalCounters> <monthsReviewedCount>27</monthsReviewedCount> <late30DaysTotal>01</late30DaysTotal> <late60DaysTotal>00</late60DaysTotal> <late90DaysTotal>00</late90DaysTotal> </historicalCounters> </paymentHistory> <mostRecentPayment> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</date> </mostRecentPayment> <updateMethod>automated</updateMethod> </trade> <trade>

<industryCode>BB</industryCode> <memberCode>064DB040</memberCode> <name> <unparsed>CITI</unparsed> </name> </subscriber> <portfolioType>revolving</portfolioType> <accountNumber>4100999912349999</accountNumber> <ECOADesignator>authorizedUser</ECOADesignator> <dateOpened estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2014-01-01</dateOpened> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</dateEffective> <datePaidOut estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</datePaidOut> <currentBalance>000000000</currentBalance> <highCredit>000005413</highCredit> <creditLimit>000020400</creditLimit> <accountRating>01</accountRating> <account> <type>FX</type> </account> <pastDue>000000000</pastDue> <paymentHistory> <paymentPattern> <startDate estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</startDate> <text>111111111111111111111111111111111111111111111111</text> </paymentPattern> <historicalCounters> <monthsReviewedCount>48</monthsReviewedCount> <late30DaysTotal>00</late30DaysTotal> <late60DaysTotal>00</late60DaysTotal> <late90DaysTotal>00</late90DaysTotal> </historicalCounters> </paymentHistory> <mostRecentPayment> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</date> </mostRecentPayment> <updateMethod>automated</updateMethod>

<industryCode>BC</industryCode> <memberCode>01DTV001</memberCode> <name> <unparsed>CAPITAL ONE</unparsed> </name> </subscriber> <portfolioType>revolving</portfolioType> <accountNumber>41479999999999999</accountNumber> <ECOADesignator>jointContractLiability</ECOADesignator> <dateOpened estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2000-01-01</dateOpened> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</dateEffective> <currentBalance>000006844</currentBalance> <highCredit>000029704</highCredit> <creditLimit>000036500</creditLimit> <accountRating>01</accountRating> <terms> <paymentScheduleMonthCount>MIN</paymentScheduleMonthCount> <scheduledMonthlyPayment>000000068</scheduledMonthlyPayment> </terms> <account> <type>FX</type> </account> <pastDue>000000000</pastDue> <paymentHistory> <paymentPattern> <startDate estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</startDate> <text>111111111111111111111111111111111111111111111111</text> </paymentPattern> <historicalCounters> <monthsReviewedCount>48</monthsReviewedCount> <late30DaysTotal>00</late30DaysTotal> <late60DaysTotal>00</late60DaysTotal> <late90DaysTotal>00</late90DaysTotal> </historicalCounters> </paymentHistory> <mostRecentPayment> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</date> </mostRecentPayment> <updateMethod>automated</updateMethod>

<subscriber> <industryCode>BC</industryCode> <memberCode>09616003</memberCode> <name> <unparsed>DISCOVERBANK</unparsed> </name> </subscriber> <portfolioType>revolving</portfolioType> <accountNumber>6011000099999999</accountNumber> <ECOADesignator>individual</ECOADesignator> <dateOpened estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2002-01-01</dateOpened> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</dateEffective> <currentBalance>000000337</currentBalance> <highCredit>000003827</highCredit> <creditLimit>000015000</creditLimit> <accountRating>01</accountRating> <terms> <paymentScheduleMonthCount>MIN</paymentScheduleMonthCount> <scheduledMonthlyPayment>000000035</scheduledMonthlyPayment> </terms> <account> <type>CC</type> </account> <pastDue>000000000</pastDue> <paymentHistory> <paymentPattern> <startDate estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</startDate> <text>111111111111111111111111111111111111111111111111</text> </paymentPattern> <historicalCounters> <monthsReviewedCount>48</monthsReviewedCount> <late30DaysTotal>00</late30DaysTotal> <late60DaysTotal>00</late60DaysTotal> <late90DaysTotal>00</late90DaysTotal> </historicalCounters> </paymentHistory> <mostRecentPayment> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</date>

</mostRecentPayment> <updateMethod>automated</updateMethod> </trade> <trade> <subscriber> <industryCode>BC</industryCode> <memberCode>06331059</memberCode> <name> <unparsed>BANKAMERICA</unparsed> </name> </subscriber> <portfolioType>revolving</portfolioType> <accountNumber>4313000099999999</accountNumber> <ECOADesignator>individual</ECOADesignator> <dateOpened estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2003-01-01</dateOpened> <dateEffective estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2012-01-01</dateEffective> <dateClosed estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2012-01-01</dateClosed> <closedIndicator>normal</closedIndicator> <currentBalance>000000000</currentBalance> <highCredit>000000000</highCredit> <accountRating>01</accountRating> <remark> <code>CBC</code> <type>affiliate</type> </remark> <account> <type>FX</type> </account> <pastDue>000000000</pastDue> <paymentHistory> <historicalCounters> <monthsReviewedCount>48</monthsReviewedCount> <late30DaysTotal>00</late30DaysTotal> <late60DaysTotal>00</late60DaysTotal> <late90DaysTotal>00</late90DaysTotal> </historicalCounters> </paymentHistory> <updateMethod>automated</updateMethod> </trade> <inquiry> <ECOADesignator>individual</ECOADesignator>

<industryCode>V</industryCode> <memberCode>07796294</memberCode> <inquirySubscriberPrefixCode>17NV</inquirySubscriberPrefixCode> <name> <unparsed>US GOVT</unparsed> </name> </subscriber> <accountType>EM</accountType> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2022-01-01</date> </inquiry> <inquiry> <ECOADesignator>individual</ECOADesignator> <subscriber> <industryCode>V</industryCode> <memberCode>07796294</memberCode> <inquirySubscriberPrefixCode>17NV</inquirySubscriberPrefixCode> <name> <unparsed>US GOVT</unparsed> </name> </subscriber> <accountType>EM</accountType> <date estimatedDay="false" estimatedMonth="false" estimatedCentury="false" estimatedYear="false">2021-01-01</date> </inquiry> </credit> </custom> </subjectRecord> </subject> </product> </creditBureau>

TRI-merge Response Report

1!!XXXXXXXXXXE01XXXXXXXXXXXXXXXX70A09

1 SEQNUM: XXXXXXXXXX CREDIT SUMMARY BATCH NO: 20

CASE NUMBER: XXXXXXXXXX E01 00 CASE TYPE: 70A CASE CATEGORY: 4

NM: TEST TESTSS TEST

SS: XXX-XX-XXXX

AD: 987 HARRIS RD RESIDENCE

BOYERS, PA 16018

AGE:

DOB: 01/01/1980

SP:

INV SCORING = HIT (0), NO HIT(1) = 0

INV SCORING = NUMBER OF UNRATED TRADES = 000

INV SCORING = NUMBER OF UNCLASSIFIED TRADES = 000

INV SCORING = NUMBER OF TOO NEW TO RATE TRADES = 000

INV SCORING = 01 NUMBER OF PAYING AS AGREED TRADES = 008

INV SCORING = 02 NUMBER OF WORST RATING EVER 30-59 DAYS = 001

INV SCORING = 03 NUMBER OF WORST RATING EVER 60-89 DAYS = 002

INV SCORING = NUMBER OF WORST RATING EVER 90-119 DAYS = 000

INV SCORING = NUMBER OF WORST RATING EVER 120 DAYS = 000

INV SCORING = 06 NUMBER OF PAID DEROG P/R OR TRADES = 001

INV SCORING = NUMBER OF CH 13 OR R7 RATING = 000

INV SCORING = NUMBER OF REPOSSESSIONS NOT PD = 000

INV SCORING = 09 NUMBER OF DEROG P/R, R9, COLL NOT PD = 003

INV SCORING = NUMBER OF MANUALS = 000

INV SCORING = NUMBER OF TRADES = 011

INV SCORING = NUMBER OF INQUIRIES = 002

INV SCORING = TOTAL CURRENT BALANCE = 10408

INV SCORING = BAL OF TR W/MAX DQ < 60 DAYS = 282

CHAPTER 13: NONE

HIGHEST RATING OF 09 IS SHOWN ON 003 TRADE(S)

PUBLIC RECORD INFORMATION: NONE

INV SCORING: 09

* Inquiries are treated as soft inquiries, further showing the inquiries are for employment purposes only and not for credit issuing purposes.

1 **** INV SCORE: 09 ***** CREDIT REPORT ** FULL DATA REPORT ***

** CASE CATEGORY: 4 *** ************************

***********************| TEST TESTSS TEST |************************

CUSTOMER: | 987 HARRIS RD | ACCESS TIME: 00:44

FILE SINCE: 11/09 | BOYERS, PA 16018 | ACCESS DATE: XX/XX/XX

LAST ACTIV: XX/XX | SOC-SEC: XXX-XX-XXXX |

REPORTS COMBINED: 3 | XXXXXXXXXX E01 70A |

TEST TESTSS TEST *** BUREAU NAME AND ADDRESS *** PAGE 1

EXPERIAN EXP

701 EXPERIAN PARKWAY

ALLEN, TX 75013

888 397-3742

TRANSUNION CONSUMER RELATIONS DEPT. T/U

555 WEST ADAMS

CHICAGO, IL 60661

800 888-4213

EQUIFAX INFORMATION SERVICES LLC. EFX

P O BOX 740241

ATLANTA, GA 303740241

800 685-1111

0 ------------------------------------------------------------------------------

TEST TESTSS TEST *** SUBJECT INFORMATION *** PAGE 2

NM: TEST TEST SS: 666-57-0001 EFX,T/U

NM: TEST SS: 666-57-0001 T/U

NM: TEST TESS SS: -- EXP

ADDR: 1 MAIN ST AVEN, PA 16018 REPT: 11/2020 EXP

ADDR: 123 MAIN ST DETROIT, MI 48200 REPT: 07/2021 EFX

ADDR: 123 NW MAIN ST APT 1204 DETROIT, MI 48200 REPT: 06/2020 T/U

ADDR: 2 MAIN ST RENO, NV 89502 REPT: 06/2020 EXP

ADDR: 3 MAIN ST RENO, NV 89502 REPT: 09/2019 EXP

ADDR: 458 MAIN STREET, PA 16001 REPT: 01/2020 T/U

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** EMPLOYMENT SECTION *** PAGE 3

ACESE PRODUCTS

MONTHLY INCOME: $0 LEFT: REPT: 11/15 VERI: T/U

ACES PRODUCTS

MONTHLY INCOME: $0 LEFT: REPT: 04/06 VERI: T/U

ACES PRODUCTS

MONTHLY INCOME: $0 LEFT: REPT: 05/96 VERI: T/U

ACE

MONTHLY INCOME: $0 LEFT: REPT: 11/15 VERI: EXP

ACE PRODUCTS

ATLANTA, GA

MONTHLY INCOME: $0 LEFT: REPT: VERI: EFX

0 ------------------------------------------------------------------------------

TEST TESTSS TEST *** COLLECTIONS SECTION *** PAGE 4

1. 09 INV SCORE

CREDITOR: ALLY FINANCIAL DATE REPORTED: 05/21 EXP,T/U,EFX

ACCOUNT: 433672680252 DATE ASSIGNED: 11/15

AMOUNT: $24637 ACTIVITY DATE: 05/21

BALANCE: $9925 BALANCE DATE: 05/21

ORIG CREDITOR: MEMBER NO: 3635855

ECOA: JOINT CON STATUS: CLOSED

NARRATIVE 1-CURRENT ACCT - WAS 60 DAYS PAST DUE

NARRATIVE 2-ACCOUNT CHARGED TO PROFIT AND LOSS

NARRATIVE 3-PROFIT AND LOSS WRITEOFF

NARRATIVE 4-CHARGED OFF ACCOUNT

NARRATIVE 5-AUTO

200 RENAISSANCE CTR # B0 DETROIT MI 48243 PHONE: 8002004622 FAX:

2. 09 INV SCORE

CREDITOR: TAB SERVICES DATE REPORTED: 08/21 EXP

ACCOUNT: 3360410727 DATE ASSIGNED: 03/19

AMOUNT: $129 ACTIVITY DATE: 08/21

BALANCE: $129 BALANCE DATE: 08/21

ORIG CREDITOR: MEDICAL PAYMENT DATA MEMBER NO: 7677579

ECOA: INDIV ACC STATUS: CLOSED

NARRATIVE 1-PLACED FOR COLLECTION

2448 E 81ST ST STE 4700 TULSA OK 74137 PHONE: FAX:

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** COLLECTIONS SECTION *** PAGE 5

3. 09 INV SCORE

CREDITOR: TAB SERVICES DATE REPORTED: 08/21 EXP

ACCOUNT: 3352930528 DATE ASSIGNED: 12/18

AMOUNT: $72 ACTIVITY DATE: 08/21

BALANCE: $72 BALANCE DATE: 08/21

ORIG CREDITOR: MEDICAL PAYMENT DATA MEMBER NO: 7677579

ECOA: INDIV ACC STATUS: CLOSED

NARRATIVE 1-PLACED FOR COLLECTION

2448 E 81ST ST STE 4700 TULSA OK 74137 PHONE: FAX:

4. 06 INV SCORE

CREDITOR: MEDICAL DATE REPORTED: 07/21 EFX

ACCOUNT: 3344928215 DATE ASSIGNED: 02/16

AMOUNT: $137 ACTIVITY DATE: 03/15

BALANCE: $0 BALANCE DATE: 07/21

ORIG CREDITOR: MEMBER NO: 606YC12345

ECOA: INDIV ACC STATUS: PAID

NARRATIVE 1-MEDICAL

NARRATIVE 2-PAID COLLECTION

NUMBER OF COLLECTIONS: 4

0 ------------------------------------------------------------------------------

TEST TESTSS TEST *** TRADE SECTION *** PAGE 6

CREDITOR/SUBC/ DATE DATE DATE LAST PAST HIGH CREDIT

ACCOUNT#/KOB OPEN REPORT BAL ACT DUE BALANCE CREDIT LIMIT ECOA/ACCT

1. 03 INV SCORE

NATIONSTAR/MR 11/09 05/20 05/20 05/20 $0 $0 $137464 $137464 INDIV ACC

6609133 CURR MOP: PAYS AS AGREED MORTGAGE

472188434 MAX MOP: 60 DAYS PAST DUE T/U,EXP,EFX

FINANCE/PERSONAL PTRN: 04/20 111111111111/111111111111/111111111111

TERMS: 360M MTHS/REV: 061

DATE/RATE HIST: 05/16-3 12/15=3 30=01 60=02 90=00

LOAN TYPE: FHA REAL ESTATE MORTGAGE ACCT STATUS: CLOSED

CURRENT ACCOUNT - WAS 60 DAYS PAST DUE TWICE

CLOSED ACCOUNT

REAL ESTATE MORTGAGE

8950 CYPRESS WATERS BLVD COPPELL TX 75019 PHONE: 8884802432 FAX:

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** TRADE SECTION *** PAGE 7

CREDITOR/SUBC/ DATE DATE DATE LAST PAST HIGH CREDIT

ACCOUNT#/KOB OPEN REPORT BAL ACT DUE BALANCE CREDIT LIMIT ECOA/ACCT

2. 03 INV SCORE

PHH MORTGAGE S 11/09 02/15 02/15 02/15 $0 $0 $137464 $137464 INDIV ACC

4660988 CURR MOP: PAYS AS AGREED MORTGAGE

6198339956736 MAX MOP: 60 DAYS PAST DUE EXP,T/U,EFX

MORTGAGE COMPANIES PTRN: 02/15 X132X1111111/11111111X11X/1

TERMS: 360M MTHS/REV: 060

DATE/RATE HIST: 12/14-3 30=01 60=01 90=00

LOAN TYPE: FHA REAL ESTATE MORTGAGE ACCT STATUS: TRANSFERRED

CURRENT ACCOUNT

TRANSFERRED TO ANOTHER LENDER

REAL ESTATE MORTGAGE

TRANSFERRED OR SOLD

1 MORTGAGE WAY MOUNT LAUREL NJ 08054 PHONE: 8004498767 FAX:

3. 02 INV SCORE

TTCU FEDERAL C 01/14 01/21 01/21 01/21 $0 $0 $28552 $28552 JOINT CON

2885296 CURR MOP: PAYS AS AGREED INSTALLMT

773588L3000 MAX MOP: 30 DAYS PAST DUE T/U,EXP,EFX

FINANCE OTHER THAN PERSO PTRN: 12/20 111111111111/111111111111/111111111111

TERMS: 84M MTHS/REV: 083

DATE/RATE HIST: 01/16-2 30=01 60=00 90=00

LOAN TYPE: AUTO LOAN ACCT STATUS: CLOSED

CURRENT ACCOUNT - WAS 30 DAYS PAST DUE

CLOSED ACCOUNT

AUTO

FIXED RATE

9815 E 81ST ST TULSA OK 74133 PHONE: 9187439861 FAX:

4. 01 INV SCORE

CAPITAL ONE BA 11/20 08/21 08/21 08/21 $0 $240 $396 $1800 INDIV ACC

3780794 CURR MOP: PAYS AS AGREED REV

1312088920811316 MAX MOP: PAYS AS AGREED EXP,T/U,EFX

BANK CREDIT CARDS PTRN: 08/21 111111111

TERMS: REV$28/MO MTHS/REV: 009

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: CREDIT CARD ACCT STATUS: OPEN

CURRENT ACCOUNT

CREDIT CARD

PO BOX 31293 SALT LAKE CITY UT 84131 PHONE: 8009557070 FAX:

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** TRADE SECTION *** PAGE 8

CREDITOR/SUBC/ DATE DATE DATE LAST PAST HIGH CREDIT

ACCOUNT#/KOB OPEN REPORT BAL ACT DUE BALANCE CREDIT LIMIT ECOA/ACCT

5. 01 INV SCORE

SYNCB/VENMO 05/21 08/21 08/21 08/21 $0 $42 $229 $6000 INDIV ACC

3634858 CURR MOP: PAYS AS AGREED REV

9005663001053125 MAX MOP: PAYS AS AGREED EXP,T/U,EFX

BANK CREDIT CARDS PTRN: 08/21 1111

TERMS: REV$29/MO MTHS/REV: 004

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: CREDIT CARD ACCT STATUS: OPEN

CURRENT ACCOUNT

CREDIT CARD

PO BOX 965015 ORLANDO FL 32896 PHONE: 8558786462 FAX:

6. 01 INV SCORE

CAPITAL ONE BA 06/17 07/19 07/19 07/19 $0 $0 $1500 $1500 INDIV ACC

3780794 CURR MOP: PAYS AS AGREED REV

1385015987647694 MAX MOP: PAYS AS AGREED EXP,T/U,EFX

BANK CREDIT CARDS PTRN: 07/19 X11111111111/111111111111/1

TERMS: REVOLVING MTHS/REV: 025

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: CREDIT CARD ACCT STATUS: PAID

CURRENT ACCOUNT

ACCOUNT CLOSED BY CONSUMER

CLOSED OR PAID ACCOUNT/ZERO BALANCE

PO BOX 31293 SALT LAKE CITY UT 84131 PHONE: 8009557070 FAX:

7. 01 INV SCORE

CAPITAL ONE BA 06/20 08/21 08/21 08/21 $0 $0 $49 $300 INDIV ACC

3780794 CURR MOP: PAYS AS AGREED REV

1385016975794707 MAX MOP: PAYS AS AGREED EXP,T/U,EFX

BANK CREDIT CARDS PTRN: 08/21 111111111111/11

TERMS: REVOLVING MTHS/REV: 014

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: CREDIT CARD ACCT STATUS: OPEN

CREDIT CARD

PO BOX 31293 SALT LAKE CITY UT 84131 PHONE: 8009557070 FAX:

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** TRADE SECTION *** PAGE 9

CREDITOR/SUBC/ DATE DATE DATE LAST PAST HIGH CREDIT

ACCOUNT#/KOB OPEN REPORT BAL ACT DUE BALANCE CREDIT LIMIT ECOA/ACCT

8. 01 INV SCORE

CARMEL FINCL 01/07 05/13 03/13 $0 $0 $4980 $5500 JOINT PAR

09512345 CURR MOP: PAYS AS AGREED REV

4276770005 MAX MOP: PAYS AS AGREED T/U

FINANCE/PERSONAL PTRN: 04/13 111111111111/111111111111/111111111111

TERMS: REVOLVING MTHS/REV: 048

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: CHARGE ACCOUNT ACCT STATUS: TRANSFERRED

TRANSFERRED TO ANOTHER LENDER

9. 01 INV SCORE

CONNEXUS CU 11/06 05/15 05/15 $0 $0 $4991 $0 JOINT CON

02012345 CURR MOP: PAYS AS AGREED INSTALLMT

X276770005 MAX MOP: PAYS AS AGREED T/U

FINANCE OTHER THAN PERSO PTRN: 04/15 111111111111/1X111X1

TERMS: 26M MTHS/REV: 019

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: INSTALLMENT SALES CONTRACT ACCT STATUS: CLOSED

CLOSED ACCOUNT

10. 01 INV SCORE

EDC/GREYSTAR 07/19 11/20 11/20 11/20 $0 $0 $1579 $1579 INDIV ACC

3603780 CURR MOP: PAYS AS AGREED INSTALLMT

3499Y7Y2326265 MAX MOP: PAYS AS AGREED EXP,T/U

PROPERTY MANAGEMENT COMP PTRN: 11/20 X11111111111/11111

TERMS: 12M MTHS/REV: 017

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: RENTAL AGREEMENT ACCT STATUS: PAID

600 EAST LAS COLINA BLV IRVING TX 75039 PHONE: 4694252196 FAX:

11. 01 INV SCORE

SYNCB/AMAZON 10/20 07/21 07/21 07/21 $0 $0 $842 $2100 INDIV ACC

3009469 CURR MOP: PAYS AS AGREED REV

4091853343534281 MAX MOP: PAYS AS AGREED EXP,T/U,EFX

VARIETY STORES PTRN: 07/21 1111111111

TERMS: REVOLVING MTHS/REV: 010

DATE/RATE HIST: 30=00 60=00 90=00

LOAN TYPE: REVOLVING CHARGE ACCOUNT ACCT STATUS: OPEN

CURRENT ACCOUNT

CHARGE

PO BOX 965015 ORLANDO FL 32896 PHONE: 8666348379 FAX:

1 ------------------------------------------------------------------------------

TEST TESTSS TEST *** TRADE SECTION *** PAGE 10

CREDITOR/SUBC/ DATE DATE DATE LAST PAST HIGH CREDIT

ACCOUNT#/KOB OPEN REPORT BAL ACT DUE BALANCE CREDIT LIMIT ECOA/ACCT

NUMBER OF TRADES: 11 $0 $282 $318046 $322259

TEST TESTSS TEST *** INQUIRY SECTION *** PAGE 11

SUBSCRIBER NAME KOB NO. DATE SUBSCRIBER NAME KOB NO. DATE

XXXXXX B 12345678 08/26/2021 EBI, INC. E 12345678 06/29/2021

NUMBER OF INQUIRIES: 2

0 ------------------------------------------------------------------------------

TEST TESTSS TEST *** CONSUMER STATEMENT SECTION *** PAGE 12

TEST TESTSS TEST *** GENERAL MESSAGE SECTION *** PAGE 13

T/U: FACTA ADDRESS DISCREPANCY FACTA ADDRESS MISMATCH ALERT, PREVIOUS

ADDRESS INPUT DOES NOT MATCH FILE

THE DATA CONTAINED HEREIN IS THE MOST ACCURATE AND COMPLETE AVAILABLE AS

OF THE DATE/TIME IT WAS ACCESSED.

END OF CREDIT REPORT FOR TEST TESTSS TEST