Personal Credit Report for:

MICHELLE KLINSKY

File Number:
457187768

Date Created:
02/02/2025

Visit transunion.com/dispute to start a dispute online.

If you are experiencing a financial hardship related to a public health emergency or your personal circumstances, you can add
a consumer statement to your credit file to explain your situation by visiting us at www.transunion.com/credit-help .

 Personal Information

You have been on our files since 04/01/2002. Your SSN has been masked for your protection.

Credit Report Date

02/02/2025

Social Security Number

XXX-XX-9091

Date of Birth

08/19/1982

Name

MICHELLE C. KLINSKY

Also Known As

AKA

MICHELLE KLINSKY VEYETTE

AKA

MICHELLE C. KLINSKY VEYETTE

AKA

MICHELLE C. KLINSKYVEYETTE

Addresses
 Current Address

6731 CALUMET AVE HAMMOND, IN 46324-1647

Date Reported

12/03/2013

Other Address

6805 HOHMAN AVE HAMMOND, IN 46324-1409

Date Reported

05/20/2006

Other Address

6609 VAN BUREN AVE HAMMOND, IN 46324-1532

Date Reported

03/01/2002

Phone Numbers

Phone Number

(219) 688-8263

Phone Number

(708) 370-0270

Phone Number

(219) 852-1719

 Accounts

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed
below may not reflect the most recent activity until the creditor's next reporting. This information may include things such as
balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand some of the account
information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently
paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of
the account.

 TransUnion is now including some Buy Now, Pay Later (BNPL) installment loans, also known as a "point-of-sale installment
loans" on credit reports. At this time, BNPL information provided to TransUnion is visible to you, but scoring providers,
lenders, insurers or other authorized companies that may access your credit report will not be able to use this data. As a
result, it will not affect credit decisions or credit scores calculated using TransUnion data. In the future, Buy Now, Pay
Later may be factored in to credit scores and credit decisions (for example, account opening or account review decisions).
Visit our FAQs  to learn more.

Payment/Remarks Key

Ratings
OK Current, paying or paid as agreed

N/R Not Reported

X Unknown

30 Account 30 days late

60 Account 60 days late

90 Account 90 days late

120 Account 120 or more days late

COL Transferred to collection

VS Voluntarily surrendered

RPO Repossession

C/O Charged off by account provider

FC Foreclosure

Remarks

AAP: Loan assumed by another party

ACQ: Acquired from another lender
ACR: Account closed due to refinance
ACT: Account closed due to transfer
AFR: Account acquired by RTC/FDIC
AID: Account information disputed by consumer
AJP: Adjustment pending
AMD: Active military duty
AND: Affected by natural disaster
BAL: Balloon payment
BKL: Included in bankruptcy
BKW: Bankruptcy withdrawn
CAD: Dispute account/closed by consumer
CBC: Account closed by consumer
CBD: Dispute resolved/consumer disagrees/closed by consumer
CBG: Canceled by credit grantor
CBL: Chapter 7 bankruptcy
CBR: Chapter 11 bankruptcy
CBT: Chapter 12 bankruptcy
CLA: Placed for collection
CLO: Closed
CLS: Credit line suspended
CRB: Collateral released—balance owing
CTR: Account closed—transfer to refinance
CTS: Contact subscriber
DDR: -none-
DLU: Deed in lieu
DM: Bankruptcy dismissed
DRC: Dispute resolved/consumer disagrees
DRG: Dispute resolved reported by credit grantor
ER: Election of remedy
ETB: Early termination/balance owing
ETI: Early termination by default
ETO: Early termination/obligation settled
ETS: Early termination/status pending
FCL: Foreclosure
FPD: Account paid, foreclosure started
FPI: Foreclosure initiated
FRD: Foreclosure collateral sold
FTB: Full termination/balance owing
FTO: Full termination/obligation satisfied
FTS: Full termination/status pending
INA: Inactive account
INP: Debt being paid through insurance
INS: Paid by insurance
IRB: Involuntary repossession/balance owing
IRE: Involuntary repossession
IRO: Involuntary repossession/obligation satisfied
JUG: Judgment granted
LA: Lease assumption
LMN: Loan Modified Not GOVT (government)
LNA: Credit line is no longer available
MCC: Managed by credit counseling service
MOV: No forwarding address
NIR: Student loan not in repayment
NPA: Now paying
PAL: Purchase by another lender
PCL: Paid collection
PDD: Paid by dealer
PDE: Payment deferred
PDI: Principle deferred/initial payment only
PFC: Account paid from collateral
PLL: Prepaid lease
PLP: Profit and loss now paying
PNR: First payment never received
PPA: Paying partial payment agreement
 PPD: Paid by co-maker
PPL: Paid profit and loss
PRD: Payroll deduction
PRL: Profit and loss write-off
PWG: Account payment, wage garnish
REA: Reaffirmation of debt
REP: Substitute/replacement account
RFN: Refinanced
RPD: Paid repossession
RPO: Repossession
RRE: Repossession redeemed
RVN: Returned voluntarily
RVR: Returned voluntarily/redeemed
SET: Settled—less than full balance
SGL: Government secured guaranteed
SIL: Simple interest loan
SLP: Student loan perm assign government
SPL: Single payment loan
STL: Credit card lost/stolen
TRF: Transfer
TRL: Transferred to another lender
TTR: Transferred to recovery
WEP: Chapter 13 bankruptcy
For account information other than payment history, we may show brackets > < to indicate information that may
negatively affect your credit health.

Accounts with Adverse Information

Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you
understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection,
your account numbers have been partially masked, and in some cases scrambled.

Account Name

POSSIBLE FINANCIAL 3CXGHX376PAOE3Y3WIKNS****

Account Information

Address PO Box 98686 Las Vegas, NV 89193

Phone (206) 202-5115

Monthly Payment $0
Date Opened 07/24/2024

Responsibility Individual Account

Account Type Installment Account

Loan Type UNSECURED

Balance $14

Date Updated 01/31/2025

Payment Received $0

Last Payment Made 08/30/2024

Pay Status >Charge-off<

Terms $0 per month, paid Bi-weekly for 2 months

Date Closed 12/31/2024

High Balance (Hist.) High balance of $50 from 07/2024 to 01/2025

Estimated month and year this item will be removed 09/2031

Payment History
 July 2024 August 2024 September 2024 October 2024 November 2024 December 2024

Balance Balance Balance Balance Balance Balance

$57 $28 $14 $14 $14 $14

Past Due Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $14 $14 $14

Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$0 $28 $0 $0 $0 $0

Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$31 $31 $31 $31 $31 $0

Remarks Remarks Remarks Remarks Remarks Remarks

--- --- PRL< > --- PRL<

Rating Rating Rating Rating Rating Rating

OK OK OK 30 60 C/O

January 2025

Balance
$14

Past Due
$14

Amount Paid
$0

Scheduled Payment
$0

Remarks
>

Rating
C/O

Total Mont

Inquiries

Regular Inquiries
Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry
means that the company listed received your credit information on the dates specified. These inquiries will remain on your
credit file for up to 2 years.
 Name

CAPITAL ONE

Location Requested On Phone

15000 CAPITAL ONE 08/09/2024 (800) 955-7070
RICHMOND, VA 23238

Inquiry Type
Individual

US BANK

Location Requested On Phone

200 SOUTH 6TH STREET 08/08/2024 (844) 624-8230
MINNEAPOLIS, MN 55402

Inquiry Type
Individual

REPUBLIC BANKNETCREDIT

Location Requested On Phone

175 W. JACKSON BLVD 07/30/2024 (877) 392-2014
STE 1000
CHICAGO, IL 60604

Inquiry Type Permissible Purpose

Individual WRITTEN AUTHORIZATION

Account Review Inquiries

The listing of a company's inquiry in this section means that they obtained information from your credit file in connection with
an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used
in scoring your credit file (except insurance companies may have access to other insurance company inquiries, certain
collection companies may have access to other collection company inquiries, and users of a report for employment purposes
may have access to other employment inquiries, where permitted by law).

Name

TRANSUNION CONSUMER INTE

Location Requested On Phone

760 MARKET STREET 10TH FLOOR 01/22/2025 (844) 580-6816
SAN FRANCISCO, CA 94102

TRANSUNION CONSUMER INTE

Location Requested On Phone

100 CROSS STREET 01/10/2025 (805) 782-8282
SAN LUIS OBISP, CA 93401

MICHELLE KLINSKY via TRANSUNION INTERACTIVE IN

Location Requested On Phone
100 CROSS ST 02/02/2025, 02/02/2025 (855) 681-3196
STE 202
SAN LUIS OBISPO, CA 93401

TU INTERACTIVE

Location Requested On Phone

100 CROSS ST 02/02/2025 (844) 580-6816
202
SAN LUIS OBISPO, CA 93401

MICHELLE KLINSKY via TRANSUNION INTERACTIVE

Location Requested On Phone

100 CROSS STREET 202 01/29/2025 (844) 580-6816
SAN LUIS OBISPO, CA 93401

MICHELLE KLINSKY VEY via KARMATRANSUNION INTERACT

Location Requested On Phone

100 CROSS STREET 10/02/2024 (844) 580-6816
SAN LUIS OBISPO, CA 93401

CREDIT KARMA via TUCI CREDIT KARMA TUNA

Location Requested On Phone

100 CROSS STREET 08/30/2024, 07/30/2024, (844) 580-6816
SUITE 101 06/09/2024
SAN LUIS OBISPO, CA 93401

MONEVO INC

Location Requested On Phone

8910 UNIVERSITY CNTR LANE 08/21/2024, 08/13/2024, 08/11/2024, (619) 330-7083
SAN DIEGO, CA 92122 08/08/2024, 07/30/2024,
07/28/2024, 07/27/2024

MLENTERPRISESDBAENGINEBYM

Location Requested On Phone

30 WEST 21ST STREET 08/09/2024, 07/27/2024 (800) 410-1488
FLOOR 10
NEW YORK, NY 10010

BANKRATE LLC

Location Requested On Phone

1101 RED VENTURES DR 08/09/2024 (704) 971-2300
FORT MILL, SC 29707

CAPITAL ONE
Location Requested On Phone
PO BOX 30281 08/09/2024 (800) 955-7070
SALT LAKE CITY, UT 84130

TAB BANKNETCREDIT

Location Requested On Phone

175 W. JACKSON BLVD 08/09/2024 (877) 392-2014
STE 1000
CHICAGO, IL 60604

US BANK

Location Requested On Phone

P.O. BOX 3447 08/08/2024 (844) 624-8230
OSHKOSH, WI 54903

US BANK

Location Requested On Phone

P.O. BOX 3447 08/08/2024 (844) 624-8230
OSHKOSH, WI 54903

UPGRADE

Location Requested On Phone

275 BATTERY ST SUITE 2300 08/08/2024 (855) 997-3100
SAN FRANCISCO, CA 94111

LENDING CLUB BANK

Location Requested On Phone

595 MARKET ST 08/08/2024 Phone number not available
SUITE 200
SAN FRANCISCO, CA 94105

HAPPY MONEY INC

Location Requested On Phone

1700 FLIGHT WAY 3RD FLOOR 07/30/2024 (800) 878-0900
TUSTIN, CA 92782

REPUBLIC BANKNETCREDIT

Location Requested On Phone

175 W. JACKSON BLVD 07/30/2024 (877) 392-2014
STE 1000
CHICAGO, IL 60604

WEBBANKAVANT LLC
 Location Requested On Phone
222 N LASALLE ST 07/30/2024 (800) 712-5407
SUITE 1600
CHICAGO, IL 60601

FTSPEEDY SERVICING INC

Location Requested On Phone

SPEEDY SERVICING INC 07/30/2024 (855) 222-0801
P O BOX 3512
CHAMPLAIN, NY 12919

CONSUMERINFO.COM

Location Requested On Phone

475 ANTON BLVD 07/27/2024 (888) 397-3742
COSTA MESA, CA 92626

UPSTART NETWORK INC

Location Requested On Phone

2 CIRCLE STAR WAY 07/27/2024 (650) 204-1000
2ND FLOOR
SAN CARLOS, CA 94070

FTPOSSIBLEFINANCE

Location Requested On Phone

500 YALE AVE N 07/23/2024 (206) 202-5115
SEATTLE, WA 98109

REPUBLIC BANKNETCREDIT

Location Requested On Phone

175 W. JACKSON BLVD 07/23/2024 (877) 392-2014
STE 1000
CHICAGO, IL 60604

 Additional Information

The following disclosure of information might pertain to you. The additional information may include Special Messages, Office
of Foreign Assets Control ("OFAC") Potential Matches, Inquiry Analysis, Military Lending Act ("MLA") Covered Borrower
Information, Third Party Supplemental Information and/or Consumer Contributed Financial Information. Authorized parties
may also receive the additional information below from TransUnion.

Third Party Supplemental Information

In addition to the information maintained in the above credit report, TransUnion will occasionally contact a third party for
supplemental information in connection with a particular transaction in response to a request from a particular customer.
Listed below is the supplemental data that TransUnion obtained from such third parties, as well as the name(s) of the
TransUnion customer for whom it was obtained.
Checking Account and Demand Deposit Account (DDA) Activity

Data Source:

Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)

Requested by: Requested on:

TRANSUNION CONSUMER INTE 01/04/2025

Number of Accounts Consumer is Identified On: Bank Account Closures Identified as Fraudulent:
0 0

Paid Checks in the Last 3 Years: Open (Unpaid) Checks in the Last 3 Years:
0 0

Checks Ordered in the Last Month: Checks Ordered in the Last 2 Months:
0 0

Checks Ordered in the Last 3 Months: Checks Ordered in the Last 6 Months:
0 0

Check Orders in the Last Year: Check Orders in the Last 2 Years:
0 0

Check Orders in the Last 3 Years: Quantity of Checks Ordered in the Last 3 Years:
0 0

Average Checks Ordered in the Last 3 Years: Smallest Number of Checks Ordered:
.00000 0

Largest Number of Checks Ordered: Checking Account Closures in the Last Month:
0 0

Checking Account Closures in the Last 2 Months: Checking Account Closures in the Last 3 Months:
0 0

Checking Account Closures in the Last Year: Checking Account Closures in the Last 2 Years:
0 0

Checking Account Closures in the Last 3 Years: DDA Closures in Last 180 Days:
0 0

DDA Closure in Last 5 Years: Paid DDA Closures in Last 5 Years:

0 0

Unpaid DDA Closures in Last 2 Years: Unpaid DDA Closures in Last 5 Years:
0 0

Unpaid DDA Closures in Last 4 Years: Checking Account Inquiries in the Last Month:
$000000000.00 1

Checking Account Inquiries in the Last 2 Months: Checking Account Inquiries in the Last 3 Months:
1 1

Checking Account Inquiries in the Last 6 Months: Checking Account Inquiries in the Last Year:
1 1

Checking Account Inquiries in the Last 2 Years: DDA Inquiries in the Last 3 Years:
1 1
Total Days Since First Checking Account Inquiry: Days Since Most Recent DDA Inquiry:
19 19

Credit Inquiries in the Last Year: Credit Inquiries in the Last 3 Years:
4 4

Auto Inquiries in the Last 3 Years: Credit Issuance Inquiries in the Last Year:
0 1

Credit Issuance Inquiries in the Last 3 Years: Payday Inquiries in the Last 3 Years:
1 1

Utility Inquiries in the Last 3 Years: Other Credit Inquiries in the Last 2 years:
0 2

Other Credit Inquiries in the Last 3 Years: Days Since First Credit Issuance Inquiry:
2 147

Days Since Most Recent Inquiry by Payday Lender: DDA & Credit/Non-DDA Inquiries in Last 3 Years:
147 5

Open (Unpaid) NSFs in the Last Month: Open (Unpaid) NSFs in the Last 2 Months:
0 0

Open (Unpaid) NSFs in the Last 3 Months: Open (Unpaid) NSFs in the Last 6 Months:
0 0

Open (Unpaid) NSFs in the Last Year: Open (Unpaid) NSFs in the Last 2 Years:
0 0

Open (Unpaid) NSFs in the Last Month: Open (Unpaid) NSFs in the Last 2 Months:
$000000000.00 $000000000.00

Open (Unpaid) NSFs in the Last 3 Months: Open (Unpaid) NSFs in the Last 6 Months:
$000000000.00 $000000000.00

Open (Unpaid) NSFs in the Last Year: Open (Unpaid) NSFs in the Last 2 Years:
$000000000.00 $000000000.00

Open (Unpaid) NSFs in the Last 3 Years: Paid NSFs in the Last Month:
$000000000.00 0

Paid NSFs in the Last 2 Months: Paid NSFs in the Last 3 Months:
0 0

Paid NSFs in the Last 6 Months: Paid NSFs in the Last Year:
0 0

Paid NSFs in the Last 2 Years: Paid NSFs in the Last Month:
0 $000000000.00

Paid NSFs in the Last 2 Months: Total Paid NSFs in the Last 3 Months:
$000000000.00 $000000000.00

Total Paid NSFs in the Last 6 Months: Total Paid NSFs in the Last Year:
$000000000.00 $000000000.00
 Total Paid NSFs in the Last 2 Years: Total Paid NSFs in the Last 3 Years:
$000000000.00 $000000000.00

Largest Opened (Unpaid) NSF Check: Largest Paid NSF Check:

$000000000.00 $000000000.00

Should you wish to contact TransUnion, you may do so,

Online:

To report an inaccuracy, please visit: service.transunion.com 

For answers to general questions, please visit: www.transunion.com 

By Mail:

TransUnion Consumer Relations

P.O. Box 2000
Chester, PA 19016-2000

By Phone:

(800) 916-8800

You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on
major holidays.

For all correspondence, please have your TransUnion file number available (located at the top of this report).

SUMMARY OF RIGHTS

GENERAL SUMMARY OF RIGHTS UNDER THE FCRA

Para informacion en espanol, visite www.consumerfinance.gov/learnmore  o escribe a la Consumer Financial Protection

Bureau, 1700 G Street NW. Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

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: Consumer Financial Protection Bureau, 1700 G Street NW, 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
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.

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 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.

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 form 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).

The following FCRA right applies with respect to nationwide consumer reporting agencies:

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.
To place a security freeze, a consumer reporting agency will require you to provide appropriate proof of your identity, which
may include your Social Security Number. You may place a security freeze on your credit report by contacting each of the
three nationwide credit reporting agencies.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289; www.transunion.com 

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.
You may also have the right to file suit under state law.

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:

a. Consumer Financial
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their Protection Bureau
affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade
Commission
Consumer Response
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in Center
addition to the CFPB: 600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357
a. Office of the
Comptroller of the
2. To the extent not included in item 1 above: Currency
a. National banks, federal savings associations, and federal branches and federal agencies of Customer Assistance
foreign banks Group
P.O. Box 53570
Houston, TX 77052

b. State member banks, branches and agencies of foreign banks (other than federal branches, b. Federal Reserve
federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies Consumer Help Center
owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the P.O. Box 1200
Federal Reserve Act. Minneapolis, MN 55480
 c. Division of Depositor
and
Consumer Protection
National Center for
Consumer
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state and Depositor Assistance
savings associations Federal Deposit
Insurance
Corporation
1100 Walnut Street, Box
#11
Kansas City, MO 64106
d. National Credit Union
Administration
Office of Consumer
d. Federal Credit Unions
Financial Protection
1775 Duke Street
Alexandria, VA 22314
Asst. General Counsel for
Office of Aviation
Protection
Department of
3. Air carriers
Transportation
1200 New Jersey Avenue,
S.E.
Washington, DC 20590
Office of Public
Assistance,
Governmental Affairs,
and
4. Creditors Subject to the Surface Transportation Board
Compliance Surface
Transportation Board
395 E Street, S.W.
Washington, DC 20423
Nearest Packers and
5. Creditors Subject to the Packers and Stockyards Act, 1921 Stockyards Division
Regional Office
Associate Administrator,
Office of Capital Access
United States Small
6. Small Business Investment Companies Business Administration
409 Third Street, S.W.,
Suite 8200
Washington, DC 20416
Securities and Exchange
Commission
7. Brokers and Dealers
100 F Street, N.E.
Washington, DC 20549
Farm Credit
Administration
8. Institutions that are members of the Farm Credit System
1501 Farm Credit Drive
McLean, VA 22102-5090
 Federal Trade
Commission
Consumer Response
Center
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
600 Pennsylvania
Avenue, N.W.
Washington, DC 20580
(877) 382-4357

FRAUD VICTIM RIGHTS

SUMMARY OF RIGHTS UNDER THE FCRA OF VICTIMS OF IDENTITY THEFT

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

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim of
identity theft. Identity theft occurs when someone uses your name, Social Security Number, date of birth, or other identifying
information, without authority, to commit fraud. For example, someone may have committed identity theft by using your
personal information to open a credit card account or get a loan in your name. For more information, visit
www.consumerfinance.gov/learnmore  or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington,
DC 20552.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe you that you are, a victim of identity
theft. Here is a brief summary of the rights designed to help you recover from identity theft.

1. You have the 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.

2. 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.

To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your
identity, which may include your Social Security Number. If you ask for an extended alert, you will have to provide an
identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law
 enforcement agency, and additional information a consumer reporting agency may require you to submit. For more
detailed information about the identity theft report, visit www.consumerfinance.gov/learnmore .

You may place a fraud alert in your file by calling just one of the three nationwide credit reporting agencies. As soon as
that agency processes your alert, it will notify the other two, which then must also place fraud alerts in your file.

Equifax: 1-800-525-6285; www.equifax.com 

Experian: 1-888-397-3742; www.experian.com 

TransUnion: 1-800-680-7289;www.transunion.com 

3. You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles
you to a copy of all information in your file at each of the three nationwide agencies, and an extended alert entitles you
to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help
you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether
someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in
your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity
theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See
www.consumerfinance.gov/learnmore 

4. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your
personal information. A creditor or other business must give you copies of applications and other business records
relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A
business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also
may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you
with these documents. See www.consumerfinance.gov/learnmore .

5. You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with
certain information about the debt you believe was incurred in your name by an identity thief – like the name of the
creditor and the amount of the debt.

6. If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting
agency block that information from your file. An identity thief may run up bills in your name and not pay them.
Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting
agency to block the reporting of this information, you must identify the information to block, and provide the consumer
reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency
can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation or where
the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds
the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with
notice of the block may not sell, transfer or place the debt for collection.

7. You may also prevent businesses from reporting information about you to consumer reporting agencies if you believe
the information is a result of identity theft. To do so, you must send your request to the address specified by the
business that reports the information to the consumer reporting agency. The business will expect you to identify what
information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore , or
write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information,
contact your local consumer protection agency or your state Attorney General.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many
other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore .