CONSUMER RELATIONS CENTRE IMPORTANT!

3115 Harvester Road, Suite 201 The information contained in this report is personal and
Burlington Ontario L7N 3N8 confidential, intended solely for the use of the individual
Toll free: 1-800-663-9980 named. No other viewing or use is permitted or legal

www.transunion.ca

DAN ZHANG
406-2511 17 ST SW,
CALGARY AB
T2T 4M9
TU Case ID V3808047
This information is designed to answer the most frequently asked questions of 5. WHAT IS A CREDIT SCORE?
personal credit reports. If, after reading the answers to these questions, you A credit score is an unbiased value that is used by creditors to predict the credit
believe changes should be made to your report, please make specific notations risk of those applying for credit. It is a score that takes into account all
of these changes on the attached Investigation request form. We will verify the information on your credit file and assigns an objective numerical value that
items indicated within approximately 30 days and will update your file to represents the risk of granting you credit. TransUnion provides the information
reflect, where appropriate, the new information received. You will be notified to create this score value.
with the results of our findings immediately after our investigation is completed.
Please note that we must contact the source of the disputed information before 6. DOES THE CREDIT REPORTING AGENCY DECIDE WHETHER I
any changes to your file can be made. We strongly suggest that you do not apply SHOULD BE GRANTED CREDIT?
for credit during the time an item on your file is being investigated. If, following No! In each case the credit grantor, based on its own requirements for extending
our investigation, we delete, amend or correct any information in the credit file, credit, makes the decision to grant, or decline the request for credit.
we will, as required by law, send notice to parties whom a report containing the TransUnion is not involved in this determination. Credit grantors extend credit
inaccurate information was given. If the investigation does not resolve your based upon their own policies and standards utilizing the information
dispute, you may choose to have a statement added to your file. Your statement TransUnion provides. These standards can vary from one creditor to another.
will be placed directly on your credit file and will provide credit grantors with
access to your explanation. A statement can be a maximum of 100 words within 7. WHO HAS ACCESS TO MY FILE?
Canada. Exception: 200 words within Saskatchewan. Your credit information can only be accessed by those agencies you give
consent to. A company must have a legitimate and permissible purpose for
1. WHAT IS A CREDIT REPORTING AGENCY? accessing your file such as: the extension of credit, employment, tenancy,
Credit reporting agencies help facilitate the process of granting consumers credit insurance or collection of debt.
in a timely manner. TransUnion collects and stores factual information about
your credit and financial history. Credit grantors provide credit reporting 8. WHEN DOES NEGATIVE INFORMATION COME OFF MY FILE?
agencies with factual information on how the credit grantors' customers pay It is TransUnion's policy to record all information for the maximum time
their bills. The credit reporting agency then assembles this information that is allowed by credit reporting legislation. For example, first-time bankruptcy
collected from each credit grantor and the credit reporting agency creates a information reports for 6 to 7 years from discharge date, depending on the
"credit file" based on this consolidated information. province. We encourage you to check your provincial legislation for full details
on the reporting periods for negative information.
2. HOW DID I BECOME PART OF TRANSUNION'S FILES?
Normally your first credit application, which results in a request for a credit 9. WHY IS A LOAN OR ACCOUNT I HAVE PAID OFF STILL IN MY
report, causes the creation of your credit record in our files. Once a record is CREDIT HISTORY?
established, credit information, such as payment history, supplied by your Your credit file is a record of how you have paid your past obligations.
creditors enables your file to be updated automatically. Therefore, information of paid accounts and the manner in which those
accounts were handled is included in your credit file and provides potential
3. IS THIS MY ENTIRE CREDIT FILE? credit grantors with the needed indication of your ability and willingness to
Not all credit grantors that you do business with will report their accounts to meet debt obligations.
credit reporting agencies due to the expense and time involved. As such, a
credit report is not necessarily a complete summary of all your finances. There 10. WHAT ARE THE DIFFERENT ACCOUNT RATINGS?
is also more than one credit reporting agency in Canada and a file containing
TYPES OF ACCOUNTS
information about your credit and financial history may also be maintained by a
source other than TransUnion. We would encourage you to contact them in O - Open Account (payment required in full)
order to review any credit file that may be held containing information relating R - Revolving or Option (30 days)
to you. I - Installment (fixed number of payments)
M - Mortgage
USUAL MANNER OF PAYMENT
4. WHAT IF I DO NOT AGREE WITH WHAT IS ON MY FILE?
The information reflected on your credit report is a direct extraction from the 0 - Too new to rate; approved, but not used
information provided to TransUnion by credit grantors, federal and provincial 1 - Pays (or paid) within 30 days of billing pays account as agreed
government offices and public registries. The details relating to manner of 2 - Pays (or paid) in more than 30 days, but not more than 60 days
payment, payment pattern and historical status reflect the reported manner in 3 - Pays (or paid) in more than 60 days but not more than 90 days
which you paid your accounts. TransUnion cannot alter the information 4 - Pays (or paid) in more than 90 days, but not more than 120 days
reported, unless it is determined to be incomplete or otherwise inaccurate. You 5 - Account is at least 120 days overdue but is not yet rated a "9"
have the right to dispute any information contained in your credit file and, at 7 - Making regular payments under a consolidation order or similar
your request, we will conduct an investigation to verify the disputed arrangement
information. 8 - Repossession
9 - Bad debt, placed for collection; skip
X - Unknown

End of Page 1
DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Information regarding your credit history was first reported to TransUnion on Apr 25, 2012 and was last reviewed by [*
CONSUMER DISCLOSURE *] on Aug 19, 2021 . The information in the remainder of this report represents the contents of
your file as of Aug 19, 2021 . Blank areas indicate that this information was not reported to TransUnion.

Personal Information:
This section includes your Surname, Given Name(s), Middle Name, notification if your Social Insurance Number is ON FILE and
Birth Date. Blank areas indicate that this information was not reported to TransUnion.
Surname Given Name(s) Middle Name Suffix Social Insurance No Birth Date

Your Information ZHANG DAN ON FILE Jan 24, 1982

Address(es):
This section lists all of the addresses on your file. Your most current Since date address is listed first.

Telephone
Address City Prov Postal Type Own Since
Associations
406 - 2511 17 ST SW CALGARY AB T2T4M9 Home Jun 29, 2021

2106 - 1015 BURRARD ST VANCOUVER BC V6Z1Y5 Home Jun 07, 2021

200 - 150 13 AVE SW CALGARY AB T2R0V2 Home Jun 29, 2020

405 - 620 15 AVE SW CALGARY AB T2R0R5 Home Dec 26, 2019

39 BERKLEY RISE NW CALGARY AB T3K1A6 Home Sep 27, 2019 5876515517

4 - 15 WHITERAM WAY NE CALGARY AB T1Y5W6 Home Aug 27, 2019

4 - 5540 QUEEN-MARY CH MONTRÉAL QC H3X1V7 Home Jul 05, 2019

10 - 4650 PLAMONDON AV MONTRÉAL QC H3W1E5 Home Jul 26, 2018

404 - 3495 VAN HORNE AV MONTRÉAL QC H3S1R7 Home Sep 19, 2017

9 - 3433 DÉCARIE BOUL MONTRÉAL QC H4A3J4 Home May 10, 2017

310 - 1650 SAINT-LOUIS RUE SAINT-LAURENT QC H4L0B6 Home May 01, 2017

4641 ALBERT ST BURNABY BC V5C2G7 Home Jul 19, 2016

3320 41ST AVE W VANCOUVER BC V6N3E4 Home May 30, 2016

3320 41ST AVENUE VANCOUVER BC V6N3E4 Home May 12, 2016

4 - 4465 RUE DE LA ROCHE MONTRÉAL QC H2J3J2 Home Jul 11, 2014

6993 RUE BRIAND MONTRÉAL QC H4E3L7 Home Nov 21, 2012 4389948720

6993 BRIAND ST MONTRÉAL QC H4E3L7 Home Sep 13, 2012

6 - 4680 LINTON AVE MONTRÉAL QC H3W1K1 Home May 14, 2012

1273 AV O'BRIEN SAINT-LAURENT QC H4L3W1 Home C Apr 25, 2012

End of Page 2 Trans Union of Canada, Inc.

DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Telephone Number(s):
This section lists all of the telephone numbers on your file:

Qualifier Number Extension Type Date

Home 5875765517 1 Oct 07, 2019

Home 5876515517 1 Sep 27, 2019

Home 5146515517 Jul 10, 2017

Home 7783195517 1 Oct 14, 2016

Home 4389948760 Dec 23, 2015

Home 4389948720 1 Nov 21, 2012

Home 5148742003 Apr 27, 2012

Account(s):
This section lists all the accounts that have been reported by various institutions with which you have established a credit
relationship. This section will also display up to 24 months of payment history details, if reported.
Creditor Name
BANK MONTREAL CREDIT CARD Payment History
Reported Date Jul 26, 2021 Last Payment Date Jun 28, 2021 Terms: 10/M 30 60 90 #M
Opened Date Sep 28, 2017 Posted Date Jul 27, 2021 0 0 0 46
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jul 2021 1939 5972 0 1 10 5972 7000 0 0
Jun 2021 5972 1072 0 1 10 5972 7000 0 0
May 2021 1072 33 0 1 10 5191 7000 0 0
Apr 2021 33 52 0 1 10 5191 7000 0 0
Mar 2021 52 288 0 1 10 5191 7000 0 0
Feb 2021 288 114 0 1 10 5191 7000 0 0
Jan 2021 114 84 0 1 10 5191 7000 0 0
Dec 2020 84 946 0 1 10 5191 7000 0 0
Nov 2020 946 3200 0 1 10 5191 7000 0 0
Oct 2020 3152 906 0 1 10 5191 7000 0 0
Sep 2020 906 540 0 1 10 5191 7000 0 0
Aug 2020 540 699 0 1 10 5191 7000 0 0
Jul 2020 699 300 0 1 10 5191 7000 0 0
Jun 2020 300 297 0 1 10 5191 7000 0 0
May 2020 297 1431 0 1 10 5191 7000 0 0
Apr 2020 1431 2726 0 1 10 5191 7000 0 0
Mar 2020 2726 1248 0 1 10 5191 7000 0 0
Feb 2020 1248 2504 0 1 10 5191 7000 0 0
Jan 2020 2504 2484 0 1 10 5191 7000 0 0
Dec 2019 2484 1494 0 1 10 5191 7000 0 0
Nov 2019 1494 1379 0 1 10 5191 7000 0 0
Oct 2019 1379 687 0 1 10 5191 7000 0 0
Sep 2019 687 2016 0 1 10 5191 7000 0 0
Aug 2019 2016 1107 0 1 10 5191 7000 0 0
Legend:

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DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Creditor Name
BANK OF MONTREAL Payment History
Reported Date Aug 06, 2021 Last Payment Date Terms: 0/M 30 60 90 #M
Opened Date May 04, 2018 Posted Date Aug 09, 2021 0 0 0 40
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2021 0 0 0 1 0 0 20000 0 0 LC /
Jul 2021 0 0 0 1 0 0 20000 0 0 LC /
Jun 2021 0 0 0 1 0 0 20000 0 0 LC /
May 2021 0 0 0 1 0 0 20000 0 0 LC /
Apr 2021 0 0 0 1 0 0 20000 0 0 LC /
Mar 2021 0 0 0 1 0 0 20000 0 0 LC /
Feb 2021 0 0 0 1 0 0 20000 0 0 LC /
Jan 2021 0 0 0 1 0 0 20000 0 0 LC /
Dec 2020 0 0 0 1 0 0 20000 0 0 LC /
Nov 2020 0 0 0 1 0 0 20000 0 0 LC /
Oct 2020 0 0 0 1 0 0 20000 0 0 LC /
Sep 2020 0 0 0 1 0 0 20000 0 0 LC /
Aug 2020 0 0 0 1 0 0 20000 0 0 LC /
Jul 2020 0 0 0 1 0 0 20000 0 0 LC /
Jun 2020 0 0 0 1 0 0 20000 0 0 LC /
May 2020 0 0 0 1 0 0 20000 0 0 LC /
Apr 2020 0 0 0 1 0 0 20000 0 0 LC /
Mar 2020 0 0 0 1 0 0 20000 0 0 LC /
Feb 2020 0 0 0 1 0 0 20000 0 0 LC /
Jan 2020 0 0 0 1 0 0 20000 0 0 LC /
Dec 2019 0 0 0 1 0 0 20000 0 0 LC /
Nov 2019 0 0 0 1 0 0 20000 0 0 LC /
Oct 2019 0 0 0 1 0 0 20000 0 0 LC /
Sep 2019 0 0 0 1 0 0 20000 0 0 LC /
Aug 2019 0 0 0 1 0 0 20000 0 0 LC /
Legend: LC-Line of credit

Creditor Name
CANADIAN TIRE BANK Payment History
Reported Date Aug 04, 2021 Last Payment Date Oct 08, 2020 Terms: 0/M 30 60 90 #M
Opened Date Sep 17, 2018 Posted Date Aug 05, 2021 0 0 0 35
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2021 0 0 0 1 0 824 3000 0 0
Jul 2021 0 0 0 1 0 824 3000 0 0
Jun 2021 0 0 0 1 0 824 3000 0 0
May 2021 0 0 0 1 0 824 3000 0 0
Apr 2021 0 0 0 1 0 824 3000 0 0
Mar 2021 0 0 0 1 0 824 3000 0 0
Feb 2021 0 0 0 1 0 824 3000 0 0
Jan 2021 0 0 0 1 0 824 3000 0 0
Dec 2020 0 0 0 1 0 824 3000 0 0
Nov 2020 0 228 0 1 0 824 3000 0 0
Oct 2020 0 0 0 1 0 824 3000 0 0
Sep 2020 0 0 0 1 0 824 5000 0 0
Aug 2020 0 0 0 1 0 824 5000 0 0
Jul 2020 0 0 0 1 0 824 5000 0 0
Jun 2020 0 0 0 1 0 824 5000 0 0
May 2020 0 0 0 1 0 824 5000 0 0
Apr 2020 0 43 0 1 0 824 5000 0 0
Mar 2020 43 0 0 1 10 824 5000 0 0
Feb 2020 0 44 0 1 0 824 5000 0 0
Jan 2020 24 0 0 1 10 824 5000 0 0
Dec 2019 0 0 0 1 0 824 5000 0 0
Nov 2019 0 0 0 1 0 824 5000 0 0
Oct 2019 0 59 0 1 0 824 5000 0 0
Sep 2019 15 0 0 1 10 824 5000 0 0
Aug 2019 0 0 0 1 0 824 5000 0 0
Legend:

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DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Creditor Name
CAPITAL ONE HBC DUAL CARD Payment History
Reported Date May 20, 2021 Last Payment Date Aug 07, 2019 Terms: 0/M 30 60 90 #M
Opened Date Jul 10, 2017 Posted Date May 27, 2021 0 0 0 47
Closed Date May 03, 2021 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2021 0 49 0 1 0 1289 1500 0 0 CA /
Apr 2021 0 0 0 1 0 1289 1500 0 0
Mar 2021 0 0 0 1 0 1289 1500 0 0
Feb 2021 0 0 0 1 0 1289 1500 0 0
Jan 2021 0 0 0 1 0 1289 1500 0 0
Dec 2020 0 0 0 1 0 1289 1500 0 0
Nov 2020 0 0 0 1 0 1289 1500 0 0
Oct 2020 0 0 0 1 0 1289 1500 0 0
Sep 2020 0 0 0 1 0 1289 1500 0 0
Aug 2020 0 0 0 1 0 1289 1500 0 0
Jul 2020 0 0 0 1 0 1289 1500 0 0
Jun 2020 0 0 0 1 0 1289 1500 0 0
May 2020 0 49 0 1 0 1289 1500 0 0
Apr 2020 0 49 0 1 0 1289 1500 0 0
Mar 2020 0 49 0 1 0 1289 1500 0 0
Feb 2020 0 49 0 1 0 1289 1500 0 0
Jan 2020 0 49 0 1 0 1289 1500 0 0
Dec 2019 0 49 0 1 0 1289 1500 0 0
Nov 2019 0 49 0 1 0 1289 1500 0 0
Oct 2019 0 49 0 1 0 1289 1500 0 0
Sep 2019 0 49 0 1 0 1289 1500 0 0
Aug 2019 0 49 0 1 0 1289 1500 0 0
Legend: CA-Cancelled account/non-derog rating

Creditor Name
CAPITAL ONE HBC DUAL CARD Payment History
Reported Date Mar 20, 2016 Last Payment Date Nov 05, 2013 Terms: 0/M 30 60 90 #M
Opened Date Oct 23, 2012 Posted Date Mar 22, 2016 0 0 0 41
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Mar 2016 0 0 0 1 0 500 500 0 0 AC /
Legend: AC-Account closed/rating non derogatory

Creditor Name
FIDO Payment History
Reported Date Aug 25, 2018 Last Payment Date Jul 26, 2018 Terms: 0/M 30 60 90 #M
Opened Date Jan 21, 2013 Posted Date Aug 26, 2018 0 0 0 68
Closed Date Charge Off Date Account OPEN / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2018 0 0 1 0 0 0 0 CZ /
Legend: CZ-Closed at consumer's request

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DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Creditor Name
KOODO Payment History
Reported Date Nov 14, 2020 Last Payment Date Oct 28, 2020 Terms: 0/M 30 60 90 #M
Opened Date Aug 01, 2018 Posted Date Nov 14, 2020 0 0 0 28
Closed Date Oct 27, 2020 Charge Off Date Account OPEN / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Nov 2020 0 37 0 1 0 290 0 0 AC /
Oct 2020 37 37 0 1 0 290 0 0
Sep 2020 37 37 0 1 0 290 0 0
Aug 2020 37 42 0 1 0 290 0 0
Jul 2020 42 33 0 1 0 290 0 0
Jun 2020 33 48 0 1 0 290 0 0
May 2020 48 42 0 1 0 290 0 0
Apr 2020 42 58 0 1 0 290 0 0
Mar 2020 58 58 0 1 0 290 0 0
Feb 2020 58 58 0 1 0 290 0 0
Jan 2020 58 58 0 1 0 290 0 0
Dec 2019 58 58 0 1 0 290 0 0
Nov 2019 58 64 0 1 0 290 0 0
Oct 2019 64 290 0 1 0 290 0 0
Sep 2019 290 80 0 1 0 290 0 0
Aug 2019 80 80 0 1 0 157 0 0
Legend: AC-Account closed/rating non derogatory

Creditor Name
ROYAL BANK MC Payment History
Reported Date Aug 16, 2021 Last Payment Date Jan 29, 2018 Terms: 0/M 30 60 90 #M
Opened Date Mar 15, 2016 Posted Date Aug 18, 2021 0 0 0 65
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2021 0 0 0 1 0 1575 4000 0 0
Jul 2021 0 0 0 1 0 1575 4000 0 0
Jun 2021 0 0 0 1 0 1575 4000 0 0
May 2021 0 0 0 1 0 1575 4000 0 0
Apr 2021 0 0 0 1 0 1575 4000 0 0
Mar 2021 0 0 0 1 0 1575 4000 0 0
Feb 2021 0 0 0 1 0 1575 4000 0 0
Jan 2021 0 0 0 1 0 1575 4000 0 0
Dec 2020 0 0 0 1 0 1575 4000 0 0
Nov 2020 0 0 0 1 0 1575 4000 0 0
Oct 2020 0 0 0 1 0 1575 4000 0 0
Sep 2020 0 0 0 1 0 1575 4000 0 0
Aug 2020 0 0 0 1 0 1575 4000 0 0
Jul 2020 0 0 0 1 0 1575 4000 0 0
Jun 2020 0 0 0 1 0 1575 4000 0 0
May 2020 0 0 0 1 0 1575 4000 0 0
Apr 2020 0 0 0 1 0 1575 4000 0 0
Mar 2020 0 0 0 1 0 1575 4000 0 0
Feb 2020 0 0 0 1 0 1575 4000 0 0
Jan 2020 0 0 0 1 0 1575 4000 0 0
Dec 2019 0 0 0 1 0 1575 4000 0 0
Nov 2019 0 0 0 1 0 1575 4000 0 0
Oct 2019 0 0 0 1 0 1575 4000 0 0
Sep 2019 0 0 0 1 0 1575 4000 0 0
Aug 2019 0 0 0 1 0 1575 4000 0 0
Legend:

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DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Creditor Name
ROYAL BANK OF CANADA VISA Payment History
Reported Date Jul 28, 2021 Last Payment Date Jan 29, 2018 Terms: 0/M 30 60 90 #M
Opened Date May 02, 2012 Posted Date Jul 30, 2021 0 0 30 111
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Jul 09, 2018 Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jul 2021 32 0 32 9 0 2427 2000 0 32 WO / CG
Legend: CG-Account cancelled by credit grantor with derogatory rating, WO-Bad debt write-off

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Jul 30, 2021 Last Payment Date Feb 15, 2017 Terms: 0/M 30 60 90 #M
Opened Date Dec 22, 2015 Posted Date Aug 13, 2021 0 0 0 68
Closed Date May 18, 2018 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jul 2021 0 0 1 0 519 500 0 0
Jun 2021 0 0 1 0 519 500 0 0
May 2021 0 0 1 0 519 500 0 0
Apr 2021 0 0 1 0 519 500 0 0
Mar 2021 0 0 1 0 519 500 0 0
Feb 2021 0 0 1 0 519 500 0 0
Jan 2021 0 0 1 0 519 500 0 0
Dec 2020 0 0 1 0 519 500 0 0
Nov 2020 0 0 1 0 519 500 0 0
Oct 2020 0 0 1 0 519 500 0 0
Sep 2020 0 0 1 0 519 500 0 0
Aug 2020 0 0 1 0 519 500 0 0
Jul 2020 0 0 1 0 519 500 0 0
Jun 2020 0 0 1 0 519 500 0 0
May 2020 0 0 1 0 519 500 0 0
Apr 2020 0 0 1 0 519 500 0 0
Mar 2020 0 0 1 0 519 500 0 0
Feb 2020 0 0 1 0 519 500 0 0
Jan 2020 0 0 1 0 519 500 0 0
Dec 2019 0 0 1 0 519 500 0 0
Nov 2019 0 0 1 0 519 500 0 0
Oct 2019 0 0 1 0 519 500 0 0
Sep 2019 0 0 1 0 519 500 0 0
Aug 2019 0 0 1 0 519 500 0 0
Legend:

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Dec 30, 2016 Last Payment Date Dec 20, 2016 Terms: 0/M 30 60 90 #M
Opened Date Dec 23, 2015 Posted Date Jan 08, 2017 0 0 0 25
Closed Date Dec 20, 2016 Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2016 0 0 1 0 3116 3116 0 0
Legend:

Bankruptcy and Bankruptcy Proposal:

This section lists bankruptcies and proposals in bankruptcy maintained on your file in compliance with provincial regulations.

End of Page 7 Trans Union of Canada, Inc.

DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Credit Related Inquiries:

When you apply for credit, companies may request your consent to access your credit report to assist in their decision. Each time
they request your report for credit-related purposes, an inquiry is listed on your file. These inquiries will be disclosed to other
companies viewing your credit file and may impact your credit score.

Date Authorized User's Name Telephone

Jul 13, 2021 AMERICAN EXPRESS CANADA 8008696500
Sep 17, 2018 CANADIAN TIRE BANK 9057353131
Jul 10, 2017 HB GENERAL SERVICING 8666407858
Mar 15, 2016 ROYAL BANK VISA 8007692512
Dec 23, 2015 SERVICES DE CARTES DESJARDINS /G 8888750444
Jan 21, 2013 FIDO SOLUTIONS INC. 8884813436

Non-Credit Related Inquiries and Account Review Inquiries

Non-credit related inquiries and account review inquiries, as well as your own requests to view your credit file, have no impact on
your credit score. Companies may, with consent or as authorized by law, access all or part of your credit information before
completing a transaction or entering into a relationship with you for purposes other than credit (non-credit related inquiries) and/or
to periodically review your credit file after establishing a relationship with you (account review inquiries). Companies perform
non-credit related and account review inquiries for such things as verifying your identity, collecting on a debt, employment or
tenancy screening, insurance underwriting, fraud detection, meeting regulatory requirements, account renewals, limit changes,
monitoring or for products and services offerings.

Non-credit related and account review inquiries may be used (without disclosing the details of such inquiries) by TransUnion to
provide fraud detection and monitoring, identity verification, alerts and analytical services to our customers and may be disclosed
to deliver products that you have requested through a direct-to-consumer reseller.

Non-Credit Related Inquiries:

Date Authorized User's Name Telephone
Aug 19, 2021 ONLINE CONSUMER DISCLOSURE 8006639980
Aug 2021 ONLINE CONSUMER DISCLOSURE AUTH. 8006639980
Jul 31, 2021 ONLINE CONSUMER DISCLOSURE AUTH. 8006639980
Jul 2021 TU CREDIT PROFILE-CREDIT ALERT 8057828282
Jul 19, 2021 TRANSUNION CREDIT MONITORING 8057828282
Jul 2021 TRANSUNION CREDIT PROFILE 8057828282
Jul 13, 2021 AMERICAN EXPRESS CANADA 8008696500
Jun 13, 2021 BANK OF MONTREAL_CREDITVIEW 8884627217
Mar 25, 2019 ASSO. DES PROPRIETAIRES QC INC. 5143829670
Sep 25, 2018 CANADIAN TIRE BANK 8774995911
Sep 17, 2018 CANADIAN TIRE BANK 9057353131
Aug 31, 2018 TELUS MOBILITY-VERIFIED ADDRESS 8882544004
Jun 22, 2016 FIDO SOLUTIONS INC. 8884813436

Account Review Inquiries:

Date Authorized User's Name Telephone
Aug 04, 2021 TANGERINE BANK/BANQUE TANGERINE 4164975157
Jul 15, 2021 RBC ROYAL BANK 8007692599
Jun 26, 2021 CANADIAN TIRE BANK 9057353131
Jun 15, 2021 RBC ROYAL BANK 8007692599
Jun 2021 CANADIAN TIRE BANK 9057353131
May 17, 2021 RBC ROYAL BANK 8007692599
Apr 15, 2021 RBC ROYAL BANK 8007692599
Apr 05, 2021 CAPITAL ONE BANK (CANADA) 8004813239
Mar 27, 2021 CANADIAN TIRE BANK 9057353131
Mar 22, 2021 CANADIAN TIRE BANK 9057353131
Mar 15, 2021 RBC ROYAL BANK 8007692599
Feb 16, 2021 RBC ROYAL BANK 8007692599
Feb 12, 2021 TANGERINE BANK/BANQUE TANGERINE 4164975157

End of Page 8 Trans Union of Canada, Inc.

DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Date Authorized User's Name Telephone

Feb 02, 2021 CAPITAL ONE BANK (CANADA) 8004813239
Jan 15, 2021 RBC ROYAL BANK 8007692599
Dec 26, 2020 CANADIAN TIRE BANK 9057353131
Dec 15, 2020 RBC ROYAL BANK 8007692599
Dec 2020 CANADIAN TIRE BANK 9057353131
Dec 02, 2020 CAPITAL ONE BANK (CANADA) 8004813239
Nov 16, 2020 RBC ROYAL BANK 8007692599
Oct 15, 2020 RBC ROYAL BANK 8007692599
Oct 02, 2020 CAPITAL ONE BANK (CANADA) 8004813239
Oct 01, 2020 CANADIAN TIRE BANK 9057353131
Sep 23, 2020 CAPITAL ONE BANK 8004813239
Sep 15, 2020 RBC ROYAL BANK 8007692599
Sep 2020 CANADIAN TIRE BANK 9057353131
Aug 21, 2020 CAPITAL ONE BANK 8004813239
Aug 19, 2020 RBC ROYAL BANK 8007692599

*** This completes the report for DAN ZHANG ***

End of Page 9 Trans Union of Canada, Inc.

DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

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DAN ZHANG , V3808047 Thursday 19 August 2021 20:49

Need to dispute information found on your Consumer Disclosure?

You can dispute credit information and update personal information on your consumer disclosure in several ways:

Online at http://ocs.transunion.ca
Our quick and easy online access allows you to view your consumer disclosure and dispute items you believe to be inaccurate.
Visit us online at http://ocs.transunion.ca and select "Dispute Information" from the menu.

Alternative methods
PHONE
We're here to help. Our TransUnion representatives are available to assist you with the dispute process. If you recently applied for
credit or received a copy of your TransUnion Consumer Disclosure and you believe there is an inaccuracy, simply call:

English speakers in all provinces except Quebec: Toll-free 1-800-663-9980

French speakers in all provinces and English speakers in Quebec: Toll-free 1-877-713-3393

Our Consumer Relations Department is available to assist you Monday through Friday, 8 a.m.-8 p.m. Eastern Time, excluding
major holidays. In Quebec, hours of operation are Monday through Friday, 8:30 a.m.-5 p.m. ET.

MAIL
If you prefer to send your dispute by mail, simply complete the investigation request form on the following page.

Note
Our goal is to maintain accurate information on your TransUnion credit report. By law, we're required to verify the information on
a credit report you dispute. If you don't recognize information on your credit report, or believe an item may be inaccurate, you may
request an investigation. Only inaccurate information may be removed; negative information that's accurate will stay on your
credit report as long as the governing laws allow. Changes on your credit report that occur as the result of an investigation will be
made on both your consumer disclosure and credit report.

You should know there's more than one credit bureau in Canada. A credit file containing information about your credit and
financial history may also be maintained by other credit bureaus, and we encourage you to contact them in order to review any
credit file that may contain information relating to you.

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CONSUMER RELATIONS CENTRE TU Case ID V3808047

3115 Harvester Road, Suite 201 Contact Information
Burlington Ontario Telephone: 1-800-663-9980
L7N 3N8 www.transunion.ca

Authentication Reference 6951764

INVESTIGATION REQUEST FORM

Please Note: This form is only to be returned to TransUnion if you wish to dispute information on your
credit file.
The following information is gathered to assist in verifying your dispute. Please ensure to supply the
required information and complete the authorization on the back of the form.
Consumer's Name Social Insurance Number (Optional)
ZHANG DAN
Last First Middle Jr/Sr
Current Address Previous Address
2106-1015 BURRARD ST,
406-2511 17 ST SW,
Number & Street
Number & Street
VANCOUVER BC V6Z 1Y5
CALGARY AB T2T 4M9 Apartment City Prov/Postal
Apartment City Prov/Postal
Would you like your investigation notification
Date of Birth Emailed or Mailed
Jan 24, 1982
Email Address
If any of the personal information supplied
Employment (optional)
on this form is not listed in my credit file, I
request that it be incorporated into
TransUnion's file Yes
Home Phone (optional) No
(587)-576-5517

Signature of Consumer (required) Date

IF YOU DISAGREE WITH ACCURACY OR COMPLETENESS OF YOUR INFORMATION, PLEASE NOTE BELOW. USE
ADDITIONAL PAPER IF NECESSARY, ENSURING THAT EACH ADDITIONAL PAGE CONTAINS YOUR SIGNATURE.
Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

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Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

ADDITIONAL COMMENTS

To investigate your dispute we will contact the source of the disputed information by phone and/or fax. Each source will
be advised as to the nature of your dispute and will be requested to verify the accuracy and/or the completeness of the
information they reported. If our investigation does not resolve your dispute you may add an explanation statement to
your report. All provinces allow a statement added of up to 100 words, except Saskatchewan - 200 words. If you would
like to add a statement, please print the statement on a separate sheet of paper and attach it to this form.
**RETURN THIS FORM TO THE ADDRESS LISTED AT THE TOP OF YOUR REPORT**
If your credit report changes after our investigation, or if a consumer statement is added, an amended report will be sent according
to provincial guidelines to companies in receipt of your credit file. We recommend that you do not apply for credit while your
dispute is pending.
I HAVE READ AND UNDERSTOOD THE ABOVE STATEMENTS AND HAVE PROVIDED INFORMATION THAT
IS, TO THE BEST OF MY KNOWLEDGE, TRUE AND ACCURATE. I AUTHORIZE YOU TO FOLLOW THE
PROCEDURES OUTLINED ABOVE IN AN ATTEMPT TO VERIFY THE INFORMATION THAT I AM DISPUTING.

Signature Date

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