Chex Systems, Inc.

Attn: Consumer Relations

PO Box 583399
Minneapolis, MN 55458
www.chexsystems.com
Toll Free:
800-513-7125

02/19/2024
STARLA BAMBA Visit www.chexsystems.com to access
1 N UNIVERSITY PARKWAY the secure consumer portal.
HIGH POINT NC 27262

Visit www.chexsystems.com/additional-education-information for more information and

resources for consumers.

Consumer ID 27461274 for STARLA BAMBA

This report was prepared using the identifiers provided by you. Please provide your Consumer ID number along
with your name and Social Security number in any future contact with Chex Systems, Inc.

Personal Information
This section displays personal information you have provided to ChexSystems. This could include information
such as names, date of birth, addresses, phone numbers and email addresses.

Names: STARLA BAMBA;

Addresses:
1 N UNIVERSITY PARKWAY HIGH POINT, NC 27262
30 WEST 18TH BAYONNE, NJ 07002
30 WEST 18TH STREET BAYONNE, NJ 07002

Phone Numbers: 201.637.1933; 201.637.1933;

Email Addresses:
starla537@gmail.com

Date of Birth:
06/18/2002

Reported Information
ChexSystems' clients, which consist mainly of financial institutions, furnish information on closed checking and
savings accounts, referred to as reported information. ChexSystems’ current practice is to retain reported
information for a period of five years. The source is under no obligation to remove accurate information, even if
paid, but is obligated to update the report with a paid in full or settled in full status and date when applicable.

No Information Found

Inquiries Viewed By Others

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This section refers to transactions involving you and are the result of someone accessing your ChexSystems
information, typically in connection with a business transaction you initiated with them. The company listed on
this type of inquiry requested information from your consumer file on the date(s) specified. These inquires may
impact your consumer report and may be included in reports to others. These inquiries remain on your file for
up to 3 years.

Inquirer: DIGITAL FEDERAL CREDIT UNION; PO BOX 9130, MARLBOROUGH, MA 01752

Phone Number: Telephone Number Not Available
Inquiry Date: 01/25/2024

Inquirer: CIVIC FEDERAL CREDIT UNION; 3600 WAKE FOREST RD, RALEIGH, NC 27609
Phone Number: 919.747.4412
Inquiry Date: 01/23/2024

Inquirer: DISCOVER BANK; 2500 LAKE COOK RD, RIVERWOODS, IL 60015

Phone Number: Telephone Number Not Available
Inquiry Date: 12/28/2023

Inquiries Viewed Only By You

This section refers to transactions you may or may not have initiated. For this reason, you may not always
recognize the source. Inquiries made by medical providers may also be included in this section. The information
listed in this section is only viewable by you. It is not included in reports to others and does not negatively affect
your consumer report.

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 02/05/2024

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 01/05/2024

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Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661
Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 09/05/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 08/05/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: GOLDMAN SACHS BANK USA; 200 WEST STREET, NEW YORK, NY 10282
Phone Number: 212.902.1000
Inquiry Date: 07/25/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 07/08/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 06/06/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 05/06/2023

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 Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661
Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 04/05/2023

Inquirer: TRANSUNION LLC; 555 W ADAMS ST, CHICAGO, IL 60661

Phone Number: 800.916.8800

On Behalf Of: CREDIT KARMA; 1100 BROADWAY SUITE 1800, OAKLAND, CA 94607
Phone Number: 415.692.5722
Inquiry Date: 03/06/2023

Retail Information
Retail Information refers to returned checks reported by retailers and other businesses to Certegy Payment
Solutions, LLC. ChexSystems receives this information from Certegy Payment Solutions, LLC, is not involved in
the collection of these items, and retains record of retail information for a period of four years.

No Information Found

History of Checks Ordered

This section displays the check order information that has been reported to ChexSystems within the past five
years. Not all check orders are reported to ChexSystems, therefore, this section may not display all orders that
have been placed.

No Information Found

Social Security Number Validation

Social Security Number Validation indicates the year and state that a particular sequence of digits first became
available for issuance by the Social Security Administration, or that a particular sequence of digits is available for
randomized issuance. This information does not include the name of the individual to whom the number was
issued.

XXX-XX-8358 BECAME AVAILABLE FOR ISSUANCE IN 2002 IN NY

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 Notices
You have a right to dispute information contained in your consumer file. If you believe information in your file
may be inaccurate or incomplete, you may submit a dispute directly to ChexSystems through the secure consumer
portal at www.chexsystems.com, by calling 800.428.9623, or by mail at the address in the letterhead. ChexSystems
will notify you of the results of the reinvestigation online if you select a portal delivery preference when registering
your secure consumer portal account, otherwise the notice will be delivered by mail.

You may have a right to place a security freeze on your consumer file. To obtain more information or to place an
alert or freeze on your consumer file at ChexSystems, please visit our website at www.chexsystems.com. If you are
a current resident of AL, AK, AR, CA, CO, DE, DC, FL, GA, IN, MD, MA, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH,
OK, RI, TN, VT, VA, WV, or WI there may be additional rights and information available to you. Please visit our
website at www.chexsystems.com and select the “Security Freeze” link or contact us at the address or telephone
number listed above to request a written copy of any applicable state notices.

By submitting your personal information to ChexSystems, you acknowledge your agreement to provide accurate
identifying information and your understanding that ChexSystems may access, store, and use this information to
the extent permitted by law.

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A Summary of Your Rights under the Federal Fair Credit Reporting Act
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial
Protection Bureau, 1700 G St. NW, Washington, DC 20552.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files
of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus
and specialty agencies (such as agencies that sell information about check writing histories, medical records, and
rental history records). Here is a summary of your major rights under the FCRA. For more information, including
information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial
Protection Bureau, 1700 G St. 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 obtain a copy of your consumer disclosure report. 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; or
 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 can request a copy of your Chex Systems,
Inc. (ChexSystems) consumer disclosure report by visiting our website at www.chexsystems.com, by voice
messaging at 800.428.9623, or by mail at Chex Systems, Inc., Attn: Consumer Relations, PO Box 583399,
Minneapolis, MN 55458.
 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 may have to pay for it. In
some mortgage transactions, you will receive credit score information for free from the mortgage lender. To
request your ChexSystems consumer score, you may print the Consumer Score Order Form from our website at
www.chexsystems.com or call us at 800.513.7125 to request that we send the form to you. Complete and mail
the Consumer Score Order Form to Chex Systems, Inc., Attn: Consumer Relations, PO Box 583399, Minneapolis,
MN 55458.
 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.consumerfinanace.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.
 Consumer reporting agencies are not required to remove accurate derogatory information from the file of a
consumer, unless the information is outdated or cannot be verified.

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 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 888.5 OPTOUT (888.567.8688). You may opt out with Chex Systems,
Inc. at 877.678.6885 or by visiting our website at www.chexsystems.com.
 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 submit a complaint regarding ChexSystems and/or relevant furnishers by mail to Chex Systems, Inc.,
Attn: Consumer Relations, PO Box 583399, Minneapolis, MN 55458, or by contacting the Consumer Financial
Protection Bureau at www.consumerfinance.gov/complaints or your state’s Attorney General at
www.usa.gov/state-attorney-general.
 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 credit unions with total assets of a. Consumer Financial Protection Bureau
over $10 billion and their affiliates 1700 G Street NW
Washington, DC 20552

b. Such affiliates that are not banks, savings associations, or credit unions b. Federal Trade Commission
also should list, in addition to the CFPB: Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
a. National banks, federal savings associations, and federal branches and Customer Assistance Group
federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052

b. State member banks, branches and agencies of foreign banks (other b. Federal Reserve Consumer Help Center
than federal branches, federal agencies, and Insured State Branches of P.O. Box 1200
Foreign Banks), commercial lending companies owned or controlled by Minneapolis, MN 55480
foreign banks, and organizations operating under section 25 or 25A of the
Federal Reserve Act. c. Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, Federal Deposit Insurance Corporation
and insured state savings associations 1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal Credit Unions
d. National Credit Union Administration
Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Assistant General Counsel for Office of Aviation Consumer Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

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 4. Creditors Subject to the Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Division Regional Office
6. Small Business Investment Companies Associate Administrator, Office of Capital Access
United States Small Business Administration
409 Third Street SW, Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street NE
Washington, DC 20549
8. Institutions that are members of the Farm Credit System Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357

ChexSystems Notice to Consumers

In addition to the information listed in this document, the following may also apply to you. If you need further
assistance in understanding your ChexSystems consumer disclosure report, you may call our toll-free number,
800.513.7125, at which personnel are accessible to you during normal business hours. In most circumstances,
ChexSystems does not currently require a consumer to pay a fee to obtain a consumer disclosure report.
 California: Under California Civil Code, Consumer Credit Reporting Agencies Act, Section 1785.19, you have the
right to bring civil action against anyone who improperly obtains access to a file or knowingly or willfully
misuses file data.
 Colorado: You may call our toll-free number and speak directly to a ChexSystems representative to notify us of
disputed information contained in your file. After following all dispute procedures, you may have the right to
dispute resolution under the Colorado Consumer Credit Reporting Act, Section 12-14.3-107, Consumers right to
file action in court or arbitrate disputes. Colorado State Consumers have the right to obtain a security freeze
for their children or legal wards. You may obtain from a consumer reporting agency a credit report security
freeze for your child who is under sixteen years of age or for your legal ward. If a consumer report has not yet
been created for your child or legal ward, you may request that a consumer reporting agency create a consumer
record for him or her and place a security freeze on his or her consumer record. You will not be charged to have
a security freeze placed on your child’s or legal ward’s consumer report or to have a consumer record created
for your child or legal ward and to have a security freeze placed on the consumer record. You will not be
charged to have a security freeze placed on or removed from your child’s or legal ward’s report or record.
 Connecticut: Under Connecticut law, if after an investigation you are not satisfied with your consumer report,
you may contact the Connecticut Department of Banking. You have the right to bring civil action against anyone
who knowingly or willfully misuses file data or improperly obtains access to your file.
 Maine: Under Maine law, a consumer reporting agency must verify or remove disputed information within 21
days from the date the dispute was received.
Maryland: You have the right submit complaints to the Commissioner of Banking and Consumer Credit at 500
Calvert St., Suite 402, Baltimore, MD 21202 or call 888.784.0136. This document explains your rights with
regard to the services provided by ChexSystems under Maryland Commercial Law, Subtitle 12, Consumer
Reporting Agencies.
 Massachusetts: Under Massachusetts law, we must provide someone to help you interpret the information in
your file. We must modify or remove inaccurate information after investigation of your dispute. We may not
charge a fee for this service. Any pertinent information and copies of all documents you have concerning a
dispute should be provided to us. You may be entitled to collect compensation, in certain circumstances, if you
are damaged by a person’s negligent or intentional failure to comply with the provisions of the credit reporting
act.

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 Texas: After you have followed the dispute procedures and have received the results of an investigation, you
may be entitled to dispute resolution under Title 2, Business & Commerce Code, Chapter 20, Regulation of
Consumer Credit Reporting Agencies, Section 20.08, Consumer’s Right To File Action In Court Or Arbitrate
Disputes.
 Washington: In accordance with Washington statute (Title 19 RCW, Chapter 182), the information on the
previous pages explains your rights with regard to the services provided by ChexSystems. The agency
responsible for the enforcement of this statute is: Attorney General of Washington, 800 5th Avenue, Suite 2000,
Seattle, WA 98104-3188. Statewide toll-free number: 800.551.4636.