Personal Credit Report for:

THOMPSON FORKER

File Number:
431427562

Date Created:
05/30/2022

To start a dispute online, click here.

! Personal Information
You have been on our files since 07/24/2012. Your SSN has been masked for your protection.

Credit Report Date

05/30/2022

Social Security Number

XXX-XX-9252

Date of Birth

07/24/1995

Name

THOMPSON B. FORKER

Addresses

Current Address
 213 W 3RD ST CHENEY, WA 99004-2505

Date Reported

12/09/2021

Other Address

324 4TH ST CHENEY, WA 99004-1520

Date Reported

09/30/2020

Other Address

313 W 5TH ST CHENEY, WA 99004-1473

Date Reported

03/31/2018

Other Address

900 LIBERTY ST APT 2 BELLINGHAM, WA 98225-5640

Date Reported

12/31/2014

Other Address

17503 113TH AVE NE BOTHELL, WA 98011-3204

Date Reported

07/24/2012

Phone Numbers

Phone Number

(509) 218-3837

Phone Number

(425) 780-8019

Phone Number

(425) 892-0364

Phone Number

(218) 383-3837
" 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.

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BKW: Bankruptcy withdrawn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. Please note: Accounts are reported as "Current; Paid or paying as
agreed" if paid within 30 days of the due date. Accounts reported as Current may still incur late fees
or interest charges if not paid on or before the due date.

DEPT OF ED/AIDVANTAGE
98826136571E0012013****

Address Phone
P O BOX 9635 WILKES BARRE, PA 18773 (800) 722-1300

Monthly Payment Date Opened

$0 09/19/2013

Responsibility Account Type

Individual Account Installment Account

Loan Type Date Updated

STUDENT LOAN 04/30/2022

Payment Received Last Payment Made

$0 04/27/2022
:
 Pay Status Terms
Current; Paid or Paying as Agreed $0 per month, paid Monthly for 87 months

High Balance (Hist.)

High balance of $3,666 from 11/2019 to 11/2021;
$3,666 from 02/2022 to 04/2022

Payment History

2022 2021 2020 2019

Jan

Balance: --- $4,419 $4,409 ---

Past Due: --- $0 $0 ---

Amount Paid: --- $0 $0 ---

Scheduled Payment: --- $0 $57 ---

Remarks: --- --- --- ---

Rating:
OK OK OK OK

Feb
Balance: $4,419 $4,419 $4,423 ---

Past Due: $0 $0 $0 ---

Amount Paid: $0 $0 $0 ---

Scheduled Payment: $0 $0 $57 ---

Remarks: --- --- --- ---

Rating:
OK OK OK OK

Mar
Balance: $4,419 $4,419 $4,419 ---

Past Due: $0 $0 $0 ---

Amount Paid: $0 $0 $0 ---

:
 Scheduled Payment: $0 $0 $0 ---

Remarks: --- --- AND ---

Rating:
OK OK OK X

Apr
Balance: $4,419 $4,419 $4,419 ---

Past Due: $0 $0 $0 ---

Amount Paid: $0 $0 $0 ---

Scheduled Payment: $0 $0 $0 ---

Remarks: --- --- --- ---

Rating:
OK OK OK OK

May
Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

Rating:
OK OK OK

Jun
Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

:
 Rating:
OK OK OK

Jul
Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

Rating:
OK OK OK

Aug
Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

Rating:
OK OK OK

Sep
Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

Rating:
OK OK X
:
 Oct

Balance: $4,419 $4,419 ---

Past Due: $0 $0 ---

Amount Paid: $0 $0 ---

Scheduled Payment: $0 $0 ---

Remarks: --- --- ---

Rating:
OK OK OK

Nov
Balance: $4,419 $4,419 $4,381

Past Due: $0 $0 $0

Amount Paid: $0 $0 $0

Scheduled Payment: $0 $0 $57

Remarks: --- --- ---

Rating:
OK OK OK

Dec
Balance: --- $4,419 $4,395

Past Due: --- $0 $0

Amount Paid: --- $0 $0

Scheduled Payment: --- $0 $57

Remarks: --- --- ---

Rating:
OK OK OK

JPMCB CARD SERVICES

414740032619****
:
 Address Phone
PO BOX 15369 WILMINGTON, DE 19850 (800) 945-2000

Monthly Payment Date Opened

$11 11/10/2021

Responsibility Account Type

Individual Account Revolving Account

Loan Type Date Updated

FLEXIBLE SPENDING CREDIT CARD 05/09/2022

Last Payment Made Pay Status

05/06/2022 Current; Paid or Paying as Agreed

Terms High Balance (Hist.)

$11 per month; paid Monthly High balance of $495 from 12/2021 to 12/2021;
$552 from 01/2022 to 01/2022; $591 from 02/2022
to 02/2022; $691 from 05/2022 to 05/2022

Credit Limit (Hist.)

Credit limit of $500 from 12/2021 to 02/2022; $500
from 05/2022 to 05/2022

Payment History

2022 2021

Jan
Balance: $552

Past Due: $0

Scheduled Payment: $35

Rating:
OK

Feb
Balance: $591

Past Due: $0

Scheduled Payment: $44

Rating:
OK
:
 Mar

Balance: ---

Past Due: ---

Scheduled Payment: ---

Rating:
30

Apr
Balance: ---

Past Due: ---

Scheduled Payment: ---

Rating:
60

May
Balance: $11

Past Due: $0

Scheduled Payment: $11

Rating:
OK

Jun
Balance:

Past Due:

Scheduled Payment:

Rating:

Jul
:
 Balance:

Past Due:

Scheduled Payment:

Rating:

Aug
Balance:

Past Due:

Scheduled Payment:

Rating:

Sep

Balance:

Past Due:

Scheduled Payment:

Rating:

Oct

Balance:

Past Due:

Scheduled Payment:

Rating:

Nov

Balance:

Past Due:
:
 Scheduled Payment:

Rating:

Dec

Balance: $495

Past Due: $0

Scheduled Payment: $35

Rating:
OK

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

SYNCBAMAZON

Location Requested On
PO BOX 530975 11/10/2021
ATLANTA, GA 30353

Phone Inquiry Type

(855) 597-4891 Individual

Promotional Inquiries
The companies listed below received your name, address and other limited information about you so
they could make a firm offer of credit or insurance. They did not receive your full credit report. These
inquiries are not seen by anyone but you and do not affect your score.

Name
:
 T-MOBILE

Location Requested On
12920 SE 38TH STRE 01/27/2022, 08/05/2021, 06/03/2021

BELLEVUE, WA 98006

Phone
(800) 318-9270

PROGRESSIVE INSURANCE

Location Requested On
PO BOX 43258 01/07/2022, 11/12/2021, 10/08/2021, 08/06/2021,
06/11/2021
RICHMOND HEIG, OH 44123

Phone
(216) 732-3038

CAPITAL ONE

Location Requested On
P O Box 31293 01/04/2022, 12/06/2021, 11/01/2021, 10/06/2021,
09/08/2021, 08/04/2021, 07/07/2021, 06/01/2021
Salt Lake City, UT 84131

Phone
(800) 955-7070

GEICO

Location Requested On
1 GEICO PLZ 12/12/2021

WASHINGTON, DC 20076-0003

Phone
(773) 582-2886

CCB/AXCESS

Location Requested On
7755 MONTGOMERY RD 08/04/2021

CINCINNATI, OH 45236
:
 Phone
(800) 561-2274

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

NAVIENT SOLUTIONS INC

Location Requested On
PO BOX 9500 07/06/2021

WILKES BARRE, PA 18773

Phone
(888) 272-5543

THOMPSON FORKER via TRANSUNION INTERACTIVE IN

Location Requested On
100 CROSS ST 05/29/2022, 05/29/2022
STE 202
SAN LUIS OBISPO, CA 93401

Phone
(855) 681-3196

CAREPAYMENT LLC 1 via CAREPAYMENT LLC

Location Requested On
9600 SW NIMBUS AVE 09/23/2021, 09/16/2020
SUITE 260
BEAVERTON, OR 97008

Phone
(503) 419-3585

CHENEY RE via FASTRAK INVESTIGATIVE SER

:
 Location Requested On
216 N FIRST AVE 08/03/2021
STE C-122-2
SANDPOINT, ID 83864

Phone
Phone number not available

GENERAL COUNCIL OF T via RHR INFORMATION SERV INC

Location Requested On
701 FIFTH ST SOUTH 06/15/2020
HOPKINS, MN 55343

Phone
(952) 545-3953

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 between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday through Friday,
except 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 N.W., 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). 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 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 on 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 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 from the lists these offers are based on. You
may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT)

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. 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
Protection
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and Bureau
their affiliates 1700 G Street,
N.W.
Washington, DC
20552
b. Federal Trade
Commission
Consumer
Response
Center
b. Such affiliates that are not banks, savings associations, or credit unions also should list,
600
in addition to the CFPB:
Pennsylvania
Avenue, N.W.
Washington, DC
20580
(877) 382-4357
a. Office of the
Comptroller of
the Currency
Customer
2. To the extent not included in item 1 above: Assistance
a. National banks, federal savings associations, and federal branches and federal agencies Group
of foreign banks 1301 McKinney
Street, Suite
3450
Houston, TX
77010-9050
b. Federal
b. State member banks, branches and agencies of foreign banks (other than federal Reserve
branches, federal agencies, and Insured State Branches of Foreign Banks), commercial Consumer Help
lending companies owned or controlled by foreign banks, and organizations operating Center
under section 25 or 25A of the Federal Reserve Act. P.O. Box 1200
Minneapolis, MN
:
 55480
c. FDIC
Consumer
Response
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state Center
savings associations 1100 Walnut
Street, Box #11
Kansas City, MO
64106
d. National
Credit Union
Administration
Office of
Consumer
Financial
Protection
(OCFP)
d. Federal Credit Unions Division of
Consumer
Compliance
Policy and
Outreach
1775 Duke
Street
Alexandria, VA
22314
Asst. General
Counsel for
Aviation
Enforcement &
Proceedings
Aviation
Consumer
Protection
3. Air carriers Division
Department of
Transportation
1200 New
Jersey Avenue,
S.E.
Washington, DC
20590

Office of
:
 Proceedings,
Surface
Transportation
4. Creditors Subject to the Surface Transportation Board Board
Department of
Transportation
395 E Street,
S.W.
Washington, DC
20423
Nearest
Packers and
5. Creditors Subject to the Packers and Stockyards Act, 1921 Stockyards
Administration
area supervisor
Associate
Deputy
Administrator
for Capital
Access
United States
6. Small Business Investment Companies Small 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. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit 1501 Farm
Banks, and Production Credit Associations 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

WASHINGTON BILL OF RIGHTS

If we investigate the information in your report at your request, you will receive an updated credit report, and
another copy of this notice, to indicate that we have completed our investigation. The results of our
investigation will be shown in that report. Items that we cannot verify will not appear in your updated credit
report or in future reports, unless the information is later verified. Items that we verify will appear on the
updated report with an indication that they were verified, and any items that we change will show those
changes on your updated report.

Your Attorney General's office is located at 900 4th Ave Suite 2000 Seattle WA 98164. You may write or call
1-800-551-4636. You may also visit the web site http://www.atg.wa.gov

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.
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