View Your Report - TransUnion Credit Report

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Personal Credit Report for:

EMILIA MCCAULEY
File Number:
430483155
Date Created:
06/23/2024
Visit transunion.com/dispute to start a dispute online.
! Personal Information
You have been on our files since 08/01/1982. Your SSN has been masked for your protection.
Credit Report Date
06/23/2024
Social Security Number
XXX-XX-7471
Date of Birth
05/07/1960
Name
EMILIA C. ORNELAS
Also Known As
AKA
EMILIA O. MCCAULEY
AKA
EMILILIA MCCAULEY
AKA
EMILIA C. IRELAND
Addresses
Current Address
1 of 67 6/22/24, 9:00 PM
View Your Report | TransUnion Credit Report https://annualcreditreport.transunion.com/dss/disclosure.page
7 TULANE DR REHOBOTH BEACH, DE 19971-9419
Date Reported
05/29/2019
Other Address
PO BOX 106 NASSAU, DE 19969-0106
Date Reported
03/16/2013
Other Address
16831 RANDOR DR MILTON, DE 19968-3439
Date Reported
07/31/2016
Other Address
342 W GLENWOOD AVE SMYRNA, DE 19977-1064
Date Reported
08/01/1996
Other Address
220 BEISER BLVD DOVER, DE 19904-7790
Date Reported
09/20/2008
Other Address
31121 CREPE MYRTLE DR MILLSBORO, DE 19966-4692
Date Reported
09/30/2007
Other Address
1446 S DUPONT BLVD APT 132 SMYRNA, DE 19977-1805
Date Reported
07/01/1991
Other Address
1 STAR M CAMDEN WYOMING, DE 19934
Phone Numbers
Phone Number
(302) 423-5647
Phone Number
(302) 653-5575
2 of 67 6/22/24, 9:00 PM
Phone Number
(302) 653-2148
Phone Number
(702) 783-7275
Phone Number
(302) 423-5648
Employers
Employer
BOOKS & ASSOCIATES
Date Verified
07/11/2012
BOOK & ASSOCIATES P A
Occupation Date Verified

CPA 07/07/2012
RAYMOND BOOK ASSC

CPA 06/18/2009
RAYMOND F BOOK & ASSOC
Location Occupation Date Verified

DOVER, DE EMPLOYED 12/01/2006
R F BOOK & ASSOCIATES

ACCOUNTANT 03/15/2006
R F BROOK ASSOC
Date Verified
01/14/2005
R F BOOK & ASSOC PA
Occupation Date Hired Date Verified

CPA 10/01/1991 10/27/2004
" Accounts
3 of 67 6/22/24, 9:00 PM
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
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
4 of 67 6/22/24, 9:00 PM
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
5 of 67 6/22/24, 9:00 PM
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 any account
that contains medical information, the information following 'Medical-' is not displayed to anyone but you except where
permitted by law. For your protection, your account numbers have been partially masked, and in some cases scrambled.
Account
Name
WATERFALL REVENUE GROUP 101190****
6 of 67 6/22/24, 9:00 PM
Account Information
Address 2297 HIGHWAY 22 #906 HAMILTON SQUARE, NJ 08690
Phone (609) 771-9200
Date Opened 09/13/2022
Responsibility Individual Account
Account Type Open Account
Loan Type COLLECTION AGENCY/ATTORNEY
Balance $721
Date Updated 06/11/2024
High Balance $721
Original Creditor DELAWARE CARDIOVASCULAR ASSOCI
Past Due $721
Pay Status >Collection<
Estimated month and year this item will be removed 01/2026
Remarks >PLACED FOR COLLECTION<
Satisfactory Accounts
The following accounts are reported with no adverse information. 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.
Account
Name
CITICARDS CBNA 518941016123****
Account Information
5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD

Address 57108
7 of 67 6/22/24, 9:00 PM
Phone (888) 248-4728
Monthly Payment $41
Account Type Revolving Account
Loan Type FLEXIBLE SPENDING CREDIT CARD
Balance $80
Last Payment Made 06/17/2024
Pay Status Current; Paid or Paying as Agreed
Terms $41 per month; paid Monthly
High Balance (Hist.) High balance of $3,306 from 12/2021 to 06/2024
Credit limit of $5,000 from 12/2021 to 09/2022; $6,000

from 10/2022 to 04/2024; $9,000 from 05/2024 to
Credit Limit (Hist.) 06/2024
Payment History
Total Months: 6
8 of 67 6/22/24, 9:00 PM
October 2018 November 2018 December 2018 January 2019 February 2019 March 2019
Balance Balance Balance Balance Balance Balance

--- --- --- --- --- ---
Past Due Past Due Past Due Past Due Past Due Past Due
--- --- --- --- --- ---
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
--- --- --- --- --- ---
Remarks Remarks Remarks Remarks Remarks Remarks

--- --- --- --- --- ---
Rating Rating Rating Rating Rating Rating

OK OK OK OK OK OK
April 2019 May 2019 June 2019 July 2019 August 2019 September 2019

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 6
9 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 6
10 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 6
11 of 67 6/22/24, 9:00 PM

--- --- $923 $867 $0 $0
--- --- $0 $0 $0 $0
--- --- $35 $35 --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $29 $0 $161 $162 $2
$0 $0 $0 $0 $0 $0
--- $29 --- $41 $41 $2

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 6
12 of 67 6/22/24, 9:00 PM

$917 $515 $184 $92 $570 $2
$0 $0 $0 $0 $0 $0
$41 $41 $41 $41 $41 $2

--- DRC DRC DRC DRC DRC

OK OK OK OK OK OK

$27 $195 $0 $29 $152 $0
$0 $0 $0 $0 $0 $0
$27 $41 --- $29 $41 ---

DRC DRC DRC DRC DRC DRC

OK OK OK OK OK OK
Total Months: 6
13 of 67 6/22/24, 9:00 PM

$377 $1,328 $235 $0 $106 $16
$0 $0 $0 $0 $0 $0
$41 $41 $41 --- $41 $16

DRC DRC DRC DRC DRC DRC

OK OK OK OK OK OK
April 2024 May 2024 June 2024
Balance Balance Balance

$200 $81 $80
Past Due Past Due Past Due

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

$41 $41 $41
Remarks Remarks Remarks

DRC DRC DRC
Rating Rating Rating

OK OK OK
Total Months: 6
CITIZENS BANK 805732****
Account Information
Address 1 CITIZENS DR RIVERSIDE, RI 02915
Phone (800) 708-6680
14 of 67 6/22/24, 9:00 PM
Account Type Line of Credit Account
Loan Type HOME EQUITY LOAN
Balance $0
Payment Received $0
High Balance $34,996
Credit Limit $35,000
Pay Status Paid, Closed; was Paid as agreed
Terms Paid Monthly
Date Closed 11/12/2014
Date Paid 05/30/2018
Remarks Account closed at consumer's request; CLOSED
Payment History
August 2011 September 2011 October 2011 November 2011 December 2011 January 2012

OK OK OK OK OK OK
February 2012 March 2012 April 2012 May 2012 June 2012 July 2012

OK OK OK OK OK OK
Total Months: 8
15 of 67 6/22/24, 9:00 PM

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
Total Months: 8
16 of 67 6/22/24, 9:00 PM

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
February 2018 March 2018 April 2018 May 2018
Rating Rating Rating Rating

OK OK OK OK
Total Months: 8
CITIZENS ONE HOME LOANS 293003352****
Account Information
Address PO BOX 6260 GLEN ALLEN, VA 23058-6260
Phone (800) 234-6002
Monthly Payment $1,539
17 of 67 6/22/24, 9:00 PM
Account Type Mortgage Account
Loan Type FHA REAL ESTATE MORTGAGE
Balance $233,859
Payment Received $1,539
Terms $1,539 per month, paid Monthly for 360 months
Payment History
January 2021 February 2021 March 2021 April 2021 May 2021 June 2021

--- --- --- --- --- ---
--- --- --- --- --- ---
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 4
18 of 67 6/22/24, 9:00 PM
July 2021 August 2021 September 2021 October 2021 November 2021 December 2021

--- --- --- --- --- $262,973
--- --- --- --- --- $0
--- --- --- --- --- $1,530
--- --- --- --- --- $1,859

OK OK OK OK OK OK

$262,057 $251,475 $250,867 $250,257 $249,646 $249,034
$0 $0 $0 $0 $0 $0
$1,859 $13,621 $1,522 $1,522 $1,522 $1,522
$1,859 $1,522 $1,522 $1,522 $1,522 $1,522

OK OK OK OK OK OK
Total Months: 4
19 of 67 6/22/24, 9:00 PM

$248,419 $247,803 $247,186 $247,330 $246,278 $245,325
$0 $0 $0 $0 $0 $0
$1,522 $1,522 $1,522 $1,522 $1,854 $3,357
$1,522 $1,522 $1,522 $1,854 $1,854 $1,717

OK OK OK OK OK OK

$244,701 $244,076 $243,449 $242,821 $242,191 $241,559
$0 $0 $0 $0 $0 $0
$1,717 $1,717 $1,532 $1,532 $1,532 $1,532
$1,717 $1,532 $1,532 $1,532 $1,532 $1,532

OK OK OK OK OK OK
Total Months: 4
20 of 67 6/22/24, 9:00 PM

$240,927 $240,292 $240,417 $239,665 $238,912 $238,157
$0 $0 $0 $0 $0 $0
$1,532 $1,532 $1,532 $1,532 $1,532 $1,532
$1,532 $1,532 $1,532 $1,532 $1,532 $1,532

OK OK OK OK OK OK

$237,095 $236,451 $235,806 $235,158 $234,509 $233,859
$0 $0 $0 $0 $0 $0
$1,532 $1,532 $1,539 $1,539 $1,539 $1,539
$1,532 $1,539 $1,539 $1,539 $1,539 $1,539

OK OK OK OK OK OK
Total Months: 4
COMENITY BANK/PEEBLES 585637386376****
Account Information
3095 LOYALTY CIRCLE,BUILDING A COLUMBUS, OH

Address 43219
Phone Phone number not available
21 of 67 6/22/24, 9:00 PM
Loan Type CHARGE ACCOUNT
Balance $0
Payment Received $0
High Balance $144
Credit Limit $750
Terms Paid Monthly
Remarks Account closed at consumer's request; CLOSED
Payment History

OK OK OK OK OK OK

OK OK OK OK OK OK
Total Months: 5
22 of 67 6/22/24, 9:00 PM

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
October 2017 November 2017 December 2017 January 2018 February 2018
Rating Rating Rating Rating Rating

OK OK OK OK OK
Total Months: 5
ELAN FINANCIAL 414776857317****
23 of 67 6/22/24, 9:00 PM
Account Information
Address CB DISPUTES,PO BOX 108 SAINT LOUIS, MO 63166
Phone (866) 234-4750
Balance $0
Terms Paid Monthly
Credit Limit (Hist.) Credit limit of $5,000 from 12/2021 to 05/2024
Payment History
Total Months: 8
24 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
25 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
26 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
27 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
28 of 67 6/22/24, 9:00 PM

--- --- --- --- --- $1,592
--- --- --- --- --- $0
--- --- --- --- --- $575
--- --- --- --- --- $40

OK OK OK OK OK OK

$64 $307 $191 $635 $1,575 $1,137
$0 $0 $0 $0 $0 $0
$1,683 $211 $423 $364 $40 $2,109
$7 $40 $40 $40 $55 $40

OK OK OK OK OK OK
Total Months: 8
29 of 67 6/22/24, 9:00 PM

$536 $2,293 $317 $110 $1,408 $613
$0 $0 $0 $0 $0 $0
$1,415 $536 $2,641 $943 $0 $1,995
$40 $40 $40 $40 $40 $40

OK OK OK OK OK OK

$586 $72 $94 $233 $517 $1,306
$0 $0 $0 $0 $0 $0
$1,038 $910 $309 $0 $773 $573
$40 $54 $40 $40 $40 $40

OK OK OK OK OK OK
Total Months: 8
30 of 67 6/22/24, 9:00 PM

$285 $194 $191 $184 $80 $1,167
$0 $0 $0 $0 $0 $0
$2,850 $1,832 $310 $1,189 $549 $0
$78 $40 $3 $40 $40 $40

OK OK OK OK OK OK
January 2024 February 2024 March 2024 April 2024 May 2024
Balance Balance Balance Balance Balance

$1,126 $231 $207 $748 $0
Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$1,167 $1,296 $324 $536 $2,359
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$40 $40 $40 $47 ---

OK OK OK OK OK
Total Months: 8
FB&T/MERCURY FINANCIAL 523222000013****
Account Information
Address P O BOX 84064 COLUMBUS, GA 31908
Phone (866) 686-2158
Monthly Payment $0
31 of 67 6/22/24, 9:00 PM
Loan Type CREDIT CARD
Balance $969
Payment Received $0
Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
32 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
33 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
34 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 8
35 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- $2,724 $2,739
--- --- --- --- $0 $0
--- --- --- --- $1,108 $2,383
--- --- --- --- $15 $27

OK OK OK OK OK OK
Total Months: 8
36 of 67 6/22/24, 9:00 PM

$2,480 $2,552 $2,652 $2,884 $2,615 $2,688
$0 $0 $0 $0 $0 $0
$2,739 $2,480 $2,552 $2,652 $2,884 $2,615
$27 $24 $25 $26 $28 $26

OK OK OK OK OK OK

$2,684 $1,538 $3,563 $3,198 $3,223 $3,252
$0 $0 $0 $0 $0 $0
$2,688 $7,197 $1,538 $3,563 $3,198 $3,223
$26 $26 $15 $35 $31 $32

OK OK OK OK OK OK
Total Months: 8
37 of 67 6/22/24, 9:00 PM

$4,163 $3,124 $3,011 $3,679 $2,923 $2,937
$0 $0 $0 $0 $0 $0
$3,252 $4,163 $3,124 $3,011 $3,679 $2,923
$32 $41 $31 $30 $36 $29

OK OK OK OK OK OK

$3,517 $3,080 $3,129 $3,518 $1,418 $4,725
$0 $0 $0 $0 $0 $0
$2,937 $3,517 $3,080 $3,129 $3,518 $1,418
$29 $35 $30 $31 $35 $15

OK OK OK OK OK OK
Total Months: 8
38 of 67 6/22/24, 9:00 PM
February 2024 March 2024 April 2024 May 2024 June 2024
Balance Balance Balance Balance Balance

$2,132 $445 $443 $0 $969
Past Due Past Due Past Due Past Due Past Due
$0 $0 $0 $0 $0
Amount Paid Amount Paid Amount Paid Amount Paid Amount Paid
$4,725 $2,951 $445 $443 $0
Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment Scheduled Payment
$47 $21 $15 --- $0

OK OK OK OK OK
Total Months: 8
FULTON BANK 447821****
Account Information
Address P O BOX 4887 LANCASTER, PA 17604-4887
Phone (800) 385-8664
Account Type Line of Credit Account
Loan Type LINE OF CREDIT
Balance $0
Payment Received $0
Terms Paid Monthly
39 of 67 6/22/24, 9:00 PM
Payment History
December 2019 January 2020 February 2020 March 2020 April 2020 May 2020

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
June 2020 July 2020 August 2020 September 2020 October 2020 November 2020

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 5
40 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

OK OK OK OK OK OK
Total Months: 5
41 of 67 6/22/24, 9:00 PM

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

OK OK OK OK OK OK

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

OK OK OK OK OK OK
Total Months: 5
42 of 67 6/22/24, 9:00 PM

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

OK OK OK OK OK OK
Total Months: 5
JPMCB CARD SERVICES 426684165503****
Account Information
Address PO BOX 15369 WILMINGTON, DE 19850
Phone (800) 945-2000
Monthly Payment $68
Balance $68
43 of 67 6/22/24, 9:00 PM
Credit limit of $12,000 from 12/2021 to 08/2022;
$17,000 from 09/2022 to 01/2023; $42,000 from
Credit Limit (Hist.) 02/2023 to 06/2024
Payment History

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 7
44 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 7
45 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- $166
--- --- --- --- --- $0
--- --- --- --- --- $40

OK OK OK OK OK OK
Total Months: 7
46 of 67 6/22/24, 9:00 PM

$0 $241 $123 $0 $213 $0
$0 $0 $0 $0 $0 $0
--- $40 $40 --- $40 ---

OK OK OK OK OK OK

$0 $59 $936 $6,823 $1,931 $681
$0 $0 $0 $0 $0 $0
--- $40 $40 $68 $40 $40

OK OK OK OK OK OK

$0 $0 $336 $644 $1,192 $96
$0 $0 $0 $0 $0 $0
--- --- $40 $40 $40 $40

OK OK OK OK OK OK
Total Months: 7
47 of 67 6/22/24, 9:00 PM

$2,313 $3,166 $3,246 $0 $0 $3,225
$0 $0 $0 $0 $0 $0
$40 $40 $40 --- --- $40

OK OK OK OK OK OK

$193 $119 $138 $0 $464 $68
$0 $0 $0 $0 $0 $0
$40 $40 $40 --- $40 $68

OK OK OK OK OK OK
Total Months: 7
M & T BANK 1100014791749****
Account Information
Address PO BOX 900 MILLSBORO, DE 19966
Phone (866) 408-2727
Monthly Payment $0
Account Type Installment Account
Loan Type AUTOMOBILE
48 of 67 6/22/24, 9:00 PM
Balance $0
Terms $0 per month, paid Monthly for 84 months
Remarks CLOSED
Payment History

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
Total Months: 4
49 of 67 6/22/24, 9:00 PM

OK N/R OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
Total Months: 4
SYNCB/JC PENNEY 600889146291****
Account Information
Address PO BOX 71729 PHILADELPHIA, PA 19176
Phone (866) 227-5213
Loan Type CHARGE ACCOUNT
Balance $0
Payment Received $0
50 of 67 6/22/24, 9:00 PM
Terms Paid Monthly
High balance of $105 from 12/2021 to 05/2022; $290

from 06/2022 to 06/2022; $294 from 07/2022 to
High Balance (Hist.) 07/2022; $294 from 01/2023 to 01/2023
Credit limit of $500 from 12/2021 to 07/2022; $500

Credit Limit (Hist.) from 01/2023 to 01/2023
Payment History
May 2018 June 2018 July 2018 August 2018 September 2018 October 2018

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 5
51 of 67 6/22/24, 9:00 PM
November 2018 December 2018 January 2019 February 2019 March 2019 April 2019

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 5
52 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 5
53 of 67 6/22/24, 9:00 PM

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK
Total Months: 5
54 of 67 6/22/24, 9:00 PM

--- $0 $0 $0 $0 $0
--- $0 $0 $0 $0 $0
--- $0 $0 $0 $0 $0
--- --- --- --- --- ---

--- --- --- --- --- ---

OK OK OK OK OK OK

$0 $290 $0 --- --- ---
$0 $0 $0 --- --- ---
$0 $0 $5 --- --- ---
--- $27 --- --- --- ---

--- --- CBC/CLO --- --- ---

OK OK OK OK OK OK
Total Months: 5
55 of 67 6/22/24, 9:00 PM
November 2022 December 2022 January 2023
Balance Balance Balance

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

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

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

--- --- ---
Remarks Remarks Remarks

--- --- CBC/CLO
Rating Rating Rating

OK OK OK
Total Months: 5
TRUIST BANK 59056976660****
Account Information
Address PO BOX 849 WILSON, NC 27894
Phone (844) 487-8478
Monthly Payment $0
Account Type Installment Account
Loan Type AUTOMOBILE
Balance $0
56 of 67 6/22/24, 9:00 PM
Remarks CLOSED
Payment History

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
Total Months: 3
57 of 67 6/22/24, 9:00 PM
January 2019 February 2019 March 2019 April 2019 May 2019

OK OK OK OK OK
Total Months: 3
VANDERBILT MRTGE & FIN 13288**
Account Information
Address PO BOX 9800 MARYVILLE, TN 37802-9800
Phone (800) 970-7250
Monthly Payment $0
Account Type Mortgage Account
Loan Type CONVENTIONAL REAL ESTATE MTG
Balance $0
Payment Received $0
Remarks CLOSED
Payment History
58 of 67 6/22/24, 9:00 PM

X X OK OK OK OK

OK OK OK OK OK OK

OK OK OK OK OK OK
October 2020 November 2020
Rating Rating
OK OK
Total Months: 20
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 BANK via XACTUS LLC
Location Requested On Phone

600 SAW MILL ROAD 06/18/2024 (800) 243-0120
WEST HAVEN, CT 06516
Inquiry Type Permissible Purpose

Individual CREDIT TRANSACTION
Promotional Inquiries
The companies listed below received your name, address and other limited information about you so they could make a firm
59 of 67 6/22/24, 9:00 PM
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
AMICA INSURANCE

POB 6008 02/26/2024, 12/26/2023, 10/26/2023, (800) 242-6422
PROVIDENCE, RI 02940 08/26/2023, 06/26/2023
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
FB&T/CRDTSHOP

221 W 6TH ST 05/31/2024 (800) 317-9240
SUITE 825
AUSTIN, TX 78701
ELAN FIN SVCS

PO BOX 108 05/30/2024 (866) 234-4750
SAINT LOUIS, MO 63166
FULTON BANK LANCASTER

1 PENN SQ 04/23/2024 (800) 385-8664
LANCASTER, PA 17602-2853
EMILIA MCCAULEY via TRANSUNION INTERACTIVE IN

100 CROSS ST 06/22/2024, 06/22/2024 (855) 681-3196
STE 202
SAN LUIS OBISPO, CA 93401
TU INTERACTIVE
60 of 67 6/22/24, 9:00 PM
100 CROSS ST 06/22/2024 (844) 580-6816
202
CONSUMERINFO.COM

475 ANTON BLVD 06/18/2024, 06/17/2024 (888) 397-3742
COSTA MESA, CA 92626
EMILIA ORNELAS via TRANSUNION INTERACTIVE IN

100 CROSS ST 06/27/2022 (855) 681-3196
STE 202
# 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.
Inquiry Analysis
The companies that request your credit report must first provide certain information about you. Within the past 90 days,
companies that requested your report provided the following information.
Requested
Name
On
EMILIA ORNELAS 06/18/2024
Address
7 TULANE DR REHOBOTH BEACH, DE
19971-9419
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
61 of 67 6/22/24, 9:00 PM
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
62 of 67 6/22/24, 9:00 PM
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.
63 of 67 6/22/24, 9:00 PM
!"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.
(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
64 of 67 6/22/24, 9:00 PM
Asst. General Counsel for
Office of Aviation
Protection
Department of
3. Air carriers
Transportation
1200 New Jersey Avenue,
S.E.
Office of Public
Assistance,
Governmental Affairs,
and
4. Creditors Subject to the Surface Transportation Board
Compliance Surface
Transportation Board
395 E Street, S.W.
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
Securities and Exchange
Commission
7. Brokers and Dealers
100 F Street, N.E.
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.
(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
65 of 67 6/22/24, 9:00 PM
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 !
66 of 67 6/22/24, 9:00 PM
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 !.
67 of 67 6/22/24, 9:00 PM

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Personal Credit Report for:

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

Credit Report Date

Social Security Number

PO BOX 106 NASSAU, DE 19969-0106

16831 RANDOR DR MILTON, DE 19968-3439

342 W GLENWOOD AVE SMYRNA, DE 19977-1064

220 BEISER BLVD DOVER, DE 19904-7790

31121 CREPE MYRTLE DR MILLSBORO, DE 19966-4692

1446 S DUPONT BLVD APT 132 SMYRNA, DE 19977-1805

1 STAR M CAMDEN WYOMING, DE 19934

BOOKS & ASSOCIATES

BOOK & ASSOCIATES P A

Occupation Date Verified

RAYMOND BOOK ASSC

Occupation Date Verified

RAYMOND F BOOK & ASSOC

Location Occupation Date Verified

R F BOOK & ASSOCIATES

Occupation Date Verified

R F BOOK & ASSOC PA

Occupation Date Hired Date Verified

OK Current, paying or paid as agreed

N/R Not Reported

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

C/O Charged off by account provider

AAP: Loan assumed by another party

Accounts with Adverse Information

WATERFALL REVENUE GROUP 101190****

Address 2297 HIGHWAY 22 #906 HAMILTON SQUARE, NJ 08690

Phone (609) 771-9200

Date Opened 09/13/2022

Responsibility Individual Account

Account Type Open Account

Loan Type COLLECTION AGENCY/ATTORNEY

Date Updated 06/11/2024

High Balance $721

Original Creditor DELAWARE CARDIOVASCULAR ASSOCI

Past Due $721

Pay Status >Collection<

Estimated month and year this item will be removed 01/2026

Remarks >PLACED FOR COLLECTION<

CITICARDS CBNA 518941016123****

5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD

Monthly Payment $41

Date Opened 10/13/2018

Responsibility Individual Account

Account Type Revolving Account

Loan Type FLEXIBLE SPENDING CREDIT CARD

Date Updated 06/20/2024

Last Payment Made 06/17/2024

Pay Status Current; Paid or Paying as Agreed

Terms $41 per month; paid Monthly

High Balance (Hist.) High balance of $3,306 from 12/2021 to 06/2024