Determine how responsible an individual is with employment, tradeline,
collection, public record, and inquiry information.
TRANS UNION 555 W. ADAMS CHICAGO, IL
60604 800-888-4213 Date Reported: 5/20/2003
Personal Information
Name:
JOHN CONSUMER
Date of Birth:
SSN:
000-00-0000
Phone:
456-7890
On File Since:
6/1/2001
Address:
5 E ANYSTREET
FANTASY ISLAND IL 60750
Reported On:
8/1/2001
Address:
7 E ANYSTREET
LARCHMONT NY 10538
Reported On:
6/1/2001
Employment Information
Company Name:
ANYCOMPANY
Occupation:
Date Hired:
5/1/2003
Separation Date:
Income:
Company Name:
ANYCOMPANY
Occupation:
RETAIL SALES
Date Hired:
Separation Date:
Income:
Company Name:
COMPANY CORPORATION
Occupation:
Date Hired:
Separation Date:
Income:
Company Name:
MISC
Occupation:
E
Date Hired:
Separation Date:
Income:
Report Summary
Total # of Trades:
3
Current Trades:
1
Unrated Trades:
0
Curr Neg Trades:
2
Hist Neg Trades:
0
No. of Accts Paid:
0
Curr Past Due:
2
Amount Past Due:
$2,746
30 Days:
0
60 Days:
0
90+ Days:
0
Inquiries:
10
Inq. last 6 mnths:
7
Public Records:
2
Collections:
2
Oldest Trade:
1/1/1996
Accounts Balance:
$3,790
Mnthly Payment:
$20
Credit Limit:
$1,600
High Credit:
$2,746
Total Real Est. Bal.:
Total Rev. Bal.:
$1,044
Tot. Installment Bal.:
$2,596
Available %:
35
Collections
Creditor
Date Reported
Member Number
Amount
Industry Code
Verified Date
Account Number
Balance
Status
Date Closed
Closed Ind
Narratives
TEST
5/1/2001
0596D001/CAPITAL CRDT
$5,845
Collection services
1/1/2003
-
$5,845
(9B)Collection account
-
-
Placed for
collection
TEST
1/1/2002
0596D001/CAPITAL CRDT
$245
Collection services
8/1/2002
-
$245
(9B)Collection account
-
-
Placed for
collection
Public Records
Record Type
Date Reported
Member Number
Amount
Court Type
Date Paid
Plaintiff
Assets
Docket
ACC Designator
Attorney
Liability
Industry
Public Record Disposition
Civil judgement
1/1/2002
05027021
$1,500
-
-
-
986146
Individual account
-
-
Miscellaneous and public record
Civil judgement
1/1/2002
05027021
$789
-
-
-
98643314
Individual account
-
-
Miscellaneous and public record
Trade Lines
Firm Name/ID
Opened
Credit Limit
Balance
MoPmnt
30
60
90
Account Number
Reported
High Credit
Past Due
MoRep
Pattern
Acct. Type
KOB
Chargeoff
Orig. Amt.
Date Closed
Terms
Status
Closed Ind
Owner
Narratives
AL GAS/075GY001
1/1/2002
-
$2,596
-
-
-
-
5/1/2003
$2,596
$2,596
-
-
Installment account
Utilities and fuel
-
-
-
-
(9B)Collection account
-
Individual account
Placed for collection
BOSS FINANCI/034GJ001
1/1/1996
-
$150
-
-
-
-
4/1/2003
$150
$150
-
-
Open account
Finance, personal
-
-
-
-
(9B)Collection account
-
Individual account
Placed for collection
CITI/064DB002
6/1/2001
$1,600
$1,044
$20
0
0
0
4/1/2003
$0
$0
23
Revolving account
Banks and S&Ls
-
-
-
MIN
(01)Paid or paying as agreed
-
Individual account
Inquiries
Date
Subscriber Name
Subscriber #
Amount
5/20/2003
MICR PEERTST
01621001
5/19/2003
TEST CODE
00000004
3/26/2003
EQUIFAX MTG
00008281
1/17/2003
00001243
1/17/2003
00001240
1/3/2003
VOLVO
01212622
12/28/2002
CITIMORTGAGE
00023746
6/3/2001
CITI
00012831
12/11/2000
RESRCH ASSOC
00029038
8/20/2000
CITI
00012896
Warning Messages
Credit data not suppressed
Consumer Bill of
Rights statement: A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING
ACT*THE FEDERAL FAIR CREDIT REPORTING ACT (FCRA) IS DESIGNED TO PROMOTE
ACCURACY,
FAIRNESS, AND PRIVACY OF INFORMATION IN THE FILES OF EVERY
"CONSUMER REPORTING AGENCY" (CRA). MOST CRA'S ARE CREDIT BUREAUS THAT GATHER AND
SELL INFO
RMATION ABOUT YOU -- SUCH AS IF YOU PAY YOUR BILLS ON TIME OR
HAVE FILED BANKRUPTCY -- TO CREDITORS, EMPLOYERS, LANDLORDS, AND OTHER
BUSINESSES. YOU
CAN FIND THE COMPLETE TEXT OF THE FCRA, 15 U.S.C
$$1681-1681U, AT THE FEDERAL TRADE COMMISSION'S WEB SITE (HTTP://WWW.FTC.GOV).
THE FCRA GIVES YOU SP
ECIFIC RIGHTS, AS OUTLINED BELOW. YOU MAY HAVE
ADDITIONAL RIGHTS UNDER STATE LAW. YOU MAY CONTACT A STATE OR LOCAL CONSUMER
PROTECTION AGENCY OR A ST
ATE ATTORNEY GENERAL TO LEARN THOSE RIGHTS.*-
YOU MUST BE TOLD IF INFORMATION IN YOUR FILE HAS BEEN USED AGAINST YOU. ANYONE
WHO USES INFORMATION FR
OM A CRA TO TAKE ACTION AGAINST YOU -- SUCH AS
DENYING AN APPLICATION FOR CREDIT, INSURANCE, OR EMPLOYMENT -- MUST TELL YOU,
AND GIVE YOU THE NAME
, ADDRESS, AND PHONE NUMBER OF THE CRA THAT
PROVIDED THE CONSUMER REPORT.*- YOU CAN FIND OUT WHAT IS IN YOUR FILE. AT YOUR
REQUEST, A CRA MUST GIVE
YOU THE INFORMATION IN YOUR FILE, AND A LIST OF
EVERYONE WHO HAS REQUESTED IT RECENTLY. THERE IS NO CHARGE FOR THE REPORT IF A
PERSON HAS TAKEN
ACTION AGAINST YOU BECAUSE OF INFORMATION SUPPLIED BY
THE CRA. IF YOU REQUEST THE REPORT WITHIN 60 DAYS OF RECEIVING NOTICE OF THE
ACTION. YOU A
LSO ARE ENTITLED TO ONE FREE REPORT EVERY TWELVE MONTHS
UPON REQUEST IF YOU CERTIFY THAT (1) YOU ARE UNEMPLOYED AND PLAN TO SEEK
EMPLOYMENT WITHIN
60 DAYS, (2) YOU ARE ON WELFARE, OR (3) YOUR REPORT IS
INACCURATE DUE TO FRAUD. OTHERWISE, A CRA MAY CHARGE YOU UP TO NINE DOLLARS.*-
YOU CAN DIS
PUTE INACCURATE INFORMATION WITH THE CRA. IF YOU TELL A CRA
THAT YOUR FILE CONTAINS INACCURATE INFORMATION, THE CRA MUST INVESTIGATE THE
ITEMS (U
SUALLY WITHIN 30 DAYS) BY PRESENTING TO ITS INFORMATION SOURCE
ALL RELEVANT EVIDENCE YOU SUBMIT, UNLESS YOUR DISPUTE IS FRIVOLOUS. THE SOURCE
MUST
REVIEW YOUR EVIDENCE AND REPORT ITS FINDINGS TO THE CRA. (THE SOURCE
ALSO MUST ADVISE NATIONAL CRA'S -- TO WHICH IT HAS PROVIDED THE DATA -- OF
A
NY ERROR.) THE CRA MUST GIVE YOU A WRITTEN REPORT OF THE INVESTIGATION,
AND A COPY OF YOUR REPORT IF THE INVESTIGATION RESULTS IN ANY CHANGE.
IF
THE CRA'S INVESTIGATION DOES NOT RESOLVE THE DISPUTE, YOU MAY ADD A
BRIEF STATEMENT IN FUTURE REPORTS. IF AN ITEM IS DELETED OR A DISPUTE
STATEM
ENT IS FILED, YOU MAY ASK THAT ANYONE WHO HAS RECENTLY RECEIVED
YOUR REPORT BE NOTIFIED OF THE CHANGE.*- INACCURATE INFORMATION MUST BE
CORRECTED
OR DELETED. A CRA MUST REMOVE OR CORRECT INACCURATE OR
UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS AFTER YOU DISPUTE
IT. HOWEV
ER, THE CRA IS NOT REQUIRED TO REMOVE ACCURATE DATA FROM YOUR
FILE UNLESS IT IS OUTDATED (AS DESCRIBED BELOW) OR CANNOT BE VERIFIED. IF YOUR
DISP
UTE RESULTS IN ANY CHANGE TO YOUR REPORT, THE CRA CANNOT REINSERT
INTO YOUR FILE A DISPUTED ITEM UNLESS THE INFORMATION SOURCE VERIFIES ITS
ACCURA
CY AND COMPLETENESS. IN ADDITION, THE CRA MUST GIVE YOU A WRITTEN
NOTICE TELLING YOU IT HAS REINSERTED THE ITEM. THE NOTICE MUST INCLUDE THE
NAM
E, ADDRESS AND PHONE NUMBER OF THE INFORMATION SOURCE.*- YOU CAN
DISPUTE INACCURATE ITEMS WITH THE SOURCE OF THE INFORMATION. IF YOU TELL ANYONE
--
SUCH AS A CREDITOR WHO REPORTS TO A CRA -- THAT YOU DISPUTE AN ITEM
THEY MAY NOT THEN REPORT THE INFORMATION TO A CRA WITHOUT INCLUDING A
NOTICE
OF YOUR DISPUTE. IN ADDITION, ONCE YOU'VE NOTIFIED THE SOURCE OF
THE ERROR IN WRITING, IT MAY NOT CONTINUE TO REPORT THE INFORMATION IF IT IS,
IN
FACT, AN ERROR.*- OUTDATED INFORMATION MAY NOT BE REPORTED. IN MOST
CASES, A CRA MAY NOT REPORT NEGATIVE INFORMATION THAT IS MORE THAN SEVEN
YEARS
OLD; TEN YEARS FOR BANKRUPTCIES.*- ACCESS TO YOUR FILE IS LIMITED.
A CRA MAY PROVIDE INFORMATION ABOUT YOU ONLY TO PEOPLE WITH A NEED
RECOGNIZED
BY THE FCRA -- USUALLY TO CONSIDER AN APPLICATION WITH A
CREDITOR, INSURER, EMPLOYER, LANDLORD, OR OTHER BUSINESS.*- YOUR CONSENT IS
REQUIRED FOR R
EPORTS THAT ARE PROVIDED TO EMPLOYERS, OR REPORTS THAT
CONTAIN MEDICAL INFORMATION. A CRA MAY NOT GIVE OUT INFORMATION ABOUT YOU TO
YOUR EMPLOYER
, OR PROSPECTIVE EMPLOYER, WITHOUT YOUR WRITTEN CONSENT. A
CRA MAY NOT REPORT MEDICAL INFORMATION ABOUT YOU TO CREDITORS, INSURERS, OR
EMPLOYERS
WITHOUT YOUR PERMISSION.*- YOU MAY CHOOSE TO EXCLUDE YOUR NAME
FROM CRA LISTS FOR UNSOLICITED CREDIT AND INSURANCE OFFERS. CREDITORS AND
INSURERS M
AY USE FILE INFORMATION AS THE BASIS FOR SENDING YOU
UNSOLICITED OFFERS OF CREDIT OR INSURANCE. SUCH OFFERS MUST INCLUDE A TOLL-FREE
PHONE NUMBER
FOR YOU TO CALL IF YOU WANT YOUR NAME AND ADDRESS REMOVED
FROM FURTURE LISTS. IF YOU CALL, YOU MUST BE KEPT OFF THE LISTS FOR TWO YEARS.
IF YOU
REQUEST, COMPLETE, AND RETURN THE CRA FORM PROVIDED FOR THIS
PURPOSE, YOU MUST BE TAKEN OFF THE LISTS INDEFINITELY.*- YOU MAY SEEK DAMAGES
FROM VIOL
ATORS. IF A CRA, A USER OR (IN SOME CASES) A PROVIDER OF CRA
DATA, VIOLATES THE FCRA, YOU MAY SUE THEM IN STATE OR FEDERAL COURT.*THE FCRA
GIVES
SEVERAL DIFFERENT FEDERAL AGENCIES AUTHORITY TO ENFORCE THE
FCRA:*FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:*CRA'S CREDITORS AND
OTHERS NO
T FEDERAL TRADE COMMISSION LISTED BELOW CONSUMER RESPONSE
CENTER - FCRA WASHINGTO
N, DC 20580 1-877-FTC-HELP*NATIONAL BANKS,
FEDERAL BRANCHES / OFFICE OF THE COMPTROLLER OF THE CURRENCY AGEN
CIES OF
FOREIGN BANKS (WORD COMPLIANCE MANAGEMENT, MAIL STOP 6-6 "NATIONAL" OR INITIALS
"N.A." WASHINGTON, DC 20219 APPEAR IN OR AFTER B
ANK'S NAME)
800-613-6743*FEDERAL RESERVE SYSTEM MEMBER BANKS FEDERAL RESERVE BOARD (EXCEPT
NATIONAL BANKS, AND FEDERAL DIVISION OF CONSUMER &
COMMUNITY AFFAIRS
BRANCHES / AGENCIES OF FOREIGN WASHINGTON, DC 20551 BANKS) 202-452-3693*SAVINGS
ASSOCIATIONS
AND FEDERALLY OFFICE OF THRIFT SUPERVISION CHARTERED SAVINGS
BANKS (WORD CONSUMER PROGRAMS "FEDERAL" OR INITIALS "F.S.B." WASHINGTON
,
DC 20552 APPEAR IN FEDERAL INSTITUTION'S 800-842-6929*FEDERAL CREDIT UNIONS
(WORDS NATIONAL CREDIT UNION ADMINISTRATION "FEDERAL CRE
DIT UNION"
APPEAR IN 1775 DUKE STREET INSTITUTION'S NAME) ALEXANDRIA, VA 22314
703-518-636
0*STATE-CHARTERED BANKS THAT ARE NOT FEDERAL DEPOSIT
INSURANCE CORPORATION MEMBERS OF THE FEDERAL RESERVE DIVISION OF COMPLIANCE
& CONSUMER
AFFAIRS SYSTEM WASHINGTON, DC 20429 800-934-FDIC*AIR,
SURFACE, OR RAIL COMMON
DEPARTMENT OF TRANSPORTATION CARRIERS REGULATED
BY FORMER CIVIL OFFICE OF FINANCIAL MANAGEMENT AERONAUTICS BOARD OR INTERSTATE
WASHINGT
ON, DC 20590 202-366-1306*ACTIVITIES SUBJECT TO THE PACKERS
DEPARTMENT OF AGRICULTURE AND STOCKYARDS ACT, 19
21 OFFICE OF DEPUTY
ADMINISTRATOR - GIPSA WASHINGTON, DC 20250