EQUIFAX. CREDIT FILE : January 19, 2017 Confirmation # Lakeisha J Chandler
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1 EQUIFAX CREDIT FILE : January 19, 2017 Confirmation # Dear Lakeisha J Chandler: Below are the results of your reinvestigation request and, as applicable, any revisions to your credit file. If you have additional questions regarding the reinvestigated items, please contact the source of that information directly. You may also contact Equifax regarding the specific information contained within this letter or report within the next 60 days by visiting us at or by calling a Customer Representative at (888) from 9:00am to 5:00pm Monday Friday in your time zone. For an added convenience, use one of the below options to start an investigation or check the status of your dispute. Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute Lakeisha J Chandler 4901 Indialantic Dr Orlando, FL P. O. Box Atlanta, GA Visit us at or Call us at Thank you for giving Equifax the opportunity to serve you. The Results Of Our Reinvestigation >>> We have reviewed the inquiry information. The results are: Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact: Capital One Bank USA Na, PO Box 30281, Salt Lake City UT Phone: (800) >>> We have reviewed the inquiry information. The results are: Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact: Badcock Furniture, W Colonial Dr, Winter Garden FL Collection Agency Information (This section includes accounts that have been placed for collection with a collection agency.) >>> We have researched the collection account. Account # The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: Source Receivables Managem, 4615 Dundas Dr Ste 102, Greensboro NC Phone: (336) Source Receivables Management,; Collection Reported 01/2017; Assigned 03/2016; or Class Cable/Cellular; Client Sprint; $543 ; Status as of 01/2017 Unpaid; Date of 1st Delinquency 01/2015; Balance as of 01/2017 $543 ; Individual Account; Account # ; ADDITIONAL INFORMATION Consumer Disputes This Account Information; Collection Account; Address: 4615 Dundas Dr Ste 102 Greensboro NC : (336) >>> We have researched the collection account. Account # The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact: Gold Key Inc, PO Box 15670, Brooksville FL Phone: (800) >>> We have researched the collection account. Account # The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: General Revenue Corp, 4660 Duke Dr Ste 300, Mason OH General Revenue; Collection Reported 01/2017; Assigned 05/2016; or Class Educational; Client Strayer Univ; $160 ; Status as of 01/2017 Unpaid; 1st Delinquency 11/2015; Balance as of 01/2017 $160 ; Individual Account; Account # ; Address: 4660 Duke Dr Ste 300 Mason OH : (513) ( Continued On Next Page ) Page 1 of 6
2 >>> We have researched the collection account. Account # The results are: We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact: Syndicated Office Systems, PO Box , Dallas TX Phone: (800) Syndicated Office Systems; Collection Reported 01/2017; Assigned 05/2014; or Class Medical/Health Care; Client Florida Medical Center; $750 ; Status as of 01/2017 Paid; 1st Delinquency 02/2014; Balance as of 01/2017 $0 ; Last Date 03/2015; Individual Account; Account # ; ADDITIONAL INFORMATION Consumer Disputes After Resolution; Collection Account; Address: PO Box Dallas TX : (800) >>> We have researched the collection account. Account # The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: Gulf Coast Collection Bure, 5630 Marquesas Cir, SARASOTA FL Phone: (877) Gulf Coast Collection Bureau,; Collection Reported 01/2017; Assigned 04/2015; or Class Medical/Health Care; Client FL United RAD FL Med Cntr; $207 ; Status as of 01/2017 Unpaid; 1st Delinquency 12/2014; Balance as of 01/2017 $207 ; Individual Account; Account # ; ADDITIONAL INFORMATION Consumer Disputes This Account Information; Collection Account; Address: 5630 Marquesas Cir Sarasota FL : (877) >>> We have researched the collection account. Account # The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: Syndicated Office Systems, PO Box , Dallas TX Phone: (800) Syndicated Office Systems; Collection Reported 01/2017; Assigned 06/2015; or Class Medical/Health Care; Client Florida Medical Center; $750 ; Status as of 01/2017 Unpaid; 1st Delinquency 12/2014; Balance as of 01/2017 $750 ; Individual Account; Account # ; ADDITIONAL INFORMATION Consumer Disputes After Resolution; Collection Account; Address: PO Box Dallas TX : (800) >>> We have researched the collection account. Account # The results are: This item has been deleted from the credit file. If you have additional questions about this item please contact: Virtuoso Sourcing Grp LLC, 3033 S Parker Rd Ste 1000, Aurora CO Phone: (303) Account Information (For your security, the last 4 digits of account number(s) have been replaced by *) (This section includes open and closed accounts reported by credit grantors) Account History 1 : Days Past Due 5 : Days Past Due J : Voluntary Surrender 2 : Days Past Due 6 : 180 or More Days Past Due K : Repossession Status Code 3 : Days Past Due G : Collection Account L : Charge Off Descriptions 4 : Days Past Due H : Foreclosure >>> We have researched the credit account. Account # * The results are: This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. If you have additional questions about this item please contact: Orlando Postal Service Cre, PO Box 8765, Orlando FL Priority Union PO BOX 8765 ORLANDO FL Account Number * Items As of Date Reported Balance Past Due Date Opened 09/26/2012 $0 Last Paymnt High Actual Paymnt Limit $0 Scheduled Paymnt Terms Duration 42M 1st Delinquency Terms Frequency 01/19/2017 $2,308 $0 04/2015 $5 $2,308 12/ /2015 $2,308 $0 Status Charge Off; Type of Account Installment; Type of Loan ; Whose Account Individual Account; ADDITIONAL INFORMATION Charged Off Account; ; Account History 11/ / / / / / / / / / / / / / / / / / / / /2015 with Status Codes L L L L L L L L L L L L L L L L L L L L 3 02/ / / Monthly Last Activity Date Maj. Del. 1st Rptd Months Revd 49 Charge Off Activity Designator Deferred Pay Start Date Balloon Pay or Classification Balloon Pay Date Date Closed ( Continued On Next Page ) Page 2 of 6
3 CREDIT FILE : January 19, 2017 Confirmation # Historical Account Information Balance Scheduled Actual Last High Limit Past Due Type of Loan Activity Designator 12/16 No Data Available 11/16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /16 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/2015 ( Continued On Next Page ) Page 3 of 6
4 Historical Account Information Balance Scheduled Actual Last High Limit Past Due Type of Loan Activity Designator 11/15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $2,308 $2,308 $5 4/1/ /15 $4,809 $264 $1,330 3/1/2015 $6,139 $1,055 02/15 $6,139 $264 $254 1/1/2015 $6,139 $791 01/15 $5,704 $264 $254 1/1/2015 $5,882 $527 ( Continued On Next Page ) Page 4 of 6
5 CREDIT FILE : January 19, 2017 Confirmation # Answers To Your Questions * In reference to your question regarding inquiries: Inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last two years. As you review inquiries on your Equifax credit file, consider the following: * A third party may access your Equifax credit file to assist in the underwriting of your request for credit. This is often the case when you request a retail store credit account, or when you apply for some mortgage products; * If you apply to have certain services, such as utilities (gas, electricity, water, etc.), phone service, or home security, your application, whether verbal or in writing, generally allows the company to make a credit inquiry; and * A signed application or an affirmative consent to pull credit is not required for a company to pull credit if you have indicated you are applying for credit (This does not apply to Vermont residents, who must provide affirmative consent.). Additionally, there are inquiries that only you can see on your Equifax credit file and that do not impact your credit score. The following are examples: * An account review inquiry by a company with which you have a loan/credit account; * A collection inquiry by a company with whom you do business or a company that has purchased your account or been assigned the collection of your account; * An inquiry by a company for the purposes of investing in a loan portfolio or purchasing your account or the servicing of it; and * A promotional inquiry by a company, but only if they find you qualify for, and you are made, a firm offer of credit or insurance. Notice to Consumers You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputing the accuracy or completeness of the information; the statement should be brief and may be limited to not more than one hundred words (two hundred words for Maine residents) explaining the nature of your dispute. If the reinvestigation results in the deletion of disputed information, or you submit a statement in accordance with the preceding paragraph, you have the right to request that we send your revised credit file to any company specifically designated by you that received your credit report in the past six months (twelve months for California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past two years for employment purposes. ( Continued On Next Page ) Page 5 of 6
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