UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF FLORIDA TAMPA DIVISION
CRISTINA LACEY,
Plaintiff,
v. Case No. 8:21-cv-519-02-JSS
TRANSUNION, LLC; WELLS FARGO BANK, N.A. d/b/a WELLS FARGO HOME MORTGAGE;
Defendants. _____________________________________/
ORDER GRANTING DISMISSAL WITH PREJUDICE
Plaintiff Cristina Lacey sues Defendants TransUnion LLC and Wells Fargo Mortgage under the Fair Credit Reporting Act (“FCRA”). Before the Court today are the Defendants’ Motions to Dismiss, Dkts. 18 and 19; Plaintiff’s responses, Dkts. 20 and 30; and TransUnion’s reply, Dkt. 23. Defendants argue Plaintiff has failed to state a claim under Fed. R. Civ. P. 12(b)(6) because the credit report is factually accurate. The credit report at issue in this case is attached as an Appendix at the end of this opinion. After reviewing these motions, the case record, and the opposition briefs filed by Plaintiff, the Court grants the motions and dismisses Plaintiff’s Complaint with prejudice because the credit report is not materially misleading. In short, although Defendant Wells Fargo furnished derogatory information about Plaintiff and Defendant TransUnion then used the derogatory information in the credit report, this
information was factually accurate. The credit report is therefore materially accurate to any reasonable commercial reader, and it is not “nonsensical and illogical” to the point of inaccuracy as Plaintiff contends.
BACKGROUND Plaintiff has experienced credit problems. Her credit report during the relevant period shows more adverse accounts than satisfactory accounts. That report, which Plaintiff comments upon and does not object to the undersigned
considering (at least as to TransUnion), is attached to this Order.1 See Appendix. Plaintiff does not contend the report is unauthentic, and it is properly verified. Dkt. 18-1.
1 This entire suit is about Plaintiff’s credit report. But Plaintiff did not attach the report to her Complaint. Instead, TransUnion provided the credit report in its Motion to Dismiss. Dkt. 18- 2. In responding to TransUnion, Plaintiff does not object to the Court considering the credit report, and Plaintiff commented on the report without objection in Plaintiff’s response to TransUnion’s motion. Dkt. 20 at 6. In her response to Wells Fargo’s motion, Plaintiff comments on the credit report but then suggests it would be inappropriate for the Court to consider the report as to Wells Fargo because Wells Fargo did not append a copy of the report to its Motion to Dismiss. Dkt. 30 at 13–14. Plaintiff also argues that it would not be appropriate to consider the credit report at this stage because a fuller record should first be developed, such as from the automated credit dispute verification form. See Dkt. 30 at 13–14. The Court denies Plaintiff’s arguments. The Court may consider a document attached to a motion to dismiss if the attached document is central to the plaintiff’s claims and is undisputed. See Day v. Taylor, 400 F.3d 1272, 1276 (11th Cir. 2005) (citing Horsley v. Feldt, 304 F.3d 1125, 1134 (11th Cir. 2002)). Here, Plaintiff’s credit report is central to her claims, and it is the essence of her Complaint. Plaintiff does not contend that her credit report at Dkt. 18-2 is unauthentic. The Court can therefore consider the report when deciding the Motions to Dismiss. The relevant entry of which Plaintiff complains is found on the sixth page. See Appendix at 6. That entry for Wells Fargo Home Mortgage shows Plaintiff
opened her mortgage account with Wells Fargo on March 19, 2009. Id. The account closed on August 7, 2015—the same day the report was last updated. Id. The balance is shown at $0. The remarks state “FORECLOSURE COLLATERAL
SOLD,” which explains why the account was closed and why there is zero balance. The payment history shows monthly payments for the period leading up to closure. This history shows that Plaintiff fell 60 days in arrears in November 2013, but by March 2014 had gotten current. See Appendix at 6. She then stayed current
for five months. Regrettably, she was 30 days late in August 2014, and fell to 60 days late the next month. This delinquency continued, and by March 2015 she fell 90 days late. She corrected it to 60 days late in April 2015. The report states that
she made her last mortgage payment on April 2, 2015. Unfortunately, by then she stopped paying entirely. In June 2015, she was 120 days in arrears. The last reported month was July 2015, during which she was 120 days late. The account then closed the first week in August 2015. The credit report notes that her
maximum delinquency of 120 days as shown in June and August of 2015. If one counts the time from her last payment made until the account closure, it is approximately 120 days. This payment history, the closure of the account, and the
foreclosure are entirely accurate and not in dispute. See Appendix at 6. The report states that the estimated time and month that this item will be removed from Ms. Lacey’s credit history is June 2021.
What Plaintiff disputes, and what Plaintiff asserts creates the cause of action, is one line that states: “Pay Status: account 120 Days Past Due Date.” See id. Plaintiff alleges in her Complaint that although the trade line currently reflects a $0
balance: Listing a debt with a $0 balance owed as “120-149 days past due” is nonsensical. If no balance is owed, the consumer cannot be late paying that balance. By continuing to report the account in that fashion, lenders believe the consumer is currently late negatively reflecting on the consumers credit worthiness by impacting the credit score negatively.
Dkt. 1 at ¶ 15. Plaintiff notified TransUnion in August 2020 that she disputed the accuracy of this information. Id. at ¶ 17. She avers that TransUnion notified Defendant Wells Fargo of this dispute. Id. at ¶ 18. According to Plaintiff, had Wells Fargo done a proper investigation, it would have discovered that the payment status was being inaccurately reported by TransUnion. Id. at ¶ 20. As a result of this inaccurate and uncorrected reporting, Plaintiff states she has suffered damage by loss of credit, an impaired ability to purchase and benefit from credit, a chilling effect upon applications for future credit, mental and emotional pain, anguish, and humiliation and embarrassment of credit denial. Id. at ¶ 26. However, Plaintiff does not contend any specific creditor relied upon these entries to her detriment, nor does she cite any specific injury due to this adverse report—one of multiple adverse reports for her.
In Count I, Plaintiff sues TransUnion for willfully violating 15 U.S.C. § 1681(e) and (n) of the FCRA. She alleges TransUnion willfully and recklessly failed to follow proper credit data ascertainment and accurate reporting, as required
by the statute. She also alleges TransUnion failed to note in the credit report that she disputed the accuracy of the information, and that TransUnion failed to delete the information once it was called to the company’s attention. In Count II, Plaintiff sues TransUnion for negligent violation of the FCRA with basically the same
faults and omissions listed in Count I. In Counts III and IV, Plaintiff sues Well Fargo as the furnisher of the faulty credit information, alleging various failures under the FCRA to properly furnish
accurate information, investigate disputes, and correct matters found to be furnished in error. Counts III and IV seek remedies for willful/reckless and negligent violations, respectively. As to all counts, Plaintiff seeks actual and statutory damages and attorneys’ fees. She seeks punitive damages as to Counts I
and III. Both defendants now move for dismissal of Plaintiff’s claims under Rule 12(b)(6). LEGAL STANDARD A complaint must contain “a short and plain statement of the claim showing
that the pleader is entitled to relief,” Fed. R. Civ. P. 8(a), set forth in “numbered paragraphs each limited as far as practicable to a single set of circumstances,” Fed. R. Civ. P. 10(b). Thus, to survive a Rule 12(b)(6) motion to dismiss, the complaint
“must contain sufficient factual matter, accepted as true, to ‘state a claim to relief that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007)). Courts must also view the complaint in the light most favorable to the plaintiff and resolve any doubts as to
the sufficiency of the complaint in the plaintiff’s favor. Hunnings v. Texaco, Inc., 29 F.3d 1480, 1484 (11th Cir. 1994) (per curiam). A claim is plausible on its face “when the plaintiff pleads factual content that allows the court to draw the
reasonable inference that the defendant is liable for the misconduct alleged.” Iqbal, 556 U.S. at 678. The Court accepts the plaintiff’s factual allegations as true at this stage. Brooks v. Blue Cross & Blue Shield of Fla., Inc., 116 F.3d 1364, 1369 (11th Cir. 1997).
LEGAL ANALYSIS Plaintiff’s claims under 15 U.S.C. 1681e(b) and 1681(i) require her to plead and prove an inaccuracy in her credit report or credit file. Cahlin v. Gen. Motors
Acceptance Corp., 935 F.2d 1151, 1156–1560 (11th Cir. 1991); Ray v. Equifax Info. Servs., LLC, 327 F. App’x 819, 826 (11th Cir. 2009). Plaintiff attempts to do so by stating in a conclusory fashion that the TransUnion credit report is
inaccurate. However, this contention runs into the Supreme Court’s admonition that a legal conclusion, including one couched as a factual allegation, need not be accepted as true on a motion to dismiss. See Papasan v. Allain, 478 U.S. 265, 286
(1986). Moreover, factual allegations that are merely consistent with the Defendants’ liability do not satisfy the Plaintiff’s burden, as mere consistency does not establish plausibility of entitlement to relief even if it supports the possibility of relief. See Iqbal, 556 U.S. at 678. Thus, Plaintiff Lacey must provide more than
labels and conclusions to state her claim. See Twombly, 550 U.S. at 555. “The FCRA seeks to ensure ‘fair and accurate credit reporting.’” Spokeo Inc. v. Robins, 136 S. Ct. 1540, 1545 (2016) (quoting § 1681(a)(1)). “Under section
607(b) of the Act, a credit reporting agency, when preparing a credit report on a consumer, is required to ‘follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.’” Cahlin, 936 F.2d at 1156 (quoting § 1681e(b)). The maximum
possible accuracy standard requires that the report “be both factually correct and free from potential for misunderstanding.” Erickson v. First Advantage Background Servs., 981 F.3d 1246, 1248 (11th Cir. 2020); see also id. at 1252
(“[T]o reach ‘maximum possible accuracy,’ information must be factually true and also unlikely to lead to a misunderstanding.”). The Eleventh Circuit stated in Erickson:
[W]hether a report is misleading is an objective measure, one that should be interpreted in an evenhanded manner toward the interests of both consumers and potential creditors in fair and accurate credit reporting. So when evaluating whether a report is accurate [under the FCRA], we look to the objectively reasonable interpretations of the report. If a report is so misleading that it is objectively likely to cause the intended user to take adverse action against its subject, it is not maximally accurate. On the other hand, the fact that some user somewhere could possibility squint at a report and imagine a reason to think twice about its subject would not render the report objectively misleading.
Id. (cleaned up) (emphasis added). The Court earlier stated in Cahlin:
Although a credit reporting agency has a duty to make a reasonable effort to report ‘accurate’ information on a consumer’s credit history, it has no duty to report only that information which is favorable or beneficial to the consumer. Congress enacted FCRA with the goals of ensuring that such agencies imposed procedures that were not only ‘fair and equitable to the consumer,’ but that also met the ‘needs of commerce’ for accurate credit reporting. Indeed, the very economic purpose for credit reporting companies would be significantly vitiated if they shaded every credit history in their files in the best possible light for the consumer.
936 F.2d at 1158 (emphasis added). Therefore, in determining whether a credit report is both true and unlikely to lead to misunderstanding, the report must be reviewed and considered in its entirety, instead of focusing on a single field of data. See, e.g., Erickson, 981 F.3d at 1252 (user must look at the credit report objectively and not merely “squint” at one portion); see also Meeks v. Equifax Info. Servs., LLC, No. 1:18-CV-03666- TWT-WEJ, 2019 WL 1856411, at *6 (N.D. Ga. Mar. 4, 2019) (must view account “as a whole”), adopted 2019 WL 1856412 (N.D. Ga. Apr. 23, 2019); Gibson v.
Equifax Info. Servs., LLC, No. 5:18-cv-00465-TES, 2019 WL 4731957, at *4 (M.D. Ga. July 2, 2019) (quoting Meeks and holding same); Seay v. TransUnion LLC, No. 7:18-CV-204(HL), 2019 WL 4773827, at *5 (M.D. Ga. Sept. 30, 2019)
(quoting Meeks and holding same); Her v. Equifax Info. Servs., LLC, No. 1:18-CV- 5182-CC-RGV, 2019 WL 4295279, at *2 (N.D. Ga. Aug. 9, 2019) (must consider “entirety” of the credit report to determine if the information is inaccurate or misleading).
With these principals in mind, a review of the credit report in the Appendix shows that as a whole it is not inaccurate. One must parse and squint, and consider only the pay status line, to arrive near the conclusion urged by Plaintiff.
A recent case nearly identical to this one, with the same TransUnion reporting form, is Settles v. TransUnion LLC, No. 3:20-cv-00084, 2020 WL 6900302 (M.D. Tenn. Nov. 24, 2020). There, the District Judge held: The Court finds that the reported information, taken as a whole, is neither inaccurate nor materially misleading. The report provides payment history showing that Plaintiff was at least 120 days late each month from May 2013 to January 2014, states that the account was closed in February 2014, and does not provide any account payment information past that date. Plaintiff admits that he never brought the account current – instead, he defaulted, and the account was closed while it was more than 120 days past due. Reporting a ‘pay status’ as ‘120 past due date’ in these circumstances would not reasonably mislead a creditor to believe Plaintiff is currently past due on this loan. Id. at *4. The Settles Court also noted that, “[i]n fact, reporting a pay status of ‘current’ or ‘paid as agreed’ as advocated by Plaintiff could imply that Plaintiff fulfilled his loan obligations by paying the loan in full when he actually defaulted.”
Id. The logic of Settles applies here to this same reporting form. Plaintiff Lacey left her Wells Fargo loan in foreclosure, closed out and written off to zero at 120
days overdue. To represent otherwise would be misleading. And the last time Lacey’s credit report was updated—on August 7, 2015—she was 120 days in arrears, having made her final payment as shown on April 7, 2015. No reasonable commercial reader would read this report five years later and conclude that a
“foreclosure/collateral sold” with a zero balance in 2015 means the loan is currently extant, or that Plaintiff “is currently delinquent on their account,” as Plaintiff argues. Dkt. 30 at 1–2.
Another case similar to Settles and favoring the defendants here is Williams v. TransUnion, LLC, No. 1:19-cv-01896-TWT-CMS, 2019 WL 11502906 (N.D. Ga. Oct. 23, 2019). In that case, the Court was presented with the very same issue as here: an old account closed in arrears, showing no balance due to being
“charged off,” and listing payment terms as “$67 per month, paid [m]onthly for 6 months[.]” Id. at *3. Just as here, the Williams Court concluded: When viewed as a whole, TransUnion’s reporting . . . reflects that no ongoing monthly payment obligations exist . . . The account is unambiguously reported as closed, charged off . . . with no current payments being made and with a $0.00 balance . . . To the extent the $67.00 amount appears within the account information reported, that amount is being reported as historical account information . . . ‘[which] neither causes confusion nor creates an inaccuracy,’ and Plaintiff’s ‘subjective belief that [her] credit report was inaccurate is insufficient’ to support a claim under the FCRA.
Id. Settles and Williams are well-reasoned and apply here. Other cases are in accord. See Gross v. Private Nat’l Mortg. Acceptance Co., LLC, No. 20-cv-4192 (BMC), 2021 WL 81465, at *7–8 (E.D.N.Y. Jan. 9, 2021) (holding that TransUnion report showing “pay status” of “30 days past due” is not inaccurate or misleading and stating: “[i]f a creditor read the ‘Pay Status’ entry in isolation, the creditor might conclude that the account was currently past due. But when the creditor read the rest of the entries, the creditor would surely forego that conclusion”); Samoura v. TransUnion LLC, No. 20-5178, 2021 WL 915723 (E.D. Pa. Mar. 10, 2021); see also Hernandez v. TransUnion LLC, No: 3:19cv1987- RV/EMT, 2020 WL 8368221 (N.D. Fla Dec. 10, 2020).2
2 See also, e.g., Jones v. Equifax Info. Servs., LLC, No. 2:18-cv-2814-JPM-cgc, 2019 WL 5872516 (M.D. Tenn. Aug. 8, 2019); Thomas v. Equifax Info. Servs., LLC, No. 3:19-cv-286, 2020 WL 1987949 (S.D. Ohio Apr. 27, 2020); Euring v. Equifax Info. Servs., LLC, No. 19-CV- 11675, 2020 WL 1508344 (E.D. Mich. Mar. 30, 2020). In Hernandez, Judge Vinson said: “no reasonable creditor looking at the report would be misled into believ[ing] that the plaintiff was ‘still late’ on the
account.” Id. at *3. Judge Vinson noted that the report must be viewed in its entirety, not just one field. Id. That is a mistake Plaintiff Lacey makes here and she falls into the same error that befell Plaintiff Hernandez. Any reasonable lender
viewing this report will not be confused as Plaintiff contends, and Plaintiff does not claim any actual confusion. Thus, when Plaintiff Lacey’s credit report is viewed in its entirety, it is clear that it was accurately reported and is not misleading. On its face, the credit report
reflects that as of August 7, 2015, the account: (1) had a balance of $0; (2) was last updated on August 7, 2015; (3) was closed on that same date; (4) was 120 days past due from June 2015 through August 7, 2015; and (5) was foreclosed with
collateral sale. Objectively, no reasonable creditor looking at the report would be misled into believing that Plaintiff Lacey had a present pending amount due. Because the text of the credit report is not in dispute, and it is derogatory but is not materially inaccurate, amendment of these claims is futile. Because Plaintiff
cannot establish inaccuracy or falsehood in this report, the Court dismisses Plaintiff’s claims with prejudice. See Hall v. United Ins. Co. of Am., 367 F.3d 1255, 1262–63 (11th Cir. 2004) (stating that a court may properly deny leave to
amend when such amendment would be futile). CONCLUSION Defendants TransUnion’s and Wells Fargo’s Motions to Dismiss, Dkts. 18
and 19, are GRANTED WITH PREJUDICE. The clerk is directed to close this file. DONE AND ORDERED at Tampa, Florida, on July 8, 2021.
/s/ William F. Jung WILLIAM F. JUNG UNITED STATES DISTRICT JUDGE
COPIES FURNISHED TO: Counsel of Record APPENDIX
Case 8:21-cv-00519-WFJ-JSS Document18-2 Filed 04/27/21 Page 2 of 11 PagelD 89
08/11/2020 Gu) Information for Good.
P-1Q00001- CRISTINA M. LACEY
ATTENTION: This is a “Print Image” conversion of a “Credit Report Life" data record fram TransUnion's proprietary CRS3 application, specifically an internal set of credit report data created on the date shawn above, for the File Identification Number and Activity Number shown above, Although this “Print Image” is formatted in the same fashion as a Consumer Disclosure, it was not transmitted to any consumer and was not created for that purpose. This “Print Image" report is intended for internal/audit use only.
P 1000001 owe
Case 8:21-cv-00519-WFJ-JSS Document 18-2 Filed 04/27/21 Page 3 of 11 PagelD 90 TransUnion Credit Score (CRISTINA M. LACEY YOUR CREDIT SCORE Your Score & Grade Score & Grade Range Where You Rank Score Fal aso oe Not Purchased 1-780 (See Below) Tzo Grade Unavailable Unavailable . (See Below) a (See Below) = éoc Created on 08/11/7020 = — 300 % Based on your TransUnion credit report, this is a The numerical score ranges from 850 to 300 Yourcredit ranks higher than --% of the nation's depiction of your creditworthiness. equaling grade renges from to F. population. Summary You did not onfera TransUnion credit score. You can purchase your credit score for $9.95 by calling 1-666-SCORE-TU or 1-866-726-7388. eee
Important Information Concerning Your TransUnion Credit Report: * Your SSW has been masked for your protection. You may request disclosure of yourfull Social Security number by writing to us at the address found at the end of this. report. * One ormore accounts contain medical information. Any information following Medical- is notdisplayed to anyone but you except where permitted by law. * For your protection, your account numbers have been partially masked, and in some cases scrambled. * Please note: Accounts are reported as "Curent; Paid or paying a5 agreed" if paid within 30 days of the due date, Accounts ported as Current may still incur late fees of interest charges if not paid on or before the due date. ‘YOUR CREDIT FILE CONTAINS: * One ormore Adverse Accounts. Adverse information typically remains on your credit file for up t 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added »bracketst or shading to those items in this report. * One ormore satisfactory accounts. * RegularInquiries. 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 yourcredit file forup to 2 years. * Promotional Inquiries. The companies Usted received yourname, address and other limited Information about you so they could make a firm offer □□ 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. * 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 inquities, certain collection companies may have access to other collection company inquires, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law).
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Case 8:21-cv-00519-WFJ-JSS Documenté@-@reFiled 04/27/21 Page 4 of 11 PagelD 91 File Number: * Date issued: 08/11/2020 TransUnion Personal Information You have been on our files since 04/08/2006 SSM: XX Date of Birth: Names Reported: cristina mM. LACEY, CHRISTINA LACEY, CHRISTINA M. CASIANO, and CRISTINA M. CASIANO Addresses Reported: Date Reported Address Date Reported ae =—| wee, a Pe ee ee oe ee ae a ae er So) ee = Er a as Pee. 7] | ET) Telephone Numbers Reported: (727) 859-3976 (906) 932-5192 (727) 410-8660 (906) 285-1769 (906) 285-8660 (727) 939-2604 (727) 845-6192 (908) 285-1032 Employment Data Reported: Employer ame Date Verified WALMART 05/17/2010 Account Information Typically, creditors report any changes made to your account infomation monthly. This means that some accounts listed below may not seflect the most recent activity until the creditor's next reporting. This information may include things such as balances, payments, dates, mmarks, ratings, etc. The key(s) below are provided to help you understand some of the account information that could be mported. Rating Key Some creditors report the timeliness of your payments each month in relation to your agreement with them, The ratings in the key below describe the payments that may orn by yourereditors. Any rating that is shaded indicates that it Is considered adverse. Please note: Some but not all of these ratings may be presentin your report. we | (x) | fx) | Bo | | lel | lols|feae|sfses | hc || WotReported | Unknown | Cormet | 30daystate | 60 days tate |90 days ate) "07 S*9* | conection | Y°MMEY | Repossession | Charge Off| Foreclosure Remark Key Additionally, some creditors may notate your account with comments each month, We refer ta these creditor comments as "Remarks". The key below gives the desciplions of the abbreviated remarks contained in your credit file. Any remark containing brackets +< indicates that this remark is. considered adverse, PLACED FOR COLLECTION Adverse Accounts DEBT RECOVERY SOLUTIONS sq **** ( cB00/ERICHO TURNPIKE, SUITE 113E, SYOSSET, NY 11791, (516) 228-7110 ) Placed forcotlectlon; 01/09/2020 Balance; $1,621 Pay Status: +n Collections Responsibility: Individual Account Date Updated: 08/03/2020 Account Type: Open Account GriginalAmount: □ $1,421 Loan Type: COLLECTION AGENCY/ATTORNEY Odgiual Creditor: MEDICAL-WIND RIVER EMERG PHYS LLC (Medical/Health Care) Past Due: 9$1,6214 Remarks: PLACED FOR COLLECTION: Estimated month and yearthat this Hem will be removed: 01/2022 GOGEBIC COUNTY FCU “I **** (600 w LEAD ST, BESSEMER, MI 49911-1413, (906) 663-4011) Date Opened: 11/14/2012 Balance: $1,465 Pay Status: >Charged Ofc Responsibility: joint Account Date Updated: 11/30/2017 Terms: Monthly for 32 months Account Type: Installment Account Payment Recelved: $10 Date Closed: 03/31/2015 Type: UNSECURED Last Payment Made: 06/23/2017 dlaximum Delinquency of 120 days in 02/2015 High Balance: 53.607 for $560 and in 03/7015¢ Original Charge-off: $1,465 Past Dee: 75,1704 Remarks; 4/NPAID BALANCE CHARGED OFF Monn ane year that ts item wil be rmemoved: 09) 202" meting =| LI] Lx] ta] txt] Ex ExT Gy GT iT ey □□ To dispute online go to: http:/ /transunion.com/disputeontine P-00003
Case 8:21-cv-00519-WFJ-JSS Document*ié-2sFiled 04/27/21 Page 5 of 11 PagelD 92 Consumer Cradit Reportfor CRISTINA M. LACEY File Number: NN Date liswed: 06/11/2020
Rating | Lox] | Lom! | Lox) | Con] | Lox) | Lox} | Cx | IRON COUNTY Cu = (5702 W US HWY 2, HURLEY, Wi 5.4534, (715) 561-2842) Date Opened: 05/22/2007 Date Updated: oF/31/2020 Pay States; Hn Collection< Responsibility; Individual Account Last Payment Made: 03/25/2015 Terms: $0 per month, paid Monthly Account Type: Line of Credit Account Date Closed; 03/33/2015 Loan Type: UNE OF CREDIT Waximum Delinquency of 120 days in 09/2014 for $75 and in 05/2016 High Balance: High balance of $499 from 05/2018 to 07/2020 ‘Credit Limit: Credit timit of $500 from 05/2018 to 07/2020
Remarks , ‘ca oes ae On
Past Due >it _ $457 □□□□□ Remarks > : Oe Cc 1A □□□ Rating | eon] eo) ee) □□ [ged Sed Seed □□□□□□□□□□□□□□□□□□□□□□□□□□ Scheduled o o Past Due a el □
Rating | [coe | □□□ | [cou | Geer) | cou) | [coe | (coe) | (cou) | [cou | fecou | fecoe) | fecoe) | [econ] | (eon) | (azo) | □□□□ |
Rating __| (iia) | taza) | Gaol | | Geos | Eaed | Lox] | Cox) | Cox) | Low) | Lox] [ Cox) | Lox] [ Low) | Cox) | JEFFERSON CAPITAL SYSTEM “I **** (16 CLELAND RD, SAINT CLOUD, MN 56303, (866) 219-0725 } Placed forcollection: 10/12/2016 Balance: $1,589 Pay States: An Collections Responsibility; Individual Account Date Updated: 07/24/2020 Account Type: Open Account OriginalAmount: $1,589 Loan Types DEBT BUYER Original Creditor: VERIZON WIRELESS (Financial) = Past Due: 291,509 == Remarks: PLACED FOR COLLECTION == Estimated month and yearthat this item will be removed: (4/2021 => KIA MOTOR FINANCE 4 *** ( POB 20835, FOUNTAIN VALLEY, CA 92728-0835, (866) 331-5632) == Date Opened: 03/20/2016 Date Updated: 06/30/2020 Pay Status: Current; Paid or Paying as Agreed Responsibility: Individual Account PaymentRecelWed: $420 Tens: $417 per month, paid Monthly for = account Type: Installment Account Last Payment Made: 06/13/2020 72 months = Loan Type: ALFTOUMWOEH LE Maximum Delinquency of 60 days in 04/2017« Balance: High balance of $19,450 from 08/2039 to 06/2020 =
To dispute online go to: http:/ /transunion.com/disputeonline P A004. □□□□
Case 8:21-cv-00519-WFJ-JSS Documentré-2«Filed 04/27/21 Page 6 of 11 PagelD 93 Credit Reportfor CRISTINA M. LACEY File Number: Date Isswed: 06/11/2020 Balance |___ 38,884 $9,194 $9.49 59,789 $10,039 $10,310 $10,637] $10,919 $11.25] Silaed Sliven Scheduled $41 $41 $41 $41 $41 $41 $41 | eee eee Amoumt Pait $ed__ See $41 L842 S463 $450 5437/5507 } $424 _ $417 Past Due sd Sd qd sh CS LOK] | _Coc)] Cony] fou) fox] fox] Ge] Coe} | Cox) □□□□
tox]) Tox] Tony] oct] [onl] (ox]] [ox] fam) (sou) [ox] (a0) □□□□
FUNDING □□□ **** (c/o RESURGENT CAPITAL SERVICES, PO BOX 1269, GREENVILLE, SC 29603, (860) 464-1183) Placed forcollection: 09/25/2017 Balance: $997 Pay States: in Collections Responsibility: § = Individual Account Date Updated: 07/07/2020 Account Type: Open Account Original Amount: = $997 Loan Type: DEBT BUYER Ociginal Creditor, CAPITAL ONE WA (Financia) Past Due: 15997 Remarks: PLACED FOR COLLECTION: Estimated moath aed yearthal this item willbe removed: 10/2022 NTL CREDIT SYSTEMS (117 24TH STREET, NEW YORK, NY 10010, (212) 213-3000 } Placed forcollection: 02/22/2018 Balance: $149 Pay Status: Collections Responsibility: Individual Account Date Updated: 07/27/2020 Account Type: Open Account Original Amount: $149 Loam Type: COLLECTION AGENCY/ATTORNEY = Original Creditor: FGUA AQUA PASCO UTILITIES (Utilities) Past Due: 2$1494 Remarks: PLACED FOR COLLECTION: Estimated month and year that this Itean will be removed: 08/7024 RECEIVABLE MGMT GROUP 49** (2901 UNIVERSITY AVE, #29, COLUMBUS, GA 31907-7606, (706) 563-6878 ) Placed forcollecthos: 04/23/2015 Balance: 5568 Pay Status: xn Collections Responsibility: Individual Account Date Updated: O7/07/2020 Account Type: Open Account OrigimlAmount: $568 Loan Type: COLLECTION AGENCY/ATTORNEY ‘Original Creditor; © MEDICAL-RADIOLOGY ASSOC OF CLEARWATER (Medical/Health Care) Remarks: PLACED FOR COLLECTION: Estimated month and year that this item will be removed: 01/2022 WELLS FARGO HOME MORTGAG #3 **** (Po BOX 10335, DES MOINES, IA 50306, (877) 937-9357) Date Opened: 03/19/2009 Balance: 50 Pay States: »Account 120 Days Past Due Dates Responsibility: Individual Account Date Updated: 08/07/2015 ‘Terms: $539 per month, paid Monthly for Type: Mortgage Account Last Payment Made: 04/02/2015 360. months Loan Type: FHA REAL ESTATE MORTGAGE High Balance: $46,001 Date Closed: 08/07/2015 Waaimum Delinquency of 120 days in 06/2015 for $2,695.and In 08/2015 Remarks: sFORECLOSURE COLLATERAL SOLD< Rating | _[azo)|__fazol] (wm) por), □□
Satisfactory Accounts COMENITY BANK/FASHBUG “**** (Poe 162789, COLUMBUS, OH 43218-2789, Phone number not available ) DateOpemed: 04/24/2006 Balance: $0 Pay Status: Curent; Paid or Paying as Agreed Responsibility: Individual Account Date Updated: 04/07/2018 Terms: Paid Monthly Account Type: Revolving Account Last Payment Made: 05/16/2011 Date Closed: 04/05/2018 Type: CHARGE ACCOUNT High Balance: = $375. Date Paid: 9 05/16/2011 Credit Limit: $100 Remarks: CLOSED BY CREDIT GRANTOR: CLOSED
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Case 6:21-cv-00519-WFJ-JSS Documentra@-fteFiled 04/27/21 Page 7 of 11 PagelD 94 Consumer Credit Report for CRISTINA M. LACEY File Number: ay Date issued: 08/11/2020 —oz/2nie 02/2016 _|_ 01/2016 12/2015 11/2015 "10/2015 | O9/20is | Os/201s | 07/2015 | 06/2015 | 05/2015 | 4/2 015 Rating [wR] (WR) (N/R) N/R), NR N/R [N/R] L/R}| WR} [RNR 03/201: 2/2015 01/2015 12/2014 11/2014 10/2014 09/2014 08/2014 07/2014 06/2014 05/2014 on/2014 03/2014 02/2014 01/2034 12/201 3 Rating [M/k] | [N/R] | (N/R) N/R) [N/R] | [R/R| LMR) [wR] | TNR, | [wR | CWyR) | [N/R] | [N/R) | [N/R] | □□□□□ 11/2013 10/2013 09/2015 08/2013 07/2013 06/2013 05/2013 04/2013 03/2013 02/2013 01/2019 12/2012 11/2012 10/2012 09/2012 08) □□ Rating LM/R) | (MPR) | [WR] LW/R) | Lye) | [mye] | (mye) | [W/R) | □□□ | CW/R) | WR, | (WR) | |W/R) | (N/R) | LAR) | [NR] O7/2012 06/2012 05/2012 04/2012 03/2012 02/2012 01/2012 12/2011 11/2011 10/2011 09/2011 08/2011 07/2011 06/2011 Rating [N/R | w/e) | (MR) | (m/e) | UN/R) | [Wye | (NR) | [N/R] | (WR) | (WR) | OK) | (OK) | | OK] | | OK GOGEBIC COUNTY FCU **** ( coo w LEAD ST, BESSEMER, MI 49911-1613, (906) 663-4011} Date Opened: 05/07/2012 Balance: $0 Pay Statue: Current; Paid or Paying as Agreed Responsibility: joint Account Date Updated: 12/11/2012 Terms; Monthly for 36 months Account Type; Installment Account Payment Received: $3,500 Date Closed; 12/11/2012 Loan Type: AUTOMOBILE Last Payment Made: 12/11/2017 High Balance: $4,200 Remarks: CLOSED 11/2012 10/2012 | 09/2012 | 08/2012 | O7/2012 | 06/2012 | O5/2012 | Rating poe LOK)) [OK)) tok), OK)) | OK) GOGEBIC COUNTY FCU 7 **** (600 W LEAD ST, BESSEMER, MI 49911-1413, (906) 663-4011) Date Opened: 05/10/2011 Balance: $0 Pay Status: Curent; Paid or Paying as Agreed Responsibility: Joint. Account Date Updated: 03/30/2012 Terms: Monthly for 33 months Account Type: Installment Account Payment Received: $1,989 Date Closed: 03/30/2012 Loan: Type: AUTOMOBILE Last Paymant Made:03/30/2012 High Balance: $2,703 Remarks: CLOSED Rating LOR] LOK; Lows) Lowy) foxy] fom) Lowy} fom) Lom)| Lox! MOBILOANS eo {PO BOX 1409, MARKSVILLE, LA 71351, (877) 836-1518) Date Opened: 09/03/2015 Date Updated: 08/03/2020 Pay Status: Curent; Pald or Paying as Agreed Responsibility: Individual Account Payment Received: $60 Terms: $48 per month, paid Bi-weekly Account Type: Line of Credit Account Last Payment Made: 07/23/2020 Loan Type: LINE OF CREDIT Credit Limit: Credit limit of $1,400 from 02/2018 to 10/2018; $1,400 from 12/2018 to OF/2019; $1,400 from 09/2019 to 04/2020: $1,075 fram 05/2020 to 08/2020 bg 2020 _|_ 07/2020 _| 06/2020 | 05/2020 | oa/2020 03/2020 7 02/2020 | 1/2020 | 12/2039 | 11/2019 | 10/2019 | 09/ 019 Balanc 104 a 510F Sa SLAG 1540) «1,401, □□□□□ Scheduled 48 61 E55 118 9 2351 $239 246 266 245 S244 Payment | Amount Paid 6 4S og s329 Sige □□□□□□□□□□□□□□□□□□□□□□□□□□□□□□ SSS Past Que oS st—“‘ □□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□ rh Balance 1,553 55H $1,552 $1,553 $1552 $15sA 155A FSSA S554 $1552 «$1550 □□□□□□ Rating OK] OK KOK), we/2019 " O7/2019 7 6/2019 "05/2019 7 o4/2019 03/2019 02/2019 | 01/2019 12/2018 11/2018. 10/2018 □ 09/2018 Balance 1,549 1,549 1448 1407 1,439 $1,449 1,550 1,439 □□□□□□ Scheduled $228 $222 $244 $214 $239 $245 $222 $239 $239 $239 : Payment Amount Paid $213 113 $304 213 $223 $313 $110 $223 $221 $221 2 Past Due $0 $0 $0 $0 $0 #0 $0 $0 30 $9 High Balance $1,550 $1,550 $1,550 $1,550 $1,550 $1,550 $1,550 $1,550 $1,442 $1,442 Rating Low }| [OK OK | [OK | [OK | | | OK OK | OK | | OK _ OK | 08/2018 | 07/2018 | 06/2018 05/2018 04/2018 | 03/7018 | 02/2018 | 01/2018 12/2017 | 11/2017 | 10/2017 | 09/2017 Balance 1,399 1,439 1.413 1,422 1,364 1,40 Scheduled $231 $239 $225 $245 $214 5215 $222 nt = Amount Paid $221 $198 $216 $300 $210 5202 $214 = Past Due $0 $0 $0 $0 $0 $0 $0 High Balance $1,439 $1,439 1,422 $1,422 1,420 $1,416 $1,416 Rating LOK | | OK Low | [OK OK LOK || OK | Lok | OK OK | | OK OK —— 08/2017 07/2017, 06/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 09/2014 08/2016 07/2016 06/2016 05/2016 = Rating Low | Lox] | Lox | Low) | Low) | Low) | Cow) | Lom) | [ox] | [ox] | fox] | Lox] | (ox) | Cox] | Pox) | Lox) = 04/2016 03/2016 02/2016 01/2016 12/2015 11/2015 10, 2015 09/2015 == Rating [ox] | [ox] | [ox] | [ox] | [ox] | fox] | [ow] | [on | — - - —_ —— + □□ — —————_——_—_—_—_- ——
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To dispute online go to: http:/ /transunion.com/disputeonline P -1000006 □□□□□
Case 8:21-cv-00519-WFJ-JSS Documentri8-2fsFiled 04/27/21 Page 8 of 11 PagelD 95 Consumer Credit Report for CRISTINA Mi, LACEY File Number: Date Issued: 08/11/2020 SUNBIT, INC ic ca ee)” (10940 WILSHIRE BLVD, SUITE 1850, LOS ANGELES, CA 90024, (855) 678-6248) Date Opened: 02/12/2020 Bete Updated: O7/17/2020 Pay Status: Current; Paid or Paying as Agreed Responsibility: Individual Account Payment Received: $28 Terms: $34 per month, paid Monthly Account Type: Revolving Account Last Payment Made;07/09/2020 Loan Type: CREDIT CARD High Balance: High balance of $0 from 02/2020 to 02/2020; $400 from 03/2020 to OF /2020 Credit Limit: Credit limitof $400 fram 02/2020 te 07/2020 Balance a5] $296 ha So Saos Ed Scheduled 3 p28 25 23 3 $q ft 1 AmountPaid | $28 □□□□□□□□□□□□□□□□□□□□□□□ | sC—“‘“CNCOC#C#C#SO Rating OK) [OK |! | OK | [OK || (OK || LOK SUNCOAST CREDIT UNION **** ( PO BOX 11904, TAMPA, FL 33680-1904, (813) 621-7511) Date Opened: 08/27/2018 Date Updated: o7/31/2020 Pay Status: Current; Paid or Paying as Agreed Responsibility: Individual Account Payment Received: $50 Terms: $50 per month, paid Monthly Account Type: Line of Credit Account Last Payment Made:07/ 26/2020 Loan Type: LINE OF CREDIT High Balance: High balance of $1,000 from 08/2018 to 08/2018; $1,002 fram 09/2018 to 07/2019; $1,004 from 08/2019 to 07/2020 Credit Limit: Credit limit of $1,000 from 08/2018 to 07/2020 O7/2020_ 06/2020 _| 05/2020 | 04/2020 7 03/2020 | 02/2020 01/2020 | 12/2019 | 11,2019 | 10/2019 | 09/2019 | □□□□□□ Balance 939 1,000 O S66 1,000 245) 833 B71 S09 938 Scheduled $50 $50 $50 $0 $50 $50 $50 $50 $50 $50 $50 $50 Payment Paid $50 50 $0 OTF 50 $248 $600 50 $50 $45 $50 $54 Past Due $0 Oo 30 $0 $0 $0 $0 $0 $0 $0 $0 Rating LOK) OK) OK) OK OK) (OK LOK | OK | OK OK o7/2019__06/2019 05/2019 | 04/2019 | 03/2019 | 02/2019 | 01/2019 | 12/2018 | 11/2018 10/2018 09/2018 08/2018 Balance 1,002 51,000 666 702 BAL 780 $818 $853 B92 5928 968 1,000 Scheduled $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 Payment Amount Paid 5 $673 50 $50 $50 $50 $50 $50 $so $50 $50 $0 Past Due _ $0 = □□ 50 $0 $0 Oo $0 50 50 $0 $0 Rating — OK) Low) ow) ok) im) Kl OK OK OK OK □□□ SUNCOAST CREDIT UNION Sq **** (Po BOX 11904, TAMPA, FL 33680-1904, (813) 621-7511) Date Opened: 01/24/2020 Date Updated: 19/2020 Pay Statue: Current; Paid or Paying as Agreed Responsibility: Individual Account Payment Received: $35 Tanns: $10 per month, paid Monthly Account Type: Revolving Account Last Payment Made: 07/09/2020 Loan Type: CREDIT CARD High Balance: High balance of $289 from 02/2020 to 02/2020; $299 from 03/2020 to oF /2020 Credit Limit: Credit limit of $300 from 02/2020 to 07/2020 o7/2020_ 06/2020 | 05/2030 | 64/2020 | 03/2020 | o2/2920 Scheduled 10 $10 j a o 10 Paid | 33530 SI, ———‘iO)~=—SCSC*~*sS qf CSS Rating | From) fow)) fom]) fow)] [ox]| [on] TAB/SUNBIT Sq **** (10940 WILSHIRE BLVD, SUITE 1850, LOS ANGELES, CA 90024, (855) 678-6248) Date Opened: 03/12/2019 Date Updated: 03/12/2020 Pay Status: Cument; Paid or Paying as Agreed Responsibility: Individual Account Payment Racalved: $40 Terms: Atonthly for 12 months Account Type: Installment Account Last Payment Made: 03/12/2020 Date Closed: 03/12/2020 Loan Type: INSTALLMENT SALES CONTRACT High Balance: High balance of $408 from 03/2019 to 03/2020 Remarks: CLOSED heduled ‘40 540 40 b40) 40 O ‘0 40 ag 40 $40 Pa ont i Amount Paid a 4G s—“(‘;‘SS SCS*C«CSSSSSSCS SCS Past Due oS □□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□□ Rating (on]( foxy) [owt] foxy} fow]) fow)) foxy) Tox)! Toey| Tow] ox)? □□□□
To dispute online go to: http://transunion.com/disputeonline FP 1000007 □□□
Case 8:21-cv-00519-WFJ-JSS Documenth@->sFiled 04/27/21 Page 9 of 11 PagelD 96 Consumer Credit Report for CRISTINA M. LACEY File Number: NN Detelssued: 06/11/2020 Schedoled 0 ATH al VO Past Due Rating | OK | Regular Inquiries SOUTHWEST STAGE FUND via CREDIT PLUS (31550 WINTERPLACE PKWY, SALISBURY, MD 21804, (200) 258-3488) inquiry Type: Individual Permissible Purpose: CREDIT TRANSACTION Requested Om: 05/11/2020 NCCHYUNDAI OF NEW PORT R (3936 US HIGHWAY 19, NEW PORT RICHEY, FL 34652, (727) 877-4016) inquiry Type: individual Permissive Parpose: CONSUMER INITIATED TRANSACTION Requested Or: 10/02/2019 TABSUNBIT (10940 WILSHIRE BLVD, SUITE 1850, LOS ANGELES, CA 90024, (855) 678-6248) bequiry Type: Individual Requested On: 03/12/2019 Promotional Inquiries TRANSUNION CONSUMER INTE (100 CROSS STREET, SAN LUIS OBISP, CA 93401, (805) 782-0282) Requested Om: 07/10/2020, 06/21/2020, 06/04/2020, 06/03/2020, 05/22/2020, 05/07/2020, 05/03/2020, 05/01/2020, 04/22/2020, 04/10/2020, 03/22/2020, 03/30/2020, 02/20/2020, 02/01/2020, 12/11/2019 TRANSUNION INTERACTIVE / CREDIT SESAME (407 WEST DANA 5T,, SAN JOSE, CA 95120, (255) 799-9111) Requested On: 07/10/2020, 06/21/2020, 06/04/2020, 06/03/2020, 05/22/2020, 05/07/2020, 05/03/2020, 05/01/2020, 04/22/2020, 04/10/2020, 03/22/2020, 03/20/2020, 02/20/2020, 02/01/2020, 12/11/2019 FIRST SAVINGS CREDIT CAR (320 N LOUISE AVE, SIOUX FALLS, SD 57107, @00) 987-5521) Requested Om 06/15/2020, 02/16/2020 BIG PICTURE LOANS (P08 249, WATERSMEET, Mi 49969, (906) 358-2008 ) Requested On: 04/21/2020, 01/27/2020 FIRST NATIONAL CREDIT CA( 3820 N LOUISE AVE, SIOUX FALLS, SD 57107, (@00) 987-5521) Requested On: 04/14/2020 FIRST PREMIER ( 3820 N LOUISE AVE, SIOUX FALLS, SD 57107-0145, (800) 987-5521) Requested Om: 03/16/2020 PLAIN GREEN LLC (Pop 270, BOX ELDER, MT'59521, (866) 420-7157) Requested Om: 03/06/2020 MISSION LANE ( 4125 HARRISON BLVD, OGDEN, UT 84403, (415) 462-0280) Requested On; 02/24/2020 ARROWHEAD ADVANCE (650 .NAAMANS ROAD, SUITE 202, CLAYMONT, DE 19703, (895) 744-6463 ) i Requested On 10/18/2019 APPLIED DATA FINANCE (16787 BERNARDO PLA, SUITE 15, SAN DIEGO, CA 92128, (B88) 578-9546) Requested On: 10/06/2019, 09/16/2019, 09/09/2019, 08/13/2019 LIBERTY MUTUAL ( 13 RIVERSIDE RD, WESTON, WA 02193, (888) 534-1615) Requested On: 10/03/7019 == AMERICAN WEB LOAN (749 U5 HIGHWAY 177, RED ROCK, OK 74451, (888) 403-7055 ) SS Requested Om 09/03/2019
= Account Review Inquiries = CRISTINA LACEY via KARMATRANSUNION INTERACT (100 CROSS STREET, SAN LUIS OBISPO, CA 934001, (844) 580-4816) = penmissible Purpose: CONSUMER REQUEST Requested On: 08/11/2020, 07/21/2020 = TRANSUNION CONSUMER INTE ( 760 MARKET STREET 10TH FLOOR, SAN FRANCISCO, CA 94102, (844) $80-6816) = Requested On: 06/06/2020
To dispute online go to: http:/ /transunion.com/disputeonline P4000008 □□□□□
Case 8:21-cv-00519-WFJ-JSS Document #&2 Filed 04/27/21 Page 10 of 11 PagelD 97 Consumer Credit Report for CRISTINA M, LACEY File Number: Date Issued: 08/11/2020 KLARNA (629 NORTH HIGH STREET SUI, TE 300, COLUMBUS, OH 43215, (844) 552-7621} Requested On: 07/23/2020 GULF COAST COLLECT BUREAU (5630 MARQUESAS CIRCLE, SARASOTA, FL 34232, (877) 827-6999) Requested On: 07/15/2020 MIDLAND CREDIT MGMT ( 320 EAST BIG BEAVER, SUITE 300, TROY, Mil 48083, (B00) 825-8131) Permissible Purpose: COLLECTION Requested On: 07/08/2020, 05/06/2020, 03/09/2020, 12/19/2019, 10/09/2019, 10/08/2019, 09/07/2019, 09/06/2019, 08/11/2019, 08/10/2019, 06/18/2019, 06/15/2019, 04/14/2019, 04/13/2019, 02/19/2019, 02/18/2019, 02/17/2019, 12/10/2018, 12/09/7018, 12/08/2018, 10/25/2018, 10/23/2018, 10/22/2018, 08/20/2018, 08/18/2018, 08/17/2018, 08/14/2018 TRANSUNION INTERACTIVE (100 CROSS STREET 202, SAN LUIS OBISPO, CA 93401, (844) 580-6816) Requested On: 05/11/2020 PORTFOLIO RECOVERY ASSOCIATES ( 140 CORPORATE BLVD, NORFOLK, VA 23502, (B44) 675-3407) Requested Om: 05/03/2020 ENHANCED RECOVERY COMPANY ( 8014 GAYBERRY ROAD, JACKSONVILLE, FL 32256, (800) 942-0015) Requested On: 03/31/2020 TABSUNBIT (10940 WILSHIRE BLVD, SUITE 1850, LOS ANGELES, CA 90024, (855) 678-6248 } Requested On: 02/12/2020 TATE KIRLIN (2810 SOUTHHAMPTON ROAD, PHILA, PA 19154, (844) 820-8579) Requested On: 01/20/7020 DEBT RECOVERY SOLUTIONS (900 MERCHANTS CONCOURSE, SUITE LL-11, WESTBURY, KY 11590, (516) 228-7100) Permissible Purpose: COLLECNON Requested On: 01/14/2020 COMMONWEALTH ( 245 MAIN 5T, DICKSON CITY, PA 18519, (855) 273-8511) Requested On: 07/06/2019 FINANCIAL REC SERVICES (Po Box 325908, MINNEAPOLIS, MN 55438, (877) 288-9426) Requested On: 04/23/2019 TABSUNBIT ( 10940 WILSHIRE BLVD, SUITE 1850, LOS ANGELES, CA 90024, (855) 678-6248) Requested On: 03/12/2019 LIBERTY MUTUAL (Po 80x 52102, PHOENIX, AZ 85072, (617) 654-3741} Permissible Purpose: INSURANCE UNDERWRITING Requested On: 02/20/7019 TRAVELERS via TRAVELERS (CONSUMER DISCLOSURE, P 0 BOX 59059, KNOXVILLE, TN 37950, (B00) 550-717} Permissible Purpose: INSURANCE UNDERWRITING Requested Om: 02/20/2019 WINDHAVEN SELECT LLC (5235 BLUE LAGOON OR, SUITE 401, MIAMI, FL 33126, (F786) 709-4B00} Permissible Purpose: INSURANCE UNDERWRITING Requested On: 11/20/2018 PROGRESSIVE AUTO 09 ( P.0.80X 94568, CLEVELAND, OH 44101, Phone number not available ) Penmissible Purpose: INSURANCE UNDERWRITING Requested Om: 11/20/2018 PROSPERWEBBANK ( PROSPER WEBBANK, 221 MAIN STREET SUITE 300, SAN FRANCISCO, CA 94105, (866) 615-6319) Requested Om: 11/02/2018
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Case 8:21-cv-00519-WFJ-JSS Document #&2¢'Filed 04/27/21 Page 11 of 11 PagelD 98 Consumer Credit Report for CRISTINA M. LACEY File Number: NS Date Issued: 08/11/2020 Should you wish to contact TransUnion, you may do so,
To dispute information contained in your credit report, please visit: wew.transunion,com/ disputeonline For answers to general questions, please visit: www.transunion.cam By Mail: TransUnion Consumer Relations Box 2000 Chester, PA 19016-2000 Phone: (B00) 916-8800 You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastem Time, Monday through Friday, except major holidays. For all comespondence, please have your Translnion file number avallable (located at the top of this report).
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