EQUIFAX Confirmation # PY Please address all future correspondence to: Personal Identification Information _ (This section includes your name, current and previous addresses, and any other identifying information reported by your creditors.) Name On File: Michael A Thomas Social Security # | www.equifax.com/personal/disputes Equifax Information Services LLC tea P.O. Box 740241 Atlanta, GA 30374 pay M - F 9:00am to 5:00pm in your time zone. Last Reported Employment: DOJ Bureau; Collection Agency Information is section includes accounts that credit grantors have placed for collection with a collection agency. Stern Recovery Servcies, Inc.; Collection Reported 08/2019; Assigned 01/2018; Creditor Class - Medical/Health Care; Original Creditor - First Health of the Carolinas; Amount - $125 ; Status as of 08/2019 - Unpaid; Date of 1st Delinquency 05/2016; Balance as of 08/2019 - $125 ; Individual Account; Account # - 5KQWS; Address: 415 N Edgeworth St Greensboro NC 27401-2182 : (336) 379-7321 Credit Account Information (For your security, the last 4 digits of account number(s) have been replaced by *) (This section includes open and closed accounts reported by credit grantors) Account Column Title Descriptions: Account Number - The Account number reported by credit grantor Date Acct. Opened - The Date that the credit grantor opened the account High Credit - The Highest Amount Charged Credit Limit - The Highest Amount Permitted Terms Duration - The Number of Installments or Payments Terms Frequency - The Scheduled Time Between Payments Months Reviewed - The Number of Months Reviewed Activity Designator - The Most Recent Account Activity Creditor Class - The Type of Company Reporting The Account Date Reported - Date of Last Reported Update Balance Amount - The Total Amount Owed as of the Date Reported Status - Condition of Account When Last Updated by Creditor or Otherwise Amount Past Due - The Amount Past Due as of the Date Reported Date of Last Paymnt - The Date of Last Payment Actual Pay Amt - The Actual Amount of Last Payment Sched Pay Amt - The Requested Amount of Last Payment Date of 1st Delinquency - The Date of First Delinquency Date of Last Actvty - The Date of the Last Account Activity Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported Charge Off Amt - The Amount Charged Off by Creditor Deferred Pay Date - The 1st Payment Due Date for Deferred Loans Balloon Pay Amt - The Amount of Final(Balloon) Payment Balloon Pay Date - The Date of Final(Balloon) Payment Date Closed - The Date the Account was Closed 1: 30-59 Days Past Due 5 : 150-179 Days Past Due J : Voluntary Surrender Account reeory 2: 60-89 Days Past Due 6 : 180 or More Days Past Due K : Repossession fatus Code =| _ 3: 90-119 Days Past Due G : Collection Account L : Charge Off Descriptions 4: 120-149 Days Past Due H_: Foreclosure ( Continued On Next Page ) Page 6 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124183

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When you place a security freeze on your Equifax credit report, you will be provided a 10-digit personal identification number (PIN) to use if you choose to temporarily lift or permanently remove the security freeze from your credit report. To make either request, you can contact Equifax by phone or mail and provide all the following: 1. Proper identification. 2. The unique PIN provided by Equifax when you placed the security freeze. 3. If requesting a temporary lift, specify the period of time for which the credit report is to be available (for example, from March 15, 2018 to March 21, 2018). You can also create or sign into your account on www.equifax.com to authorize the temporary lift or permanent removal of your security freeze from your Equifax credit report. Equifax will authorize the release of your credit report within one hour after receiving the above information if the request is by phone or electronic means or no later than three business days when a written request is submitted. Placing, lifting, and removing a security freeze on your Equifax credit report is free. Page 5 of 22 9259041182CVJ-002734482- 1- 1-S_ EFTA00124184

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Advanced Financial Svcs FCU —_785 Central Ave New Providence NJ 07974-1136 fe juration: Date Opened High Creat Crecit Limit ‘erms Dura Terms Frequency Months Revd Activity Designator Creditor Classification CS 10/17/2008 $6,500 Monthly 47 Date ttems As of Batance Amount Date of Actual Scheduled Date of ist Date of Date Ma. Charge Of Deferred Pay Balloon Pay Balloon Date Reported Amount Past Que Last Payrmet §=Paymnt Amount Paymnt Amount Delinquency Last Activity Del. 1st Rptd = Amount Start Date = Amount Pay Date Closed 09/30/2012 $0 09/2012 $194 09/2012 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Unsecured; Whose Account - Individual Account; Affinity Federal Credit Union PO Box 621 Basking Ridge NJ 07920-0621 : Date Opened High Credit Credit Limit ‘ems Terms Frequency Months Revd Activity Oesignator (Creditor Classification 02/26/2019 $27,477 72M Month 4 hems As of Balance Amount Date of Actual ‘Scheduied Date of 1st Gate of Date Maj Charge Off Deferrec Pay Balloon Pay 07/31/2019 $25,846 07/2019 $470 $468 07/2019 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account; ADDITIONAL INFORMATION - Auto; Fixed Rate; Historical Account Information Balance Scheduled Actual Date of High Credit Amount Type of Activity Payment Payment Last Credit Limit Past Loan Designator Amount Amount Payment Due A a 08/19 | No Data Available Additional Information: Fixed Rate oare]s2a66 [ses [70 [enaore [wrarr | Additional Information: Fixed Rate z Fi Hf & Fy os 04/19 | $26,795 $470 4/1/2019 $27,477 uto Additional Information: Fixed Rate Additional Information: Fixed Rate FEB-Retail PO Box 4499 Beaverton OR 97076-4499 : (866) 502-6439 Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification 06/16/2019 $2,249 $3,000 Month fems As of Balance ‘Amount Date of ‘Actual ‘Schecvsed Date fist Date of Date Maj. Charge Ofr Deterred Pay Balloon Pay Balloon Date Date Amount Past Due Last Paymnt Amount Amount Last Activity Del. tt Pept Start Date = Amount PayOate Closed 08/27/2019 $2,002 07/2019 $300 $120 08/2019 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card; i it ( Continued On Next Page ) Page 7 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124185

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Historical Account Information Balance Scheduled Actual Date of High Credit Amount Type of Activity Payment Payment Last Credit Limit Past Loan Designator Amount Amount Payment Due 08/19 | No Data Available CE) EC CC oara]so 00rd FingerhutWebbank 6250 Ridgewood Rd Saint Cloud MN 56303-0820 Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification 07/12/2007 _$0 $300 Monthl 20 Paid and Closed fems As of Balarce Amount Date of Actual Scheduled Date of 1st Date of Cate Charge Or Deferred Pay Balloon Pay Balloon Oate Date Reported oo" Past Due Last Paymnt = Payment Amount Paymnt Amount Delinquency Last Activty Del. 1st Amaurt ‘Start Date Amount Pay Date Closed 03/19/2014 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Individual Account, ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Charge; Account Closed Due to Inactivity; First Premier 3820 N LOUISE AVE SIOUX FALLS SD 57107-0145 : Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification 01/15/2014 $800 48 Paid items As of Balance aAmoure, Date of Actual ‘Scheduled Date of fst Date of Date May. Charge Of Deferred Pay Balioon Pay Balloon Date Date Reported Amount Past Que Last Payment = Paymet Amount Paymnt Amount Last Activity Del. 1st Rptd = Amount ‘Start Date Amount Pay Date Crosec 01/06/2018 $0 12/2017 __ $300 07/2018 12/2015 $1,149 Status - Charge Off, Type of Account - Revolving; Type of Loan - Credit Card, Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Paid For Less Than Full Balance; Paid C Off, Account History 122017 11/2017 10/2017 08/2017 08/2017 07/2017 08/2017 05/2017 04/2017 03/2017 02/2017 01/2017 12/2016 11/2016 10/2016 08/2016 OBl2016 07/2016 OGI2016 OS/2016 OA/20T6 03/2018 02/2016 01/2016 12/2015 11/2015 10/2015 09/2015 08/2015 L L L L 4 3 2 1 Balance Scheduled Actual Date of High Credit Amount Type of Activity Payment Payment Last Credit Limit Past Loan Designator Amount Amount Payment Due No Data Available with Status Codes L L L L L L L L L L L L L L L L L L L L L Historical Account Information 07/19 | No Data Available /19 | No Data Available ( Continued On Next Page ) Page 8 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124186

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Historical Account | Historical Account Information | Balance Scheduled Actual Pate of High Credit Amount Type of Activity Payment Payment Credit Limit Fast Loan Designator Amount Amount Payment }04/19 | No Data Available 3/19 | No Data Available 8 02/19 | No Data Available 1/19 | No Data Available A 2/18 | No Data Available A 1/18 | No Data Available B 10/18 | No Data Available 09/18 | No Data Available 08/18 | No Data Available 07/18 | No Data Available 06/18 | No Data Available No Data Available Additional Information: Charged Off Account ( Continued On Next Page ) Page 9 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124187

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| Historical Account Information | Account | Historical Account Information | Balance Scheduled Pate of High Amount Type of Activity Payment Payment Credit tone Past Loan Designator Amount Amount Payment fa fse@ Joris |r ans [ea ——— Additional Information: charged Off Account Flagship Credit Acceptance,lic 3 Christy Dr Ste 201 Chadds Ford PA 19317-9670 (EE ‘erma Frequency Number Date Opened High Credit Credit Limit Months Revd Activity Designator Crecitor Ctassification * 08/31/2016 $19,213 73M Monthi: 31 Paid and Closed items As of Balance Amount Date of Actual ‘Scheduled Date of tst Date of Ma. Charge OF Deferred Pay Balloon Pay Balloon Date Date Reported = Amount Past Due Last Payment Paymrt Amount Paymnt Amount Delinquency —_Lasst Activity Dal ‘tt Rped = Amount Start Date Amount Pay Date Closed 03/31/2019 $0 03/2019 $12,683 03/2019 03/2019 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account. ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; Auto; Fixed Rate; | Historical Account Information | Information Balance Scheduled Date of High Amount Type of Payment Payment Payne Credit um Past Loan Desigvetor Amount Amount Due No Data Available 07/19 | No Data Available 06/19 | No Data Available No Data Available 04/19 | No Data Available No Data Available 02/19 | No Data Available Additional Information: Fixed Rate ji2ne}sissze__[ssse__ | tsnrzone_[stozig Tate C™C™~—“—tCSYSSC‘“CSC*C‘*S Additional Information: Fixed Rate Additional Information: Fixed Rate ( Continued On Next Page ) Page 10 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124188

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Historical Account Information Balance Scheduled Actual Date of High Credit Amount Type of Activity Payment Payment Last Credit Limit Past Loan Designator Amount Amount Payment Due fone] siser | fi —— [__‘[ezore a Additional Information: Fixed Rate Additional Information: Fixed Rate fare|siaoor sass ssa Janno ser] |_| Additional Information: Fixed Rate : i 3 5 Additional Information: Fixed Rate joste|si4eso__|ssss_|ssso__— [sors |stezts | | Ato | Fe a 8 & 2 g z a zp s wre] sacs [seco [ss00 _[winove oars] | aw SCS | Additional Information: Fixed Rate No Data Available $15,897 sss | sf ttvzot =| $19,213 Additional Information: Fixed Rate Additional Information: Fixed Rate g : ‘ s ? 3 Additional Information: Fixed Rate g : i ( Continued On Next Page ) Page 11 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124189

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| Historical Account Information | | Historical Account Information | Information Balance Actual Date of High = Type of i Payment Payment Credit tii Loan Designator Amount Amount Payment ooir7 {$16,703 sss sao 9472017 = nai Information: Fixed Rate LEADERS Financial Company _ 67 Walnut Ave Ste 110 Clark NJ 07066-1640 [iD Number Date Opened High Credit Credit Lint Terms Duration Terms Frequency Months Revd Activity Oesignator Creditor Classification * 09/05/2010 $9,436 Monthl 32 Paid and Closed tems As of Balance Amount Cate of Actual ‘Scheduled Date of 1st Oate of Dare Na Charge Off Deferred Pay Balloon Pay Balloon Date Date Reponec Past ue Last Paymnt = Paymmnt Amount Paymnt Amount Delinquency Last Activty Del 1stRptd Amount ‘Start Oete Amount Pay Cate Closec 02/05/2014 0 04/2013 $293 03/2011 04/2013 Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Auto; Whose Account - Individual Account, ADDITIONAL INFORMATION - Closed or Paid Account/Zero Balance; NYS Dept.Social Serv.-Child SU —_ PO Box 818 New York NY 10013-0818 Date Opened High Creat Credit Linit Terms Duration Terns Frequency Months Revd Activity Designator Creditor Classification * 06/03/2013 _$0 54 ame oe —— Amount Date of Actual Schedted Date of 1st Date of Date mi Charge Off Deferred Pay Balloon Pay Balloon Date Date Reported Past Due Last Paymnt Paymnt Amount Paymrr Amount Last Activity Del tstRptd Amount Start Date Amount Payee Closed 08/12/2019 $1,044 $1,044 07/2019 $1,257 08/2018 07/2019 Status - Collection Account; Type of Account - Open; Type of Loan - Family Support; Whose Account - Individual Account: ADDITIONAL INFORMATION - ~ Child/Family Support; Collection Account, Account History 07/2019 06/2075 with StatusCodes & 4 | Historical Account Information | Account | Historical Account Information | Balance High pmount Type of Deaigato Payment fama Credit tim Loan Amount Amount Payment Additional Information: yo Account Additional Information: Collection Account CE CC 2 C5) a Cc A CCE) cA CC 2 ( Continued On Next Page ) Page 12 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124190

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Historical | Historical Account Information | Information Balance Scheduled Actual High redit Amount Type of Activity Payment Payment Last Credit te Past Loan Designator Amount Amount Due 103/19 | 19 | No Data Available C2) a C2 C5) Co CCT faves [sss] anno Jo [| | [ronment SSCS SSSCSC~*S frme[so see] [unaoe qwe ] —+d ———~iomv see SSCSCSCSSCC~*d fove]so [see] [wnaoe qo || |rmivsuen—SSSCSC~—~—SSSCSCSC*d ere]so [sss] [vane Jo | | FamivsmeotSSSSCSC~rSSCSCSC~* fere]so [sss] Juvaoe Jo | | _|FonivSmeot SSCS SSCSCSC~*S fomme]so [eee] [mmoe qm] | _|rmivsuetSSCSC~—SSCSC~*d fere]so [sss] Jovaore Jo | | |FomivSmeot SCS SSCSCSC~*Y CC) CC jowre]so [sss] [woe [so | | _|FemiySweotSSSSSCSCrSSCSCSC~*” wre]so eee] evans qm id ———~diomvsen SCSC~dSCSC“‘;SC*' jome]so [rss] [wens so] | ronson SSSSCSC~rSCSCSCSCSC~*™ fam]so [sss] nnow so [| | Femme SSSCSC~rSSCSCSC~*S frn]so [srs] unmow Jo [| | [foment SSCS SSCS fon]so [ese] [nau qm || |rmySmen SSCS SSCSCSC~*™ ( Continued On Next Page ) Page 13 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124191

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| Historical Account Information | | Historical Account Information | Information Balance Scheduled Actual High redit Amount Type of Activity Payment Payment tat” Credit uma past Loan Designator Amount Amount Payment a ee aL ee a ee USAA Savings Bank — PO Box 33009 San Antonio TX 78265-3009 Date Opened High Credit Credit Lime Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification 07/28/2016 $1,991 $2,800 Month 36 hems As of Balance Amount Date of Actual Schedied Date of 1st Date of Date Maj. Charge Off Deferred Pay Balloon Pay Balloon tae Date Reported = = Amount Past Due Last Paymnnt = Paymnt Amount Paymnt Amount Delinquency Last Activity «Del tst Rpt = Amount Stat Date = Amount Pay Date Closed | Historical Account Information | Account | Historical Account Information | 08/26/2019 $1,582 08/2019 $500 08/2019 Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account, ADDITIONAL INFORMATION - Credit Card; Balance Scheduled Actual High redit Amount Type of Activity Payment Payment teat Credit tee oo Loan Designator Amount Amount Payme: No Data eee Josma]sisea [sos 888___—sdanmore [sree ]s2800_[ ___] orediGar 03/19 Lp pp CC 12/18 | No Data ee SS a OA A A A No Data Available IGE oS CC STOR o_O —————#_ HO SO Coot ( Continued On Next Page ) Page 14 of 22 9259041182CVJ-002734482- 1- 1-S No Data Available EFTA00124192

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Historical Account Information Balance Scheduled Actual Date of High Credit Amount Type of Activity Payment Payment Last Credit Limit Past Loan Designator Amount Amount Payment Due 06/18 No Data Available osre]svses]sst____ [sot [onnove eres sooo] _|owatcwa SSCS SSCS jowre]srese se [sm [inure [wien Jeo] __oemcwa SSCS ~SSC~C~*' sre[svem [se sisi [evaoe eves soo] ‘oes ——SSSSCSC~—C—C—‘i SSCSCSC*d feare]siver___ [se [ser [vinore [eae sao] _Jowmcwa SCS SCSCSC~*Y lowe] sracs [sez [ses _[onaun [era sao] Jowmicea SCS. SCS 12/17 No Data Available A request for your credit history is called an inquiry. There are two types of inquiries ~ those that may impact your credit rating/score and those that do not. Inquiries that may impact your credit rating/score. These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. [inquiry Date(s) Comecast-Philadelphia 06/09/2019 4008 N Dupont Hwy New Castle, DE 19720-6314 Phone: Capital One 02/26/2019 Ee -_ pee” CREDIT BUREAU DISPUTE PLANO, TX 75025 Phone: USAA FSB CG 08/15/2018 3773 Howard Hughes Pkwy Las Vegas, NV 89169-0949 a, Report was used to generate an Insight Score which was resold by Equifax. Therefore, you are entitled to a copy of your Exchange Data Report. To order your data report or Insight Score call ( Continued On Next Page ) Page 15 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124193

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Inquiries that do not impact your credit rating/score. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to 2 years. Company Information - Prefix Descriptions: AM OR AR - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. CAR RENT - Inquiries with this prefix are from rental car companies regarding debit card payment acceptance. COLLECT - Inquiries with this prefix are for collection purposes and may be from the lender, a party collecting on the lender's behalf, or a company that purchased your debt. CONS RPT - Inquiries with this prefix are from your requests for your own report or requests you have authorized as part of a service or product. DDA - Inquiries with this prefix relate to a review of your consumer report for the opening of a deposit account. EMPL OR ND EMPL - Inquiries with this prefix indicate an employment inquiry. EQUIFAX OR EFX - Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy or your credit file or a research request. FIN PLAN - Inquiries with this prefix relate to a review of your consumer report for financial counseling or planning. INS - Inquiries with this prefix are from insurance companies regarding a review of your consumer report for insurance underwriting purposes. MEDICAL - Inquiries with this prefix are from medical service providers. ND - Inquiries with this prefix are general inquiries that do not display to creditor grantors. ND MR - Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. NON APPL - Inquiries with this prefix are used when companies review the consumer report of a spouse who is not a co-applicant. PR - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. PREQAUTO - Inquiries with this prefix are used when you have provided consent to be prequalified for an auto loan or lease. PREQCARD - Inquiries with this prefix are used when you have provided consent to be prequalified for a credit card. PREQCOMNM - Inquiries with this prefix are used when you have provided consent to be prequalified for telecommunications products or services. PREQHE - Inquiries with this prefix are used when you have provided consent to be prequalified for a home equity loan or line of credit. PREAQIL - Inquiries with this prefix are used when you have provided consent to be prequalified for an installment loan other than auto, mortgage or home equity. PREAQINS - Inquiries with this prefix are used when you have provided consent to be prequalified for an insurance quote. PREQMTG - Inquiries with this prefix are used when you have provided consent to be prequalified for a mortgage loan. PREQOD - Inquiries with this prefix are used when you have provided consent to be prequalified for an overdraft line of credit. PREQ - Inquiries with this prefix are used when you have provided consent to be prequalified for credit or services, not specific to auto, credit card, telecommunications, home equity, installment loan, insurance, mortgage or overdraft services. PRM - Inquires with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit of insurance. REFRESH - Inquiries with this prefix relate to the use of a consumer report in the period of time between underwriting and closing of a mortgage loan to ensure no new debt is identified. SUPPORT - Inquiries with this prefix are used by a social service agency related to a government benefit or child support. UTILSERV - Inquiries with this prefix are used when requesting utility services. [Company information «dingy Dates) CCC Equifax 09/16/2019 11/14/2017 11/14/2017 PO Box 740241 Atlanta, GA 30374-0241 Prone: as UTILSERV-Southem Gas Company 08/30/2019 1844 W Ferry Rd Naperville, IL 60563-9662 aS Soe PRM-Liberty Mutual Insurance 08/03/2019 157 BERKELEY ST BOSTON, MA 02116-510 ( Continued On Next Page ) Page 16 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124194

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| Company Information | inquiry Date(s) EEE PRM-Discover Financial Services 07/19/2019 07/05/2019 06/27/2019 06/21/2019 06/14/2019 06/07/2019 05/23/2019 04/26/2019 2500 Lake Cook Rd Riverwoods, iL 60015-3851 Phone: 04/19/2019 04/12/2019 04/05/2019 03/28/2019 03/22/2019 03/15/2019 03/08/2019 02/28/2019 02/22/2019 02/07/2019 02/01/2019 12/21/2018 12/13/2018 12/06/2018 11/29/2018 PRM-Citi Cards CBNA 07/01/2019 06/01/2019 04/27/2019 03/30/2019 02/23/2019 12/29/2018 11/27/2018 10/26/2018 PO BOX 6142 SIOUX FALLS, SD 57117-6142 Phone: 09/25/2018 PRM-Capital One Bank USA Na 06/29/2019 05/28/2019 04/30/2019 03/26/2019 12/26/2018 11/27/2018 09/25/2018 PO Box 85015 Richmond, VA 23285-5015 Phone: PREQCARD-Fortiva/Toom 06/16/2019 PO BOX 105555 ATLANTA, GA 30348-5555 Phone: DTC-Comecast-Philadelphia 06/09/2019 4008 N Di New Castle, DE 19720-6314 Phone: PRM-Amica Mutual Insurance CO 02/28/2019 P O Drawer 6008 10 Weybosset St Providence, RI 02903-2818 Phone: | PRM-Capital One Auto Finance 02/26/2019 01/29/2019 3901 Dallas Plano, TX 75093-7864 Phone: *=** End of Credit File **** Page 17 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124195

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Para infomacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, treet ., 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 ro 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 N.W., Washington, DC 20552. ° You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and rant 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 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. Page 18 of 22 9259041182CVJ-002734482- 1- 1-S EFTA00124196