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Click here or scroll down to respond to this candidate File Number: 315041374
Report Date: Dec Street Address , 2023
Name: Candidate's Name
Investigation Results Provided by TransUnion Address: Street Address Harmony rd
Consumer Relations
We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we
want to make sure your TransUnion credit report is accurate. It s our commitment to you. If we were able to make changes to
your credit report based on information you provided, we made those changes. Otherwise, we asked the company reporting
the information you disputed to do all of the following: 1. Review relevant information we sent them, including any documents
you gave us as part of your dispute 2. Investigate your dispute and verify whether the information they report is accurate 3.
Provide us a response to your dispute and update any other information 4. Update their records and systems, if necessary
Your dispute is important. In the sections that follow you will see your detailed investigation results, including the business
name and contact details of the source of the information. Please review the results carefully. To review a full copy of your
credit report, visit the Credit Report page and refresh your report.
How to Read Your Investigation Results
You will see that, for each disputed item, a summary explanation is shown above it, followed by a brief paragraph describing
the results of our investigation, followed by a view of how the item appears in your updated credit report. Please note any
changes we made to personal information (name, address, employment, SSN, date of birth) will appear at the end of Your
Investigation Results.
A Note on Credit Report Updates
Information in your credit report is updated frequently which means items you disputed may not appear on your credit report or
have already changed by the time we received your dispute. In most cases, the Date Updated or Reported date represents
the last time the account information was updated or reported by the data furnisher. Please note that this date may not change
following our investigation of your dispute. For Last Payment, please keep in mind, the data may not represent very recent
payment activity. For inactive accounts or accounts that have been closed and paid, Pay Status (sometimes just Status )
represents the last known status of the account.
Definitions
For your reference, here are some definitions to help you understand Your Investigation Results.
For Accounts:
Balance: The balance owed as of the date the Credit Limit: The maximum amount of credit approved by the
account was verified or reported creditor on the account
Date Opened: The date the account was opened High Balance: The highest amount ever owed on an account
Last Payment Made: The date the creditor received Maximun Delinquency If applicable, the maximum amount past
the last payment on the account due before an account becomes a charge-off or a collection account
Original Charge Off: If applicable, the amount Past Due: The amount past due as of the date the account was
charged off due to non-payment of the account verified or reported
Pay Status: The current status of the account; how Remarks: If applicable, the credit may provide additional
you are currently paying information here related to the account
Responsibility: The type of contractual ownership Terms: The monthly payment amount or monthly minimum
(individual, joint, authorized user, etc.) of the account payment due on the account
Rating Key
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Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings
describe the payments that may be reported by your creditors and will help you understand any updates to your Payment
History, if applicable to YOUR INVESTIGATION RESULTS. Any value in the account detail appearing with brackets (> <) may
indicate that it is considered adverse.
N/R: Not Reported
X: Unknown
OK: Current
30: 30 days late
60: 60 days late
90: 90 days late
120: 120 days late
COL: Collection
VS: Voluntary Surrender
RP: Repossession
C/O: Charge Off
FC: Foreclosure
Your Investigation Results
INVESTIGATION RESULTS - DISPUTED INFORMATION UPDATED AND
OTHER INFORMATION UPDATED:
In response to your dispute, this item was DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED
from your credit report.
BANK OF MISSOURI/TOTAL VISA #:PHONE NUMBER AVAILABLE****
Balance: $0 Credit Limit: $0
Date Opened: Mar 04, 2022 High Balance: $0
Last Payment Made: Jul 01, 2022 Maximun Delinquency Maximum Delinquency of 90 days in 11/2022 for $160
Original Charge Off: $428 Past Due: $0
Pay Status: >Sold; was Charged- Remarks: PURCHASED BY ANOTHER LENDER UNPAID BALANCE CHARGED
off< OFF
Responsibility: Individual Account Terms: Paid Monthly
In the preceding sections we have provided details on the results of our investigation. If our investigation has not resolved
your dispute, here s what you can do next:
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Add a 100-word statement to your report. What this means is that you have the right to send us a note of 100 words
or less describing your situation or why you disagree with the results, and we will add this statement to your report.
Anyone who views your report will see this statement. Please know that if you include any medical information in your
statement, this means you re giving TransUnion permission to include that information in any future credit report we
issue on your behalf.
Dispute directly with the company that reported the information to us. If you want changes made to information
found on your credit report you may dispute with the company that reported it using the contact information listed in Your
Investigation Results.
Provide to us any other information or documents about your dispute. Please visit
https://www.transunion.com/dispute and let us know you are filing a repeat dispute. Be sure to include any other
information or documentation you feel will help us resolve your dispute.
File a complaint about the company reporting the account or about TransUnion with the Consumer Financial Protection
Bureau or with your State s Attorney General s office.
If there has been a change to your credit report as a result of our investigation, or if you have added a statement to your
report, you may ask TransUnion to send an updated credit report to those who have received your report within the last 2
years for employment purposes or within the last 6 months for any other purpose.
Should You Wish to Contact TransUnion
Please have your TransUnion FILE NUMBER available. Your unique FILE NUMBER is located at the top of this page.
Online: To dispute information contained in your credit report, please visit the Dispute Center links to dispute center page or
go to https://www.transunion.com/disputeonline For more information please visit our Frequently Asked Questions anchor to
FAQ in dispute center page or go to https://www.transunion.com/consumerfaqs
By Mail: TransUnion P. O. Box 2000 Chester, PA 19016-2000
By Phone: PHONE NUMBER AVAILABLE You may contact us between the hours of 8:00 AM 11:00 PM ET, Monday through Friday, except
major holidays.
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