TU PEER REPORT: HOW RESPONSIBLE IS THE CONSUMER?

Types, Names, Descriptions, Testimony
David A. Szwak

TU PEER REPORT: HOW RESPONSIBLE IS THE CONSUMER?

Postby David A. Szwak » Thu Nov 03, 2005 6:49 pm

Sample Report
Determine how responsible an individual is with employment, tradeline, collection, public record, and inquiry information.

TRANS UNION PEER Report
TRANS UNION
555 W. ADAMS
CHICAGO, IL 60604
800-888-4213
Date Reported: 5/20/2003


Personal InformationName: ALFONSO B AEACOMMON Date of Birth:
SSN: 133-40-5381 Phone: 456-7890
On File Since: 6/1/2001

Address: 5 E COMPLIANT
FANTASY ISLAND IL 60750
Reported On: 8/1/2001

Address: 7 E 5S Avenue 5S
LARCHMONT NY 10538
Reported On: 6/1/2001




Employment InformationCompany Name: WEGMANS Occupation:
Date Hired: 5/1/2003 Separation Date:
Income:


Company Name: HOME DEPOT Occupation: RETAIL SALES
Date Hired: Separation Date:
Income:


Company Name: FDR Occupation:
Date Hired: Separation Date:
Income:


Company Name: MISC Occupation: E
Date Hired: Separation Date:
Income:





Report SummaryTotal # 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




CollectionsCreditor 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 RecordsRecord 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 LinesFirm 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 11111111111111111111111
Revolving account Banks and S&Ls - - - MIN
(01)Paid or paying as agreed - Individual account





InquiriesDate 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 MessagesCredit 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

202-720-7051#BR#

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