Cre

March 19, 2013

EQUIFAXTo Start An Investigation, Please Visit Us At:www.investigate.equifax.com

P.O. Box 105069Atlanta, GA 30348

|112353433997|

001370227-1704Aleksandr N Ivanov3051 Ocean Ave APTB7Brooklyn, NY 11235-3433

Dear Aleksandr N Ivanov:

You should contact the credit grantors that are reporting information you believe is fraudulent. Ask them to explaintheir fraud investigation process, what steps should be taken and how long the process normally takes. Additionallyrequest that they send you a letter or documentation stating the results of the investigation. Upon receipt, forward acopy of that letter to us.

If your ID information, such as driver's license or social security card, was lost or stolen, contact the appropriateissuing agency.

Enclosed is a copy of your Equifax credit file. Please review it for any unauthorized accounts or inquiries. Ifunauthorized information is reporting on your Equifax credit file, you may start an investigation immediately on-line atwww.investigate.equifax.com. Using the Internet to initiate an on-line investigation request will expedite the resolutionof your concerns. You may also start an investigation by completing and returning the enclosed Research RequestForm or by calling the toll free telephone number on the credit file. Please advise us of any documents that may helpus in the reinvestigation, such as an identity theft report or letters from credit grantors.

Results Of Your Investigation (For your security, the last 4 digits of your credit account number(s) have been replaced by *)

>>> We have researched the credit account. Account # - 6314847257LA0* The results are: We verified thatthis item belongs to you. Additional information has been provided from the original source regarding this item. If youhave additional questions about this item please contact: Keybank NTL Assoc, 800 Superior Ave E FL 6,Cleveland, OH 44114-2601 Phone: (800) 422-2442

>>> We have researched the credit account. Account # - 6314847257PA0* The results are: We verified thatthis item belongs to you. Additional information has been provided from the original source regarding this item. If youhave additional questions about this item please contact: National Collegiate Trust, 1200 N 7th St, Harrisburg, PA17102-1419 Phone: (800) 233-0557

>>> We have researched the credit account. Account # - 6314847257PA0* The results are: We verified thatthis item belongs to you. Additional information has been provided from the original source regarding this item. If youhave additional questions about this item please contact: National Collegiate Trust, 1200 N 7th St, Harrisburg, PA17102-1419 Phone: (800) 233-0557

>>> We have researched the credit account. Account # - 6314847257PA0* The results are: This item hasbeen deleted from the credit file. If you have additional questions about this item please contact: PNC EducationalLoan Cente, PO Box 757, Customer Service, Pittsburgh, PA 15265-0001 Phone: (800) 762-1001

notifies you within 24 hours of any activity. To order, go to: www.creditwatch.equifax.comProtect yourself with Equifax Credit Watch

TM, a service that monitors your credit file every business day and

The FBI Has Named Identity Theft As The Fastest Growing Crime In America.

Page 1 of 18 3051029489IK5-001370227- 1704- 17504 - S

New York Consumers Have the Right to Obtain a Security Freeze

You have a right to place a "security freeze" on your credit report, which will prohibit a consumer credit reportingagency from releasing information in your credit report without your express authorization. A security freeze mustbe requested in writing, delivery confirmation requested, or via telephone, secure electronic means, or othermethods developed by the consumer credit reporting agency. The security freeze is designed to prevent credit,loans, and services from being approved in your name without your consent. However, you should be aware thatusing a security freeze to take control over who gets access to the personal and financial information in your creditreport may delay, interfere with, or prohibit the timely approval of any subsequent request or application you makeregarding a new loan, credit, mortgage, government services or payments, insurance, rental housing, employment,investment, license, cellular phone, utilities, digital signature, internet credit card transaction, or other services,including an extension of credit at point of sale. When you place a security freeze on your credit report, you will beprovided a personal identification number or password to use if you choose to remove the freeze on your creditreport or authorize the release of your credit report to a specific party or for a period of time after the freeze is inplace. To provide that authorization you must contact the consumer credit reporting agency and provide all of thefollowing:

(1) the personal identification number or password;

(2) proper identification to verify your identity;

(3) the proper information regarding the party or parties who are to receive the credit report or the period of time for which the report shall be available to users of the credit report; and

(4) payment of any applicable fee.

A consumer credit reporting agency must authorize the release of your credit report no later than three businessdays after receiving the above information. Effective September first, two thousand nine, a consumer creditreporting agency that receives a request via telephone or secure electronic method shall release a consumer's creditreport within fifteen minutes when the request is received.

A security freeze does not apply to circumstances in which you have an existing account relationship and a copy ofyour report is requested by your existing creditor or its agents or affiliates for certain types of account review,collection, fraud control or similar activities.

If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze mayslow your application for credit. You should plan ahead and lift a freeze, either completely if you are shoppingaround, or specifically for a certain creditor, before applying for new credit. When seeking credit or pursuing anothertransaction requiring access to your credit report, it is not necessary to relinquish your pin or password to the creditoror business; you can contact the consumer credit reporting agency directly. If you choose to give out your pin orpassword to the creditor or business, it is recommended that you obtain a new pin or password from the consumercredit reporting agency.

To place a security freeze on your Equifax credit report, send a request in writing to:

State of New York - Notice to Consumers

Equifax Security FreezeP.O. Box 105788Atlanta, GA 30348

Or, you may contact us on the web at equifax.com or call 800-349-9960.

There is no initial fee to place a security freeze. If you are a victim of identity theft and you submit a copy of asigned Federal Trade Commission ID theft victim's affidavit, or a copy of a report of ID theft from a law enforcementagency, no fees will be charged. Include your complete name, complete address, social security number and dateof birth.

Written confirmation of the security freeze will be sent within 5 business days of receipt of the request via first classmail. It will include your unique personal identification number and instructions for removing the security freeze orauthorizing the release of your credit report for a specific party or specific period of time.

Page 2 of 18 3051029489IK5-001370227- 1704- 17504 - S

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 thetelephone number.

If the reinvestigation does not resolve your dispute, you have the right to add a statement to your credit file disputingthe accuracy or completeness of the information; the statement should be brief and may be limited to not more thanone 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 thepreceding paragraph, you have the right to request that we send your revised credit file to any company specificallydesignated 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.

Notice to Consumers

Page 3 of 18 3051029489IK5-001370227- 1704- 17504 - S

EQUIFAXCREDIT FILE : March 19, 2013 Confirmation # 3051029489Personal Identification Information (This section includes your name, current and previousaddresses, and any other identifying information reported by your creditors.)

Please address all future correspondence to:

www.investigate.equifax.com

Equifax Information Services LLCP. O. Box 105069Atlanta, GA 30348

Phone: (877) 528-6481M - F 9:00am to 5:00pm in your time zone.

In order to speak with a Customer Service Representative regardingthe specific information contained in this credit file, you must callWITHIN 60 DAYS of the date of this credit file AND have a copy ofthis credit file along with the confirmation number.

Name On File: Aleksandr N Ivanov

Social Security # XXX-XX-4745 Date of Birth: June 1, 1979

Current Address: 3051 Ocean Ave Aptb7, Brooklyn, NY 11235 Reported: 03/2013Previous Address(es): 5528 S Everett Ave, Chicago, IL 60637 Reported: 02/2013

1350 Nicollet Ave Apt 152, Minneapolis, MN 55403 (612) 871-1288 Reported:02/2013630 Broadway St NE, Minneapolis, MN 55413 Reported: 01/20113418 Hampshire Ave N, Crystal, MN 55427 Reported: 01/2011690 Broadway St NE, Minneapolis, MN 55413 (612) 617-8013 Reported:03/2013

Formerly Known As: Alexander Ivanov; Aleksandr Ivanov Sr

(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)Credit Account Information

Account Column Title Descriptions:

- The Amount Past Due as of the Date Reported- The Date of Last Payment- The Actual Amount of Last Payment- The Requested Amount of Last Payment- The Date of First Delinquency- The Date of the Last Account Activity- The Date the 1st Major Delinquency Was Reported- The Amount Charged Off by Creditor- The 1st Payment Due Date for Deferred Loans- The Amount of Final(Balloon) Payment- The Date of Final(Balloon) Payment- The Date the Account was Closed

- The Account number reported by credit grantor- The Date that the credit grantor opened the account- The Highest Amount Charged- The Highest Amount Permitted- The Number of Installments or Payments- The Scheduled Time Between Payments- The Number of Months Reviewed- The Most Recent Account Activity- The Type of Company Reporting The Account- Date of Last Reported Update- The Total Amount Owed as of the Date Reported- Condition of Account When Last Updated by Creditor or Otherwise

Amount Past DueDate of Last Paymnt

Actual Pay AmtSched Pay Amt

Date of 1st DelinquencyDate of Last ActvtyDate Maj Delq Rptd

Charge Off AmtDeferred Pay Date

Balloon Pay AmtBalloon Pay Date

Date Closed

Account NumberDate Acct. Opened

High CreditCredit Limit

Terms DurationTerms FrequencyMonths Reviewed

Activity DesignatorCreditor ClassDate Reported

Balance AmountStatus

1 : 30-59 Days Past Due2 : 60-89 Days Past Due3 : 90-119 Days Past Due4 : 120-149 Days Past Due

Account HistoryStatus CodeDescriptions

JKL

: Voluntary Surrender: Repossession: Charge Off

5 : 150-179 Days Past Due6 : 180 or More Days Past Due

: Collection Account: Foreclosure

GH

Aes/PNC Education Loan Center Customer Service-757 Pittsburgh PA 15265-0001 : (800) 762-1001

Date ofLast Paymnt

ScheduledPaymnt Amount

Actual Paymnt Amount

AmountPast Due

BalanceAmount

Items As ofDate Reported

Monthly11/01/20076314847257PA0*Date Closed

Terms FrequencyTerms DurationCredit LimitHigh CreditDate Opened

05/201105/2011

Balloon PayAmount

Deferred PayStart Date

BalloonPay Date

Charge Off Amount

Date Maj. Del. 1st Rptd

Date of Last Activity

Creditor ClassificationActivity Designator

45Months Revd

09/01/2011

Date of 1st

Delinquency

Account Number

Status - Contact The Credit Grantor For Status; Type of Loan - Education Loan; ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process;

( Continued On Next Page ) Page 4 of 18 3051029489IK5-001370227- 1704- 17504 - S

Capital One Bank USA Na PO Box 85015 Richmond VA 23285-5015 : (800) 955-7070

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly04/18/2012517805775838*Date Closed

Terms FrequencyTerms Duration

$500 Credit Limit

$410 High CreditDate Opened

$25 $50 $342 02/201301/2013

Balloon PayAmount


BalloonPay Date

Charge Off Amount




9Months Revd

02/15/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Credit Card;

Capital One Bank USA Na PO Box 85015 Richmond VA 23285-5015 : (800) 955-7070

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly

12/2007

05/01/2003517805231411*Date Closed


$500 Credit Limit


$114 $0 06/200706/2007

Balloon PayAmount


BalloonPay Date

Charge Off Amount




Paid and Closed56Months Revd

01/01/2008

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Closed or Paid Account/ZeroBalance; Account Closed By Credit Grantor;

04/200705/2007

12Account History

with Status Codes

Gecrbpaypalsmartconn PO BOX 965005 Orlando FL 32896 : (800) 234-7455

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly

12/2006

12/19/2005604407100437*Date Closed


$197 Credit Limit


$0 05/200705/2007

Balloon PayAmount


BalloonPay Date

Charge Off Amount





02/15/2013

Date of 1st

Delinquency

Account Number


11/200612/2006

12Account History

with Status Codes

Hsbc Bank PO BOX 52530 CAROL STREAM IL 60196 : (800) 477-6000

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly

02/2009

07/01/2006512025500227*Date Closed


$500 Credit Limit


$0 03/200803/2008

Balloon PayAmount


BalloonPay Date

Charge Off Amount





02/01/2009

Date of 1st

Delinquency

Account Number


10/200811/200812/200801/2009

1234Account History

with Status Codes

Hsbc Comp USA PO Box 5253 Carol Stream IL 60197 : (800) 695-6950

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly

11/2009

01/01/2004305601-511525*Date Closed


$0 Credit Limit

$1,383 High CreditDate Opened

$0 10/200710/2007

Balloon PayAmount


BalloonPay Date

Charge Off Amount





11/01/2009

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Joint Account; ADDITIONAL INFORMATION - Closed or Paid Account/ZeroBalance; Charge;


Keybank National Association 800 Superior Ave E Fl 6 Cleveland OH 44114-2601 : (800) 422-2442

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly08/20/20066314847257LA0*Date Closed

Terms FrequencyTerms DurationCredit Limit


$14,796 $0 04/2008

Balloon PayAmount


BalloonPay Date

Charge Off Amount




19Months Revd

04/20/2008 09/2007

Date of 1st

Delinquency

Account Number

Status - Over 120 Days Past Due; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Maker; ADDITIONAL INFORMATION - Consumer Disputes -Reinvestigation in Process;

11/200712/200701/200802/200803/2008

23444Account History

with Status Codes

Kohls/Chase N56W17000 Ridgewood Dr Menomonee Falls WI 53051-5660 : (262) 703-7000

Date ofLast Paymnt



AmountPast Due

BalanceAmount


02/2010

10/01/20044031955*Date Closed


$1,000 Credit Limit


$26 $0 04/200704/2007

Balloon PayAmount


BalloonPay Date

Charge Off Amount





02/01/2010

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Joint Account; ADDITIONAL INFORMATION - Closed or Paid Account/ZeroBalance; Credit Card; Account Closed Due to Inactivity;

Lease Finance Group LLC 233 N Michigan Ave Ste Chicago IL 60601-5519 : (888) 321-2307

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly 48 Months04/01/2006201001498*Date Closed



$30 $35 02/201002/2010

Balloon PayAmount


BalloonPay Date

Charge Off Amount




46Months Revd

02/01/2010

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Lease; Whose Account - Individual Account; ADDITIONAL INFORMATION - Lease;

Macy's/Dsnb PO Box 8218 Mason OH 45040-8218 : (800) 243-6552

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly09/01/1997437131657*Date Closed


$100 Credit Limit


$0 11/200711/2007

Balloon PayAmount


BalloonPay Date

Charge Off Amount




15Months Revd

03/03/2013

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Charge Account; Whose Account - Joint Account; ADDITIONAL INFORMATION - Charge;

National Collegiate Trust 1200 N 7th St Harrisburg PA 17102-1419 : (800) 233-0557

Date ofLast Paymnt



AmountPast Due

BalanceAmount





$3,990 $0 08/2008

Balloon PayAmount


BalloonPay Date

Charge Off Amount




55Months Revd

08/20/2008 12/2007

Date of 1st

Delinquency

Account Number


03/200804/2008 01/200805/200806/200807/2008


with Status Codes


National Collegiate Trust 1200 N 7th St Harrisburg PA 17102-1419 : (800) 233-0557

Date ofLast Paymnt



AmountPast Due

BalanceAmount





$20,450 $0 07/2008

Balloon PayAmount


BalloonPay Date

Charge Off Amount




30Months Revd

07/20/2008 08/2007

Date of 1st

Delinquency

Account Number


09/200711/200712/200702/200803/2008 10/200701/200804/200805/200806/2008


with Status Codes

U S Department of Edu Afsa PO BOX 7202 UTICA NY 13504-7202 : (800) 848-0979

Date ofLast Paymnt



AmountPast Due

BalanceAmount


120 Months01/01/2008473294*Date Closed



$91 $0 08/2008

Balloon PayAmount


BalloonPay Date

Charge Off Amount




32Months Revd

09/01/2010 08/2008

Date of 1st

Delinquency

Account Number

Status - Collection Account; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Collection Account;Student Loan;

11/200901/201002/201004/201005/2010 12/200903/201006/201007/201008/2010


with Status Codes

US Department of Education PO Box 5609 Greenville TX 75403-5609 : (800) 621-3115

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Single Pay Loan 36 Months01/14/2008793*Date Closed



$8 $6,950 $6,950 09/2012 02/2013

Balloon PayAmount


BalloonPay Date

Charge Off Amount




Educational 5Months Revd

02/09/2013 09/2009

Date of 1st

Delinquency

Account Number

Status - Collection Account; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student LoanAssigned to Government; Collection Account;

09/201210/201211/201212/201201/2013

GGGGGAccount History

with Status Codes


Date ofLast Paymnt



AmountPast Due

BalanceAmount





$7 $6,237 $6,237 06/2012 02/2013

Balloon PayAmount


BalloonPay Date

Charge Off Amount





02/09/2013 09/2009

Date of 1st

Delinquency

Account Number


09/201210/2012 06/201211/201212/201201/2013

GGGGGGAccount History

with Status Codes


Date ofLast Paymnt



AmountPast Due

BalanceAmount





$1 $492 $492 06/2012 02/2013

Balloon PayAmount


BalloonPay Date

Charge Off Amount





02/09/2013 09/2009

Date of 1st

Delinquency

Account Number


09/201210/2012 06/201211/201212/201201/2013

GGGGGGAccount History

with Status Codes


Wells FARGO EFS PO Box 84712 Sioux Falls SD 57118-4712 : (800) 642-4720

Date ofLast Paymnt



AmountPast Due

BalanceAmount


Monthly

08/2003

09/01/1999609*Date Closed



$95 $7 $0 08/200308/2003

Balloon PayAmount


BalloonPay Date

Charge Off Amount





08/01/2003

Date of 1st

Delinquency

Account Number

Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Unsecured; Whose Account - Co-Maker Or Co-Signer;

This section lists companies that requested your credit file. Credit grantors may view these requests when evaluating your credit worthiness. Employment inquiries do not impact your credit score.

Inquiries that display to companies (may impact your credit score)

Inquiry Date(s)Company Information01/08/2013Chase Home Finance

Hld - Columbus Floor 4 1111 Polaris Pkwy Columbus, OH 43240-2031

01/03/2013 07/01/2012 04/05/2012 02/01/2012 08/15/2011Capital One

PO Box 30253 Salt Lake City, UT 84130-0253 Phone: (800) 695-6950

10/22/2012Allied Interstate−Collectech S

3111 S Dixie Hwy Ste 101 West Palm Beach, FL 33405-1520 Phone: (561) 684-2213

10/09/2012 04/11/2012 03/09/2012Webbank/Bml

9690 Deereco Rd Timonium, MD 21093-6991 Phone: (866) 528-3733

09/23/2012Comcast − Chicago

1500 McConnor Pkwy Schaumburg, IL 60173-4399

08/27/2012Credco::FIAT OF BROOKLYN PAR

12395 First American Way Poway, CA 92064-6897 Phone: (800) 637-2422

04/18/2012Capital One Bank USA Na

PO Box 30281 Salt Lake City, UT 84130-0281

12/20/2011Quality LEADS USA LLC

105 E Oak St Ste 201 Mansfield, TX 76063-7713

06/28/2011Performant Recovery Inc

555 McCormick St San Leandro, CA 94577-1107

(This section includes inquiries which display only to you and are not considered when evaluating your credit worthiness. - examples of this inquiry type include a pre-approved offer of credit,insurance, or periodic account review by an existing creditor.)

Inquiries that do not display to companies (do not impact your credit score)

Inquiries 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 orinsurance. (PRM inquiries remain for 12 months)Inquires with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. (PR Inquires remain for 12months)Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. (AM and AR inquiries remain for 12 months)Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request.Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for 24 months)Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company inconnection with a mortgage loan. (ND MR inquiries remain for 24 months)Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)

PRM -

PR -

AM or AR -Equifax or EFX -

ND -ND MR -

EMPL -

Company Information - Prefix Descriptions:

Inquiry Date(s)Company Information


Inquiry Date(s)Company Information02/20/2013 02/20/2013 08/02/2012Equifax

1550 Peachtree St NE Mail Drop H-30 Atlanta, GA 30309-2402

01/22/2013 12/17/2012 09/21/2012 08/17/2012 06/18/2012 05/17/2012AR−Capital One

PO Box 26030 Richmond, VA 23260-6030

01/15/2013PRM−The Lending Tree

6701 Carmel Rd Ste 205 Charlotte, NC 28226-0210

01/08/2013Truecredit/Chase

100 Cross St Ste 202 San Luis Obispo, CA 93401-7570

01/08/2013Truecredit/Mycredithealth

100 Cross St Ste 202 San Luis Obispo, CA 93401-7570

10/17/2012ND−Equifax Credit Marketing

1525 Windward Concourse Services Alpharetta, GA 30005-4180

08/26/2012Equifax Consumer Services

1600 Peachtree St NW Esecure Atlanta, GA 30309-2403

08/02/2012ND−Equifax

PO Box 740250 Atlanta, GA 30374-0250

07/20/2012PRM−7th Avenue

1112 7th Ave Monroe, WI 53566-1364

06/28/2012PRM−At&T Services

13801 Wireless Way Oklahoma City, OK 73134-2500

05/24/2012 03/26/2012PRM−Capital One Auto Finance

3901 Dallas Pkwy Plano, TX 75093-7864

04/25/2012AR−Capital One Bank USA Na

PO Box 30281 Salt Lake City, UT 84130-0281

04/13/2012PRM−Capital One Bank USA Na

PO Box 85015 Richmond, VA 23285-5015 Phone: (800) 955-7070

04/05/2012 02/01/2012 08/15/2011ND−Capital One

PO Box 30253 Salt Lake City, UT 84130-0253 Phone: (800) 695-6950

**** End of Credit File **** Page 9 of 18 3051029489IK5-001370227- 1704- 17504 - S

Page 10 of 18 3051029489IK5-001370227- 1704- 17504 - S

Para infomacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a laConsumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20006.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy ofinformation in the files of consumer reporting agencies. There are many types of consumerreporting agencies, including credit bureaus and specialty agencies (such as agencies that sellinformation about check writing histories, medical records, and rental history records). Here is asummary of your major rights under the FCRA. For more information, including informationabout additional rights, go to www.consumerfinance.gov/learnmore or write to: ConsumerFinancial Protection Bureau, 1700 G Street N.W., Washington, DC 20006.

o You must be told if information in your file has been used against you. Anyone who usesa 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, andmust give you the name, address, and phone number of the agency that provided theinformation.

o You have the right to know what is in your file. You may request and obtain all theinformation about you in the files of a consumer reporting agency (your "file disclosure"). Youwill be required to provide proper identification, which may include your Social Securitynumber. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:

you are unemployed but expect to apply for employment within 60 days.you are on public assistance;your file contains inaccurate information as a result of fraud;you are the victim of identity theft and place a fraud alert in your file;

In addition, all consumers are entitled to one free disclosure every 12 months upon requestfrom each nationwide credit bureau and from nationwide specialty consumer reportingagencies. See www.consumerfinance.gov/learnmore for additional information.

o

o

o

o

o a person has taken adverse action against you because of information in your credit report;

o You have the right to ask for a credit score. Credit scores are numerical summaries of yourcredit-worthiness based on information from credit bureaus. You may request a credit scorefrom consumer reporting agencies that create scores or distribute scores used in residentialreal property loans, but you will have to pay for it. In some mortgage transactions, you willreceive credit score information for free from the mortgage lender.

o You have the right to dispute incomplete or inaccurate information. If you identifyinformation in your file that is incomplete or inaccurate, and report it to the consumer reportingagency, the agency must investigate unless your dispute is frivolous. Seewww.consumerfinance.gov/learnmore for an explanation of dispute procedures.

o Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within 30 days. However, a consumer reporting agency maycontinue to report information it has verified as accurate.

o Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.

o Access to your file is limited. A consumer reporting agency may provide information aboutyou 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 needfor access.

Page 11 of 18 3051029489IK5-001370227- 1704- 17504 - S

o You must give your consent for reports to be provided to employers. A consumerreporting agency may not give out information about you to your employer, or a potentialemployer, without your written consent given to the employer. Written consent generally isnot required in the trucking industry. For more information, go to towww.consumerfinance.gov/learnmore.

o You may limit "prescreened" offers of credit and insurance you get based oninformation in your credit report. Unsolicited "prescreened" offers for credit and insurancemust include a toll-free phone number you can call if you choose to remove your name andaddress from the lists these offers are based on. You may opt-out with the nationwide creditbureaus at 1-888-5-OPTOUT (1-888-567-8688).

o You may seek damages from violators. If a consumer reporting agency, or, in some cases,a user of consumer reports or a furnisher of information to a consumer reporting agencyviolates the FCRA, you may be able to sue in state or federal court.

o Identity theft victims and active duty military personnel have additional rights. For moreinformation, visit to www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws.In some cases, you may have more rights under state law. For more information, contactyour state or local consumer protection agency or your state Attorney General. Forinformation about your federal rights, contact:

4. Creditors Subject to Surface Transportation Board

3. Air carriers

d. Federal Credit Unions

c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations

b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act

2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks

b. Such affiliates that are not banks, savings associations, or credit unions

a. Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20006

1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.

CONTACT:TYPE OF BUSINESS:

Office of Proceedings, Surface Transportation BoardDepartment of Transportation1925 K Street NWWashington, DC 20423

Asst. General Counsel for Aviation Enforcement & ProceedingsDepartment of Transportation400 Seventh Street SWWashington, DC 20590

d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314

c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106

b. Federal Reserve Consumer Help Center P. O. Box 1200 Minneapolis, MN 55480

a. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010−9050

Nearest Packers and Stockyards Administration area supervisor5. Creditors Subject to Packers and Stockyards Act

Associate Deputy Administrator for Capital AccessUnited States Small Business Administration409 Third Street, SW, 8th FloorWashington, DC 20416

6. Small Business Investment Companies

b. Federal Trade Commission: Consumer Response Center − FCRA Washington, DC 20580 (877) 382−4357

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Farm Credit Administration1501 Farm Credit DriveMcLean, VA 22102−5090

8. Federal Land Banks, Federal Land Bank Associations, FederalIntermediate Credit Banks, and Production Credit Associations

FTC Regional Office for region in which the creditor operates orFederal Trade Commission: Consumer Response Center − FCRAWashington, DC 20580(877) 382−4357

9. Retailers, Finance Companies, and All Other Creditors Not ListedAbove

TYPE OF BUSINESS:

Securities and Exchange Commission100 F St NEWashington, DC 20549

7. Brokers and Dealers

CONTACT:

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Para infomacion en espanol, visite www.consumerfinance.gov o escribe a la ConsumerFinancial Protection Bureau, 1700 G Street N.W., Washington, DC 20006.

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency thatyou believe that you are a victim of identity theft. Identity theft occurs when someone uses yourname, Social Security number, date of birth, or other identifying information, without authority, tocommit fraud. For example, someone may have committed identity theft by using your personalinformation to open a credit card account or get a loan in your name. For more information, visitwww.consumerfinance.gov or write to: Consumer Financial Protection Bureau, 1700 G StreetN.W., Washington, DC 20006.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that youare, the victim of identity theft. Here is a brief summary of the rights designed to help you recoverfrom identity theft.

1. You have the right to ask that nationwide consumer reporting agencies place "fraudalerts" in your file to let potential creditors and others know that you may be a victim ofidentity theft. A fraud alert can make it more difficult for someone to get credit in your namebecause it tells creditors to follow certain procedures to protect you. It also may delay yourability to obtain credit. You may place a fraud alert in your file by calling just one of the threenationwide consumer reporting agencies. As soon as that agency processes your fraud alert,it will notify the other two, which then also must place fraud alerts in your file.

1-800-525-62851-888-397-37421-800-680-7289

www.equifax.com www.experian.comwww.transunion.com

* Equifax: * Experian: * TransUnion:

An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your filefor seven years. To place either of these alerts, a consumer reporting agency will require youto provide appropriate proof of your identity, which may include your Social Security number.If you ask for an extended alert, you will have to provide an identity theft report . An identitytheft report includes a copy of a report you have filed with a federal, state, or local lawenforcement agency, and additional information a consumer reporting agency may require youto submit. For more detailed information about the identity theft report , visitwww.consumerfinanace.gov.

2. You have the right to free copies of the information in your file (your "file disclosure").An initial fraud alert entitles you to a copy of all the information in your file at each of the threenationwide agencies, and an extended alert entitles you to two free file disclosures in a12-month period following the placing of the alert. These additional disclosures may help youdetect signs of fraud, for example, whether fraudulent accounts have been opened in yourname or whether someone has reported a change in your address. Once a year, you alsohave the right to a free copy of the information in your file at any consumer reporting agency,if you believe it has inaccurate information due to fraud, such as identity theft. You also havethe ability to obtain additional free file disclosures under other provisions of the FCRA. Seewww.ftc.gov/credit.

3. You have the right to obtain documents relating to fraudulent transactions made oraccounts opened using your personal information. A creditor or other business must giveyou copies of applications and other business records relating to transactions and accountsthat resulted from the theft of your identity, if you ask for them in writing. A business may askyou for proof of your identity, a police report, and an affidavit before giving you thedocuments. It also may specify an address for you to send your request. Under certaincircumstances, a business can refuse to provide you with these documents. Seewww.consumer.gov/idtheft.

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4. You have the right to obtain information from a debt collector. If you ask, a debt collectormust provide you with certain information about the debt you believe was incurred in yourname by an identity thief - like the name of the creditor and the amount of the debt.

5. If you believe information in your file results from identity theft, you have the right toask that a consumer reporting agency block that information from your file. An identitythief may run up bills in your name and not pay them. Information about the unpaid bills mayappear on your consumer report. Should you decide to ask a consumer reporting agency toblock the reporting of this information, you must identify the information to block, and providethe consumer reporting agency with proof of your identity and a copy of your identity theftreport. The consumer reporting agency can refuse or cancel your request for a block if, forexample, you don't provide the necessary documentation, or where the block results from anerror or a material misrepresentation of fact made by you. If the agency declines or rescindsthe block, it must notify you. Once a debt resulting from identity theft has been blocked, aperson or business with notice of the block may not sell, transfer, or place the debt forcollection.

6. You also may prevent businesses from reporting information about you to consumerreporting agencies if you believe the information is a result of identity theft. To do so,you must send your request to the address specified by the business that reports theinformation to the consumer reporting agency. The business will expect you to identify whatinformation you do not want reported and to provide an identity theft report .

In addition to the new rights and procedures to help consumers deal with the effects of identitytheft, the FCRA has many other important consumer protections. They are described in moredetail at www.ftc.gov/credit.

To learn more about identity theft and how to deal with its consequences, visitwww.consumer.gov/idtheft, or write to the FTC. You may have additional rights under state law.For more information, contact your local consumer protection agency or your state attorneygeneral.

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Commonly Asked Questions About Credit Files

A.Q.

Yes, there are a number of organizations that offer assistance. For example, the Consumer Credit Counseling Service (CCCS) is a non−profitorganization that offers free or low−cost financial counseling to help people solve their financial problems. CCCS can help you analyze yoursituation and work with you to develop solutions. There are more than 600 CCCS offices throughout the country. Call 1 (800) 388−2227 forthe telephone number of the office nearest you.

If I do have credit problems, is there someplace where I can get advice and assistance ?

A.Q.

Complete the Research Request form and give details of the information you believe is incorrect. We will then check with the credit grantor,collection agency or public record source to see if any error has been reported. Information that cannot be verified will be removed from yourfile. If you and a credit grantor disagree on any information, you will need to resolve the dispute directly with the credit grantor who is thesource of the information in question.

Experian, P.O. Box 9530 Allen, TX 75013 Phone: (888) 397-3742

Trans Union, PO Box 1000, Chester, PA 19022 Phone: (800) 888-4213

Credit information providers do not share your credit data with each other. As a result, updates made to your Equifax credit file may not bereflected on reports from Experian and TransUnion. You will need to contact the other credit information services directly to correct anyinaccurate information. Contact information is provided below:

Why doesn't my credit information from Equifax match that of Experian and TransUnion ?A.Q.

How can I correct a mistake in my credit file ?

A.Q.

When the credit grantor accesses your credit file, they should contact you as a part of their credit application approval process.Once the fraud alert is added to my credit file, who will contact me to verify if an application is legitimate ?

Facts You Should Know

The length of time an account or record remains in your credit file is shown below:

Payment history for an account on your credit file, if any, is found at the bottom of an account under the title "Account History with Status

Codes". This history reflects the month, year and late payment status, and is generally supplied by credit grantors or other furnishers of

information to Equifax with whom you have a relationship. This history is included on both open accounts and accounts that have already

been closed. Payment in full does not remove your payment history. If you have always paid an account as agreed, the account should not

have payment history status information. Specific payment history typically remains on your credit file for up to 7 years from the date shown

for it.

Accounts paid as agreed remain for up to 10 years from the Date of Last Activity. Accounts not paid as

agreed (i.e. delinquent, charge off, accounts placed for collection) remain for up to 7 years from the

Date of 1st Delinquency.

Public Records:

Credit or Other Reported Accounts:

New York State Residents Only:

Collection Agency Accounts: Remain for up to 7 years from the Date of 1st Delinquency.

Unpaid tax liens remain for up to 10 years from the date filed or up to 7 years from the date released.California State Residents Only:

Satisfied judgments remain for up to 5 years from the date filed; paid collections remain for up to 5years from the Date of 1st Delinquency.

Remain for up to 7 years from the date filed, except:Bankruptcy − Chapter 7 and 11 remain for up to 10 years from the date filed.Bankruptcy − Chapter 13 dismissed or no disposition rendered remain for up to 10 years from the date filed.Unpaid state tax liens remain indefinitely.Unpaid federal tax liens remain for up to 10 years from the date filed.Paid tax liens remain for up to 7 years from the date released.

°

° Name, address, and Social Security Number information may be provided to businesses that have a legitimate need to locate or identify aconsumer.

To protect your information from misuse, you should monitor any change in mail receipt patterns. Ensure that documents containing personaldata or account numbers are destroyed or made illegible before disposing of them. Do not preprint checks or other documents with uniqueidentifiers such as your driver’s license or social security number. Never give out your account number or identifying information on phone callsin which you did not initiate the contact.

To have a fraud alert removed from your credit file, identification information, such as, a copy of your driver’s license or utility bill reflecting yourcurrent address along with a copy of your social security card must be provided.

°

°

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Additional Notice to Consumer:You may request a description of the procedure used to determine the accuracy and completeness of the information, including the businessname 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 orcompleteness of the information; the statement should be brief and may be limited to not more than one hundred words (two hundred words forMaine 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, youhave the right to request that we send your revised credit file to any company specifically designated by you that received your credit report inthe past six months (twelve months for California, Colorado, Maryland, New Jersey and New York residents) for any purpose or in the past twoyears for employment purposes.

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EQUIFAX RESEARCH REQUEST FORMYou may initiate an investigation request via the internet at www.investigate.equifax.com . To initiate yourrequest or if you elect below to have the results of your investigation posted on a secured website, you willneed the below confirmation number, email address you provided, and ID information.

Or, mail this document to the following address:

(877) 528-6481

Equifax Information Services LLCP. O. Box 105069Atlanta, GA 30348

Email Address (please print clearly):

Would you like Equifax to hide the first 5 digits of your social security number on our response to you? Circle: Yes No

Confirmation Number: 3051029489 Intentionally making any false statements to a consumer reporting agency for the purpose of having it placed on a consumer report is punishable by

law in some states. To ensure that your request is processed accurately, please enlarge photocopies of any items that contain small print (i.e.

driver’s license, W2 Forms, etc.). Photocopies that are not legible or contain highlighting may cause us to request that you resubmit your request for

clarity.

If your identity information differs from the information listed on this form, please fill in the correct information in the space provided for each item.

Please provide a photocopy of your driver’s license, social security card, or recent utility bill that reflects the correct information.

Name: Aleksandr N Ivanov SS#: XXX-XX-4745DOB: June 1, 1979

3051 Ocean Ave Aptb7, Brooklyn, NY 11235Current Address:

Previous Address(es): 5528 S Everett Ave, Chicago, IL 606371350 Nicollet Ave Apt 152, Minneapolis, MN 55403

List other names which you have used for credit in the past

Evening Phone NumberDaytime Phone Number

Fraud Account Information

Fraudulent/unauthorized charges made on the account I established.

Fraudulent account was established using personal identification without my authorization.Reason for investigation:

Company Name Account Number

If you have notified this creditor of the fraudulent information, please provide the following:

Other (Please explain)

Contact Name _____________________ Department Name ___________________ Phone # ( ) ______ - ________













March 19, 2013

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Documents

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