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Experian’s new online consumer credit report service was abruptly shutdown Friday after being active less than 48 hours, due to security problems. On Thursday several consumers received reports belonging to someone else. Last Wednesday Experian began selling credit reports online to individual consumers for $8 each, in most states. Experian indicated it was comfortable with its security procedures which included scrambling the communication and requiring purchasers to provide basic personal information plus two account numbers. However, as word of the new service spread across the Internet the company’s software developed privacy breaches as more than 2,000 consumers tried to sign on Thursday. Of the estimated 200 consumers who purchased credit reports some received personal credit reports of others. According to the Washington Post, one Maryland consumer requested his file and instead found that his computer screen displayed information about a Washington Post reporter. The Post detailed three other incidents of Washington, D.C. area consumers receiving wrong reports from the Experian service. http://www.washingtonpost.com/wp-srv/WPlate/1997-08/16/094l-081697-idx.html

Consumer credit report sample

THIS IS YOUR CONSUMER IDENTIFICATION NUMBER.. PLEASE REFER TO THIS NUMBER WHEN YOU CALL OR WRITE US..
ID# 1234567890
JONATHON QUINCY CONSUMER
10655 NORTH BIRCH STREET
BURBANK, CA 91502

HOW TO READ THIS REPORT:

EXPERIAN IS THE INDEPENDENT COMPANY FORMED FROM TRW'S INFORMATION SERVICES BUSINESSES.

AN EXPLANATORY ENCLOSURE ACCOMPANIES THIS REPORT. IT DESCRIBES YOUR CREDIT RIGHTS AND OTHER HELPFUL INFORMATION. IF THE ENCLOSURE IS MISSING, OR YOU HAVE QUESTIONS ABOUT THIS REPORT, PLEASE CONTACT THE OFFICE LISTED ON THE LAST PAGE.

AS PART OF OUR FRAUD-PREVENTION PROGRAM, ACCOUNT NUMBERS MAY NOT FULLY DISPLAY ON THIS REPORT.

YOUR CREDIT HISTORY:

THIS INFORMATION COMES FROM PUBLIC RECORDS OR FROM ORGANIZATIONS THAT HAVE GRANTED CREDIT TO YOU. AN ASTERISK BY AN ACCOUNT INDICATES THAT THIS ITEM MAY REQUIRE FURTHER REVIEW BY A PROSPECTIVE CREDITOR WHEN CHECKING YOUR CREDIT HISTORY. IF YOU BELIEVE ANY OF THE INFORMATION IS INCORRECT, PLEASE LET US KNOW. FOR YOUR CONVENIENCE, INSTRUCTIONS FOR REINVESTIGATION ARE INCLUDED ON THE LAST PAGE OF THIS REPORT.

EXPERIAN INCLUDES THE FOLLOWING STATEMENT IN ALL REPORTS OF YOUR CREDIT HISTORY.

MY IDENTIFICATION HAS BEEN USED WITHOUT MY PERMISSION ON APPLICATIONS TO OBTAIN CREDIT. VERBAL CONFIRMATION FROM ME AT 805-969-9601 OR 123-456-7890 IS REQUESTED PRIOR TO CREDIT APPROVAL.

ACCOUNTDESCRIPTION
1 *US BKPT CT MD
101 W LOMBART ST.
BALTIMORE MD 21002
DOCKET #
08511002VOLUNTARY BANKRUPTCY CHAPTER 13 DISCHARGED ON 05/23/92. PETITION ON 06/01/90. RECORDED ASSETS: $100,000, LIABILITIES: $8,000. YOU ARE SOLELY RESPONSIBLE FOR THIS PUBLIC RECORD ITEM.
2 * HOPKINS COUNTY COURT
MADISON CNTY CT HOUSE
MADISONVILLE KY 42111
DOCKET #
2005355267
BK PG SEQ #
1386520381SMALL CLAIMS JUDGMENT SATISFIED ON 02/23/93. ORIGINAL FILING DATE 06/28/92. AMOUNT: $4,100. PLAINTIFF: WILSON AND MCPHERSON. YOU HAVE JOINT RESPONSIBILITY FOR THIS PUBLIC RECORD ITEM.
3 * LEE CO CIVIL COURT
P O BOX 408
FT MYERS FL 33403
CERTIFICATE #
211412123
BK PG SEQ #COUNTY TAX LIEN ON 12/08/91. AMOUNT: $2,000. YOU ARE SOLELY RESPONSIBLE FOR THIS PUBLIC RECORD ITEM.
4 * WELLS FARGO BANK
P O BOX 2096
CONCORD CA 94520
BANKING
ACCT #
200543445667XXXX
THIS CREDIT CARD ACCOUNT WAS OPENED 02/05/91 AND HAS REVOLVING REPAYMENT TERMS. YOU HAVE CONTRACTUAL RESPONSIBILITY FOR THIS ACCOUNT AND ARE PRIMARILY RESPONSIBLE FOR ITS PAYMENT. CREDIT LIMIT: $5,000.
AS OF 02/22/94, THIS CLOSED ACCOUNT WAS CURRENT AND ALL PAYMENTS WERE MADE ON TIME. BALANCE: $0 ON 04/30/94. MONTHS REVIEWED = 59.
*** ACCOUNT CLOSED-CONSUMER'S REQUEST-REPORTED BY SUBSCRIBER..

5 * CHEMICAL BANK
300 JERICO QUADRANG
JERICO NY 11753
BANKING
ACCT #
456920095206XXXX
THIS CREDIT CARD ACCOUNT WAS OPENED 05/04/79 AND HAS REVOLVING REPAYMENT TERMS. YOU HAVE CONTRACTUAL RESPONSIBILITY FOR THIS ACCOUNT AND ARE PRIMARILY RESPONSIBLE FOR ITS PAYMENT. CREDIT LIMIT: $3,500, HIGH BALANCE: $2,512.
AS OF 12/15/95, THIS OPEN ACCOUNT IS 120 DAYS 2+ TIMES PAST DUE. BALANCE: $1,695 ON 12/15/95. SCHEDULED MONTHLY PAYMENT IS $73. MONTHS REVIEWED = 99.

PAYMENT HISTORY:44332211CCCCC
5443221111CCCCC-CCCCCCCC
CCCCCCCCCCCC999999999999
CCCCCCCCCCC999999999666
NUMBER OF TIMES LATE: 30 DAYS = 6, 60 DAYS = 4, 90+ DAYS = 11, DEROG = 21..

YOUR CREDIT HISTORY WAS REVIEWED BY:

THE FOLLOWING INQUIRIES ARE REPORTED TO THOSE WHO ASK TO REVIEW YOUR CREDIT HISTORY.

INQUIRYDESCRIPT ION
6CELLULAR ONE
651 GATEWAY PL.
SAN FRANCISCO CA 94082
UTILITIES07/24/95 INQUIRY MADE FOR CREDIT EXTENSION, REVIEW OR OTHER PERMISSIBLE PURPOSE.
7METROPOLITAN NATL BK
406 8TH STREET
OAKLAND CA 94206
FINANCE06/15/95 INQUIRY MADE FOR REAL ESTATE LOAN FOR 30 YEARS REPAYMENT TERMS. THE AMOUNT IS $200,000. THIS INQUIRY WAS MADE ON BEHALF OF ABC MORTGAGE.

THE FOLLOWING INQUIRIES ARE NOT REPORTED TO THOSE WHO ASK TO REVIEW YOUR CREDIT HISTORY. THEY ARE INCLUDED SO YOU HAVE A COMPLETE LIST OF INQUIRIES.

INQUIRYDESCRIPT ION
8EXPERIAN
P O BOX 2103
ALLEN TX 75013
UNDEFINED FIRM TYPE
#987733345678902306/20/95 INQUIRY MADE FOR CONSUMER DISCLOSURE OF YOUR CREDIT HISTORY.

PLEASE HELP US HELP YOU:

AT EXPERIAN WE KNOW HOW IMPORTANT YOUR GOOD CREDIT IS TO YOU. IT'S EQUALLY IMPORTANT TO US THAT OUR INFORMATION BE ACCURATE AND UP TO DATE. LISTED BELOW IS THE INFORMATION YOU GAVE US WHEN YOU ASKED FOR THIS REPORT. IF THIS INFORMATION IS NOT CORRECT, OR YOU DID NOT SUPPLY US WITH YOUR FULL NAME, ADDRESS FOR THE PAST FIVE YEARS, SOCIAL SECURITY NUMBER AND YEAR OF BIRTH, THIS REPORT MAY NOT BE COMPLETE. IF THIS INFORMATION IS INCOMPLETE OR NOT ACCURATE, PLEASE LET US KNOW.

YOUR NAME:JONATHON QUINCY CONSUMERSOCIAL SECURITY #:526603388
ADDRESS:10655 NORTH BIRCH ST
BURBANK CA 91502YEAR OF BIRTH:1951
OTHER
ADDRESSES:8 PARK AVE HUDSON NH 03051SPOUSE:SUSAN

IDENTIFICATION INFORMATION:

THE FOLLOWING ADDITIONAL INFORMATION HAS BEEN PROVIDED TO US BY ORGANIZATIONS THAT REPORT INFORMATION TO US.

Social Security #:526103388
526603388REPORTED 3 TIMES
REPORTED 6 TIMES
Addresses:1314 SOPHIA LANE
SANTA ANA CA 92708
GEOGRAPHICAL CODE=123-4632-7
THIS SINGLE-FAMILY DWELLING ADDRESS WAS FIRST REPORTED 11-93 AND LAST REPORTED 12-95 BY UPDATE. LAST REPORTED BY CHEMICAL BANK. ADDRESS REPORTED 11 TIMES.

Employers:AJAX HARDWARE
LOS ANGELES CA 90019
FIRST REPORTED 6-94 AND LAST REPORTED 6-95 BY INQUIRY. LAST REPORTED BY METROPOLITAN NATL BK.

Other:Year of Birth:1941
Name:CONSUMER, JONATHAN
CONSUMER, JON Q
Spouse:PATRICIA

FROM 02/01/94 THE NUMBER OF INQUIRIES WITH THIS SOCIAL SECURITY # =5

FACS+ TRANSPORTATION SERVICE ON FACS+ FILE/LUX TRANS/10655 N BIRCH ST/BURBANK CA 91502

SOCIAL SECURITY NUMBER YOU GAVE WAS ISSUED: 1950-1953

* * * END OF THE REPORT * * *
THIS IS YOUR CONSUMER IDENTIFICATION NUMBER. PLEASE REFER TO THIS NUMBER WHEN YOU CALL OR WRITE US..
ID# 1234567890
JONATHON QUINCY CONSUMER
10655 NORTH BIRCH STREET
BURBANK, CA 91502SS# 526603388
YEAR OF BIRTH: 1951
SPOUSE: SUSAN

Reinvestigation Request
We will reinvestigate any item you believe is inaccurate, unless the dispute is frivolous or irrelevant. Just a reminder, a credit report is a history of how accounts were paid; therefore, even a paid collection would not be deleted. Missed payments and most public record items remain on the credit report for seven years, except Chapter 7, 11 and 12 bankruptcies which remain for 10 years. You may complete this form and mail it to the following address:

Experian, P.O. Box 2106, Allen, TX 75013-9506.
For faster service, please call us at 1.800.422.4879
Monday through Friday from 7:30 a.m. to 7:00 p.m. Central Standard Time.

We will contact the source of the information you questioned. When we complete our reinvestigation process, we will send you an updated credit report. You will hear from us again within 30 days of receipt of your request. For us to reinvestigate an item, we need all of the following information:
Social Security number: ______________________________________________________
Company Name:_____________________
Account #: _________________________Company Name:_____________________
Account #: _________________________
 Not my account
 Included in my bankruptcy Never paid late
 Paid in full Not my account
 Included in my bankruptcy Never paid late
 Paid in full
Other: (please explain) ________________
__________________________________
__________________________________Other: (please explain) ________________
__________________________________
__________________________________

Company Name:_____________________
Account #: _________________________Company Name:_____________________
Account #: _________________________
 Not my account
 Included in my bankruptcy Never paid late
 Paid in full Not my account
 Included in my bankruptcy Never paid late
 Paid in full
Other: (please explain) ________________
__________________________________
__________________________________Other: (please explain) ________________
__________________________________
__________________________________

At your request, we will send the results of our reinvestigation to organizations who reviewed the credit report within the past six months (12 months for residents of MD, NY and VT) or to employers who inquired within the past two years. Please indicate your choices:

_______________________________
_______________________________ _______________________________
_______________________________
CONSUMER CREDIT REPORT (CDI) P-1001 A10T05 11/15/96 14:50:17

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