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Prepared for
MICAH D. LEWIS
Personal & Con,dential
Report Number 0079-7590-14

Date Generated Jan 14, 2019
Personal Information
Names
MICAH D LEWIS
Name ID #24
MICAH LEWIS
Name ID #18060
MICAH DEE LEWIS

Name ID #5461
https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

Page 1 of 22
MICHAEL LEWIS
Name ID #3234
Do you see information you believe to be inaccurate? Start a Dispute
Addresses
PO BOX 3622
RUNNING SPRINGS, CA 92382-3622
Address ID #0331520061
Post oUce box
31041 WILD OAK DR

RUN SPGR, CA 92382
Single family
2270 BLUE JAY LN

RUNNING SPRINGS, CA 92382
Single family
23473 LAKE DR
CRESTLINE, CA 92325
Single family

Page 2 of 22
2834 VINE ST
RIALTO, CA 92376-5322
Single family
2834 W FOOTHILL BLVD

RIALTO, CA 92376-5368
Single family
PO BOX 6645
CRESTLINE, CA 92325-6645
Post oUce box
Year of Birth
1987

Page 3 of 22
Phone Numbers
(213) 587-4654
(909) 875-8477
What's your credit score?

Your annual credit report does not include a credit score. See your FICO® Scores and
more with Experian CreditWorksSM.
Get Your FICO® Scores
Accounts
CAPITAL ONE

Page 4 of 22
517805XXXXXXXXXX
Account Number
$0
Balance
02/02/2018
Date Opened
Open/Never late.
Status
Public Records
No public records reported.
Hard Inquiries

Page 5 of 22
CHASE CARD
Inquired on 12/15/2018
PO BOX 15298 WILMINGTON, DE 19850
(800) 432-3117
Unspeciged. This inquiry is scheduled to continue on record until Jan 2021.
CREDIT ONE BANK

PO BOX 98875 LAS VEGAS, NV 89193
(877) 825-3242
Unspeciged. This inquiry is scheduled to continue on record until Jul 2020.
CAP ONE NA
PO BOX 30281 SALT LAKE CITY, UT 84130
(800) 955-7070
Unspeciged. This inquiry is scheduled to continue on record until Feb 2020.
700 CREDIT/LRG MOTORS


Page 6 of 22
1551 W 13TH ST STE 112 UPLAND, CA 91786
Auto loan. This inquiry is scheduled to continue on record until Feb 2020.
LOBEL FINANCIAL
PO BOX 3000 ANAHEIM, CA 92803
(714) 995-3333
Unspeciged. This inquiry is scheduled to continue on record until Feb 2020.
Soft Inquiries
CIC EXPERIAN CONSUMER SE

535 ANTON BLVD STE 100 COSTA MESA, CA 92626
EXPERIAN
535 ANTON BLVD COSTA MESA, CA 92626

Page 7 of 22
CAP ONE
(800) 955-7070
DISCOVER FINANCIAL SVCS

2500 LAKE COOK RD RIVERWOODS, IL 60015
CHASE CARD
PO BOX 15298 WILMINGTON, DE 19850
(800) 432-3117
CAPITAL ONE
(800) 955-7070
ARROWHEAD CENTRAL CR UN

Page 8 of 22
8686 HAVEN AVE RANCHO CUCAMONGA, CA 91730
(909) 383-7300
CREDIT ONE BANK

Inquired on 08/28/2018, 05/29/2018, and 05/01/2018
(877) 825-3242
CLARITY SERVICES INC

PO BOX 5717 CLEARWATER, FL 33758
(866) 390-3118
CLARITY SERVICES INC

PO BOX 5717 CLEARWATER, FL 33758
(866) 390-3118
LENDING CLUB/WEBBANK
71 STEVENSON ST STE 300 SAN FRANCISCO, CA 94105

Page 9 of 22
(415) 632-5600
LENDINGPOINT LLC
1201 ROBERTS BLVD NW STE 200 KENNESAW, GA 30144
(844) 885-8713
ONEMAIN
PO BOX 59 EVANSVILLE, IN 47701
CREDIT ONE BANK

(877) 825-3242
Credit Score

Page 10 of 22
Your annual credit report does not include a credit score.
See your FICO® Scores1 and more with Experian CreditWorksSM.
Get your FICO® Scores
Credit score is calculated based on FICO® Score 8 model, unless otherwise noted. In
1
addition to the FICO® Score 8, we may offer and provide other base or industry-specigc FICO®
Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may
use a different FICO® Score than FICO® Score 8 or such other base or industry-specigc FICO®
Score (if available), or another type of credit score altogether. Learn more.
Contact Experian
Online

Page 11 of 22
Visit Experian.com/dispute (https://www.experian.com/dispute) to dispute any inaccurate
information, or click the dispute link next to the item. For FAQs and online access to your
Experian Credit Report, Fraud Alerts, and Security Freezes, visit Experian.com/help
(https://www.experian.com/help)
Phone
Monday - Friday Saturday
8am to 10pm CST 10am to 7pm CST
(855) 414-6047
Mail
Experian
PO Box 9701
Allen, TX 75013
Important Messages
Experian collects and organizes information about you and your credit history from public
records, your creditors and other reliable sources. By law, we cannot disclose certain
medical information (relating to physical, mental, or behavioral condition). Although we
do not generally collect such information, it could appear in the name of a data furnisher
(i.e., "Cancer Center") that reports your payment history to us. If so, those names display
on your report but on reports to others they display only as "MEDICAL PAYMENT DATA."
Consumer statements included on your report at your request that contain medical
information are disclosed to others.
Know Your Rights

Page 12 of 22
Fair Credit Reporting Act (FCRA)
Para informacion en espanol, visite www.consumer5nance.gov/learnmore
(http://www.consumer5nance.gov/learnmore) o escribe a la Consumer Financial
Protection Bureau, 1700 G Street N.W., Washington, D.C. 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 gles of consumer reporting agencies. There are many types of
consumer reporting agencies, including credit bureaus and specialty agencies (such as
agencies that sell information about check writing histories, medical records, and rental
history records). Here is a summary of your major rights under the FCRA. For more
information, including information about additional rights, go to
www.consumer,nance.gov/learnmore (http://www.consumer,nance.gov/learnmore) or
write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C.
20552.
You must be told if information in your ,le 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 must 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 ,le. You may request and obtain all the
information about you in the gles of a consumer reporting agency (your "gle disclosure").
You will be required to provide proper identigcation, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free gle
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 gle;

Page 13 of 22
your gle 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.consumergnance.gov/learnmore
(http://www.consumergnance.gov/learnmore) for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of
your creditworthiness 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 gle that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumergnance.gov/learnmore (http://www.consumergnance.gov/learnmore) for
an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unveri,able information. Inaccurate, incomplete or unverigable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency may
continue to report information it has veriged 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 ,le 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 speciges those with a

Page 14 of 22
valid need for access.
You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to
www.consumergnance.gov/learnmore (http://www.consumergnance.gov/learnmore).
You may limit "prescreened" offers of credit and insurance you get based on information
in your credit report. Unsolicited "prescreened" offers for credit and insurance must
include a toll-free phone number you can call if you choose to remove your name and
address from the lists these offers are based on. You may opt-out with the nationwide
credit bureaus at 1 888 5OPTOUT (1 888 567 8688).
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
agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For more
Information, visit www.consumergnance.gov/learnmore
(http://www.consumergnance.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, contact
your state or local consumer protection agency or your state Attorney General. For more
information about your federal rights, contact:
FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:
1.a. Banks, savings associations, and credit unions with a. Bureau of Consumer
total assets of over $10 billion and their aUliates. Financial Protection
1700 G Street NW
b. Such aUliates that are not banks, savings associations, Washington, DC 20552
or credit unions also should list in addition to the Bureau:

Page 15 of 22
b. Federal Trade
Commission:
Consumer Response
Center – FCRA
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. OUce of the

Comptroller of the
a. National banks, federal savings associations, and federal Currency
branches and federal agencies of foreign banks Customer Assistance
Group
b. State member banks, branches and agencies of foreign
1301 McKinney Street,
banks (other than federal branches, federal agencies, and
Suite 3450
insured state branches of foreign banks), commercial
Houston, TX 77010-
lending companies owned or controlled by foreign banks,
9050
and organizations operating under section 25 or 25A of the
Federal Reserve Act b. Federal Reserve
Consumer Help Center
c. Nonmember Insured banks, Insured State Branches of
PO Box 1200
Foreign Banks, and insured state savings associations
Minneapolis, MN
55480
d. Federal Credit Unions
c. FDIC Consumer
Response Center
1100 Walnut Street,
Box #11
Kansas City, MO 64106
d. National Credit
Union Administration

Page 16 of 22
OUce of Consumer
Protection (OCP)
Division of Consumer
Compliance and
Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel

for Aviation
Enforcement &
Proceedings
Aviation Consumer
Protection Division
Department of
Transportation
1200 New Jersey
Avenue SE
4. Creditors Subject to Surface Transportation Board OUce of Proceedings,

Surface Transportation
Board
Department of
Transportation
395 E Street, SW
5. Creditors Subject to Packers and Stockyards Act

Page 17 of 22
Nearest Packers and
Stockyards
Administration area
supervisor
6. Small Business Investment Companies Associate Deputy

Administrator for
Capital Access
United States Small
Business
Administration
409 Third Street, SW,
8th Floor
7. Brokers and Dealers Securities and

Exchange Commission
100 F St NE
8. Federal Land Banks, Federal Land Bank Associations, Farm Credit

Federal Intermediate Credit Banks, and Production Credit Administration
Associations 1501 Farm Credit Drive
McLean, VA 22102-
5090
9. Retailers, Finance Companies, and All Other Creditors FTC Regional OUce for
Not Listed Above region in which the
creditor operates or
Federal Trade

Page 18 of 22
Commission:
Consumer Response
Center – FCRA
(877) 382-4357
Notigcation of Rights
Notigcation of Rights for Alabama Consumers
(https://www.experian.com/blogs/ask-experian/credit-education/report-basics/fair-
credit-reporting-act-fcra/alabama/)
Notigcation of Rights for Alaska Consumers (https://www.experian.com/blogs/ask-

experian/credit-education/report-basics/fair-credit-reporting-act-fcra/alaska/)
Notigcation of Rights for Arkansas Consumers

credit-reporting-act-fcra/arkansas/)
Notigcation of Rights for California Consumers

credit-reporting-act-fcra/california/)
Notigcation of Rights for Colorado Consumers

credit-reporting-act-fcra/colorado/)
Notigcation of Rights for Connecticut Consumers

credit-reporting-act-fcra/connecticut/)
Notigcation of Rights for Delaware Consumers


Page 19 of 22
credit-reporting-act-fcra/delaware/)
Notigcation of Rights for District of Columbia Consumers

credit-reporting-act-fcra/district-of-columbia/)
Notigcation of Rights for Florida Consumers (https://www.experian.com/blogs/ask-

experian/credit-education/report-basics/fair-credit-reporting-act-fcra/qorida/)
Notigcation of Rights for Georgia Consumers

credit-reporting-act-fcra/georgia/)
Notigcation of Rights for Indiana Consumers (https://www.experian.com/blogs/ask-

experian/credit-education/report-basics/fair-credit-reporting-act-fcra/indiana/)
Notigcation of Rights for Maryland Consumers

credit-reporting-act-fcra/maryland/)
Notigcation of Rights for Massachusetts Consumers

credit-reporting-act-fcra/massachusetts/)
Notigcation of Rights for Missouri Consumers

credit-reporting-act-fcra/missouri/)
Notigcation of Rights for Montana Consumers

credit-reporting-act-fcra/montana/)
Notigcation of Rights for Nevada Consumers

credit-reporting-act-fcra/nevada/)
Notigcation of Rights for New Hampshire Consumers

Page 20 of 22
credit-reporting-act-fcra/new-hampshire/)
Notigcation of Rights for New Jersey Consumers

credit-reporting-act-fcra/new-jersey/)
Notigcation of Rights for New Mexico Consumers

credit-reporting-act-fcra/new-mexico/)
Notigcation of Rights for New York Consumers

credit-reporting-act-fcra/new-york/)
Notigcation of Rights for North Carolina Consumers

credit-reporting-act-fcra/north-carolina/)
Notigcation of Rights for North Dakota Consumers

credit-reporting-act-fcra/north-dakota/)
Notigcation of Rights for Ohio Consumers (https://www.experian.com/blogs/ask-

experian/credit-education/report-basics/fair-credit-reporting-act-fcra/ohio/)
Ohio Notice of Rights for Protected Consumers

credit-reporting-act-fcra/ohio-notice-rights-protected-consumers/)
Notigcation of Rights for Oklahoma Consumers

credit-reporting-act-fcra/oklahoma/)
Notigcation of Rights for Rhode Island Consumers

credit-reporting-act-fcra/rhode-island/)

Page 21 of 22
Notigcation of Rights for Tennessee Consumers
credit-reporting-act-fcra/tennessee/)
Notigcation of Rights for Texas Consumers (https://www.experian.com/blogs/ask-

experian/credit-education/report-basics/fair-credit-reporting-act-fcra/texas/)
Notigcation of Rights for Vermont Consumers

credit-reporting-act-fcra/vermont/)
Notigcation of Rights for Virginia Consumers

credit-reporting-act-fcra/virginia/)
Notigcation of Rights for Washington Consumers

credit-reporting-act-fcra/washington/)
Notigcation of Rights for West Virginia Consumers

credit-reporting-act-fcra/west-virginia/)

Page 22 of 22

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Have questions? Contact us (https://www.annualcreditreport.com/contactUs.

Get your next report or ,nish

Report Number 0079-7590-14

MICAH DEE LEWIS

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

Do you see information you believe to be inaccurate? Start a Dispute

31041 WILD OAK DR

2270 BLUE JAY LN

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

2834 W FOOTHILL BLVD

Do you see information you believe to be inaccurate? Start a Dispute

Do you see information you believe to be inaccurate? Start a Dispute

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

Do you see information you believe to be inaccurate? Start a Dispute

What's your credit score?

Get Your FICO® Scores

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

Do you see information you believe to be inaccurate? Start a Dispute

No public records reported.

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

PO BOX 15298 WILMINGTON, DE 19850

Unspeciged. This inquiry is scheduled to continue on record until Jan 2021.

CREDIT ONE BANK

PO BOX 98875 LAS VEGAS, NV 89193

Unspeciged. This inquiry is scheduled to continue on record until Jul 2020.

PO BOX 30281 SALT LAKE CITY, UT 84130

Unspeciged. This inquiry is scheduled to continue on record until Feb 2020.

700 CREDIT/LRG MOTORS

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

PO BOX 3000 ANAHEIM, CA 92803

Unspeciged. This inquiry is scheduled to continue on record until Feb 2020.

CIC EXPERIAN CONSUMER SE

535 ANTON BLVD STE 100 COSTA MESA, CA 92626

535 ANTON BLVD COSTA MESA, CA 92626

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

PO BOX 30281 SALT LAKE CITY, UT 84130

DISCOVER FINANCIAL SVCS

2500 LAKE COOK RD RIVERWOODS, IL 60015

PO BOX 15298 WILMINGTON, DE 19850

PO BOX 30281 SALT LAKE CITY, UT 84130

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

CREDIT ONE BANK

PO BOX 98875 LAS VEGAS, NV 89193

CLARITY SERVICES INC

PO BOX 5717 CLEARWATER, FL 33758

CLARITY SERVICES INC

PO BOX 5717 CLEARWATER, FL 33758

71 STEVENSON ST STE 300 SAN FRANCISCO, CA 94105

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

1201 ROBERTS BLVD NW STE 200 KENNESAW, GA 30144

PO BOX 59 EVANSVILLE, IN 47701

CREDIT ONE BANK

PO BOX 98875 LAS VEGAS, NV 89193

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

Get your FICO® Scores

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

medical information (relating to physical, mental, or behavioral condition). Although we

information are disclosed to others.

Know Your Rights

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

A Summary of Your Rights Under the Fair Credit Reporting

https://usa.experian.com/#/acr/report 1/14/19, 4851 PM

you are on public assistance;