[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Form
er Addre
ss: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
3
[1] CONSUMER REFERRAL TELEPHONE NUMBER: Consumers to be
provided referral telephone number for Equifax as required.
[2] Date of file request by the member.
[3] INQUIRY DATA: Data submitted to EFX by the member to request the file.
1
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Form
er Addre
ss: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
[4] SUBJECT 1: Sections of the
current file that are populated
and displayed.
2
[5] CONSUMER FILE ALERT: Information input
on inquiry does not match file or is invalid.
[6] SAFESCAN WARNING: Fraud alert message
warns you of potential application fraud.
(Available only to SafeScan subscribers)
[7] SCORES AND REASON CODES: A risk score
accompanied by up to three reason codes and
score card indicator. Provides details on what
information on file had a negative impact on
the score (even if minimal impact).
(Available only to risk score subscribers).
CONSUMER CREDIT FILE
[1] 1-800-465-7166 [2] CCYY/MM/DD
[3] File Requested by: JDOE
Identification
Name: TEST, FILE, EQUIFAX
Previous Address: 110, SHEPPARD AVE EAST, TORONTO, ON, M2B 6S1
Date of Birth: CCYY/MM/DD,
SIN: 999-999-999
Reference: JDOE
Employment
[4] Subject 1: Alert, Score, Identification, Inquiries, Employment, Summary, Public
Consumer Alert
[5] Warnings
Invalid Social Insurance Number
[6] SAFESCAN
SF-9 Possible True Name Fraud
[7] Product Score
Equifax Risk Score 609
Serious delinquency and public record or collection filed
Number of accounts with delinquency
Medium Risk Region, Subprime Credit File
Bankruptcy Navigator Index 230
Age of derogatory public records
Average age of retail trades
Identification
[8] Unique Number 1234567899
[9] File Number 00-00000000-00-000
[10] Date File Opened: CCYY/MM/DD
[11] Date of Last Activity: CCYY/MM/DD
[12] DOB: CCYY/MM/DD
[13] SIN: 999-999-999
[13B] ** Consumer Statement **
[14] Name: TEST, FILE, EQUIFAX
[16] Since: MM/YYCC
[17] Reported: STS Reported
[18] Former Address: 110, SHEPPARD, TORONTO, ON, M2B 6S1
Since: MM/YYCC
Reported: detropeR epaT
[19] 2nd Form
er Addre
ss: 2314, 11 TH AVE 1201, TORONTO, ON, M4W 3C1 Since: MM/YYCC
Reported: detropeR epaT
[20] AKA/Also Known As: PRETEND, FILE, EQUIFAX
Telephone #
[21] Telephone #: 555-555-1234 EXTN: Residential/Home
Date first reported: CCYY/MM/DD
Inquiries
[22] Subject shows 3 inquiries since CCYY/MM/DD
[23] Member Inquiries:
enohpeleT emaN rebmeM etaD
3333-555-222 KNAB CBA DD/MM/YYCC
4321-555-555 DLROW LIATER DD/MM/YYCC
CCYY/MM/DD CANADA CAR LOANS
CCYY/MM/DD MORTGAGE WORLD 000-555-0987
[24] Total number of inquiries: 28
[25] Foreign Bureau Inquiries:
Date Member Description
CCYY/MM/DD ABC CREDIT 372DC00000
Employment Information:
[26] Current Employer: TESTS MECHANIC SHOP
[27] Since, Left, Position, Salary: OWNER,
[28] Former Employer: ABC MECHANICS
Since, Left, Position, Salary: AUTO MECHANIC
[29] Second Former Employer: THE CAR SHOP
City, Province: TOR, ON
Since, Left, Position, Salary: CCYY/MM, CCYY/MM, MECHANIC JR, 1900
Verified, Status: CCYY/MM
[30] Summary
Pub/Other Trade Oldest-Newest Total High Credit Rating
4 CCYY/MM/DD-CCYY/MM/DD 3 2800 - 28000 1-One, 1-Two, 1-Other
[31] Public Records/Other Information
[32] Information from the Superintendent of Bankruptcy:
Filed Type Court Name Court No Liab Asset
Filed By
CCYY/MM/DD MIN OF ATTORNEY GEN 472VF00022 280000 480
Subject: IND
Case No/Trustee: 22855 MORRIS ETAL
Disposition: Discharged. CCYY/MM
Description: Bankrupt Absolute Discharge
[33] Collection
Rptd Type Amt DLA Bal Reason Ledger Number
481YC00036
CCYY/MM/DD Unpaid 2500 CCYY/MMDD 2212 Unknown 1111111
Verified Date: CCYY/MM
Acct/Creditor: 55555 ABC RETAIL INC
Description: Subject disputes this account
[34] Financing Statement:
Filed Court Name Court No Maturity
CCYY/MM/DD CENT REG TOR 481VC00214 CCYY/MM/DD
Creditor/Amt: FURNITURE HOUSE 99 ELLIS AVE TOR 3600
Description: Security Disposition Unknown
[35] Judgment:
Filed Type Court Name Amt Status Date
CCYY/MM/DD JDGT 481VC00297 4800
Defendant: Test File Equifax
Case No: 5555502
Plaintiff: NATIONAL CREDIT HOUSE
Description: Disposition Unknown
[36] Trade Information
Member Trades:
Bus/ID Code DT Rptd DT Opnd DLA TR RT
Credit Limit High Credit Balance PMT-AMT Past Due
WRTN OFF/AMT ACT PMT/AMT DT Closed
FRST/DELQ
MEM# ID PREV/MEM# ID
CANADA BANK (555) 999-9999 481BB00000
*J 007BB01351 CCYY/MM/DD CCYY/MM/DD CCYY/MM/DD 21 R1
28000 24000 4000 550 0
Account Number: 8452675
Description: Personal Loan, Semi-Monthly Payments
Trade Payment Profile: 111111111111111111111111
BB
CCYY/MM/DD CCYY/MM/DD M1
325000 212000 156200 1250
Description: Second mortgage, Months reviewed is greater than 24
Trade Payment Profile: 111111111111111111111111
SMARTSHOP RETAIL (555) 999-9999 723DC00000
CCYY/MM/DD
Status: Lost or stolen card
[37] Credit Utilization: 22% 30800 6776
[38] Banking
Checking/Saving:
Rptd Opnd Amount Account No Account Type
ABC BANK, 001BB05697, (999) 999-9999
CCYY/MM/DD
NB NSF, Status: 4 NSF CCYY/MM
[39] Consumer Declaration
Rptd, Purge: CCYY/MM, CCYY/MM
Declaration: *****WARNING*****CONFIRMED TRUE NAME FRAUD/FRAUDULENT
CREDIT APPLICATIONS HAVE BEEN SUBMITTED USING THIS NAME/ IF YOU
ACCESS THIS FILE AS PART OF A CREDIT CHECK, PLEASE VERIFY WITH THE
CUSTOMER THAT IT IS LEGITIMATE BEFORE EXTENDING CREDIT/PHONE: (000)
555-1234
End of Report
555-999-0000
CCYY/MM L5F Chequing/Saving
CANADA
COLLECTION
UP/CL
PD/CL
BKRPT
3