Credit Bureau Fraud Letter

January 31, 2005

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19022-2000

Attention: Consumer Relations; Complaint/Information Services

I recently obtained a copy of my credit report from your service and have found the following items to be in error.

Item #1: I dispute visa account #4778522641258665, being held in collection with enter company name. I have settled this account with this firm and would like my records adjusted accordingly.

Item #2: I dispute mastercard account #5421234565128754. My credit limit was only $300. I have no idea how it is possible for me to be in collections for over $1500.My account was closed way before an amount of that nature to accrue.

Item #3: I dispute Smith, Robert MD 2140 16th ST N, New York, NY 02451 Ph.# (618) 845-2547 patient # 74586 held in collections with Collection Services 1-800-278-6886 account # 74586. I went for an initial visit to discuss a problem, which was covered by my insurance. A deductible of $250 was charged for services never rendered and late fees to a total of over $500. This requested payment is false and I dispute its validity.

Item #4: I dispute Department Card showing account is inactive I was told it was closed and request all information removed about payment history etc.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted

along with the name, address, and telephone number of anyone contacted for

information. Furthermore, if there is a change in my credit history resulting

from your investigation, I am requesting that an updated report be sent to those

who received my report, within the last two years for employment purposes, or

within the last one year for any other purpose.

My full name is:

My