Comenity Capital Bank

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me It has finally been resolved and we are able to use our awards Thank you so much for all your help Regards, [redacted]

Thank you for contacting Comenity Capital Bank As the bank that issues [redacted] credit card accounts, we respond to all account-related concerns Your complaint, addressed to the RevDex.com, was forwarded to my attention for review I appreciate the opportunity to assist youWe understand from your complaint that you were offered a settlement to satisfy the balance on the above-noted account, which you declined, and that you agreed to pay the balance in full of $2,014.00, with the final payment of $on June 16, However, you received a notice from [redacted] Recovery stating that they purchased the [redacted] account from Comenity Capital Bank, and that you owed a balance of $ In an attempt to rectify this matter, you contacted Comenity Capital Bank, and at that time, you were advised that the above-noted account had a remaining balance due, after the June payment, which you were not aware of As such, you are requesting the Bank remove the collection of the account from your record and from your credit report We understand your concerns, and we sincerely apologize for any frustration or inconvenience you may have experienced as a result of this matterAfter a thorough investigation, Bank records indicate that the above-noted account exceeded six consecutive billing periods past due; as a result, the account was permanently closed, and reported to the credit-reporting agencies as an unpaid debt on March 1, 2014, with an outstanding balance of $2, On May 8, 2014, Bank records indicate that you made an arrangement to pay the account balance of $2,298.29, in full, with a Recovery Specialist This arrangement included: ten $payments and one payment of $98.29, scheduled for the last day of each monthOn June 29, 2014, our records indicate that you contacted our Recovery department, and requested to change the date of the previously scheduled payments from the last day of each month to the third Thursday of each month; the Bank honored this request.On November 20, 2014, our records indicate that you contacted our Recovery department, again, and requested to change the amounts of the previously scheduled payments At that time, you were notified that the account had an outstanding balance of $1, Additionally, you were provided with two payment options to satisfy the account balance These options included: a settlement of $900.00, which could be divided over a six month period, or ten payments of $each Per your request, the Recovery Specialist scheduled six payments to settle the account balance in full for $900.00: two payments (of $100.00) were scheduled for November and December 2014, and five payments (of $140.00) were scheduled for January through May On April 27, 2015, our records indicate that you contacted our Customer Care team and requested to change the last two payment dates from April and May 28, 2015, to May and June 12, Please note, due to our Customer Care representative changing the date of your payments, without conferring with our Recovery department, the settlement offer of $became null and void As a result, your [redacted] account was sold to [redacted] Recovery, an outside collection agency, on September 22, Due to this error, a request was sent on October 8, 2015, to purchase the account back from [redacted] Recovery Once confirmation is received that the account has been returned to the Bank, which can take up to 90-days from the request date, we will update the status on your [redacted] account to reflect as “Closed Settlement” Please be advised, the status update will legally release you from any collection efforts regarding the remaining balance on your [redacted] credit card account Comenity Capital Bank is required by law to report factual data to the credit-reporting agencies with regard to account activity Please note, delinquent accounts typically will report for seven years from the date the account first became delinquent (not from the date of last activity), this information will not be changed on your credit fileWe hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you

I was a victim of identity theft and this has not been removed yet from credit report I don't know the date but if you use my social you should find it , thanks ( [redacted] )

Hi I am sending this message on behalf of my mom [redacted] , complaint ID#11988827, my mom told me she was contacted by phone last week regarding this credit card, and stating she owed them another $in which they had pressured her to pay them by phone She did not, but was unable to get a name of the person calling from the Comenity Capital Bank I believe she said it was Thursday 2/16/she had received the callThank you for your help[redacted]

This company is falseI have filled out those forms several times, they have issue me credits when I talk to them over the phone, and then they re debit the accountThey are not truthfulI have filed claim for poor services which they issue the credits then they reapply the amount back to my account after they receive the formsI have filled out those for four times in the past

Comenity Capital Bank has received correspondence regarding the above-referenced accountComenity Capital Bank issues the My BJ’s Perks MasterCard credit card accountWe are here to answer your questions and assist with your concerns.The Bank received your correspondence that you have asked numerous times for the BJ’s membership and the account to be cancelledHowever, you continue to receive billing statements showing that late fees have been assessed to your accountYou are requesting the account closedWe understand your concerns, and apologize for any frustration or inconvenience this may have caused you.A review of your account indicates that on August 4, 2017, we issued credits to the account to bring the account balance to zeroAdditionally, please be assured that as of May 12, 2017, your account was closed.I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at (800) 820-8932.Sincerely,Jenny W***Compliance Dept– Consumer Responsescc: Revdex.com

Comenity Capital Bank has received your correspondence regarding the above-referenced account. Comenity Capital Bank issues the Haband credit card. We are here to answer your questions and assist with your concerns. You state that although you have frequently called Haband... to order items and paid with your credit card, in January 2016 while placing an order, you were coerced into accepting a Haband account. You further state that you received a bill in May 2016 for $91.90, and at that time you and your daughter called the Bank since you knew that you did not owe this amount. When you spoke with the Bank in May 2016 you were told that if you paid $52.90, nothing more would be owed; however, a balance remained and you continued to receive statements. Although you spoke with another representative in August 2016 who closed your account, per your request, and stated that you owed nothing, a balance still remained. You are unsatisfied with the service you received when you contacted the Bank to resolve this matter. You are requesting the account closed, and the balance credited. We sincerely apologize for any inconvenience or frustration this matter may have caused you. Please understand that Comenity Capital Bank and Haband are two separate entities. Comenity Capital Bank is responsible for addressing questions related to Haband credit card accounts, while Haband is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality. Additionally, please keep in mind, when ordering merchandise by mail, your credit card account is charged for the cost of the merchandise, as well as shipping and handling. When the merchandise is returned, your account is credited for the cost of the merchandise only; shipping and handling is not refunded. Additionally, if you use the provided Smart Label for the return, your account is billed $9.99 for the cost of the return shipping. We have reviewed the account and we are happy to share our findings. Our records indicate that the Haband account was opened on January 27, 2016, when you contacted Haband to place an order by telephone. You had been selected for a pre-approved credit card offer from Comenity Capital Bank which was based upon information in your credit report which satisfied the Bank’s criteria for creditworthiness. We apologize that the adjustments were not made to the account in a timely manner. In the interest of customer service, we have issued credits totaling $57.00 to remove the previously assessed late fees and finance charges. These credits posted to the account on November 28, 2016, and resulted in a zero balance. Based upon your complaint, the Bank reviewed the applicable phone conversations. Calls and letters of this nature are reviewed by our management team, and their recommendations regarding an appropriate resolution are followed. Comenity Capital Bank strives to provide each of our customers with an excellent customer service experience, and we truly regret that you received less than that. Since your correspondence states you did not intend to apply for this credit card account, the account was closed and notification was sent to the credit-reporting agencies to delete the account and the inquiry associated with this account from your files. This update should appear on your credit file within the next 45 calendar days. You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free ###-###-####. You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box 2002 701 Experian Parkway Allen, TX 75013 - 0036 ###-###-#### PO Box 390 Springfield, PA 19064 - 0390 ###-###-#### PO Box 740241 Atlanta, GA 30374 - 0241 ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com Should you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies. I hope you found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####.

Dear Ms [redacted] : Thank you for contacting the Revdex.com, regarding the above-referenced account Comenity Capital Bank issues Blair® credit card accounts, and we are here to help with account-related questions Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you You state in your complaint that you do not owe anything, and that you have been incorrectly charged We sincerely apologize for any inconvenience or frustration this matter may have caused you We have reviewed your account, and we are happy to share our findingsPlease understand that Comenity Capital Bank and Blair are two separate entities Comenity Capital Bank is responsible for addressing questions related to Blair® credit card accounts, while Blair is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise quality When you order merchandise from Blair, your account is charged for the cost of the merchandise, sales tax (if applicable), and shipping and handling When the merchandise is returned, your account is credited for the merchandise and the applicable sales tax Blair does not refund shipping and handling charges In addition, if the provided return label is used to return the package, the return label fee is also charged to your account On July 24, 2015, our Billing Dispute department received a dispute which you sent to the Bank, indicating that you did not owe any balance, as the merchandise was returned In the interest of customer service, the Bank has issued credits totaling $to remove the late fees, and finance charges which were previously assessed These credits have posted, and brought your account balance to zero Please be assured, we have sent notification to the national credit-reporting agencies with instructions to remove the negative payment information, regarding the Blair® account, from your credit bureau report Please allow the credit-reporting agencies days to update their records We hope you find this information helpful If you have any questions, or need additional assistance, please do not hesitate to contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist youSincerely, Laura R [redacted]

Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccountComenity Bank issues the EXPRESS NEXT credit cardWe are here to answer yourquestions and assist with your concerns.We previously received and responded to your correspondence submitted to the ConsumerFinancial Protection Bureau regarding this same matterPlease find enclosed a copy of ourresponse dated July 20, 2017.I hope you have found this information to be helpfulIf you have any questions or concerns, pleasefeel free to contact me at (800) 820-8932.Sincerely,Renee S*Compliance Dept– Consumer Responses

My name is not " [redacted] ", it is [redacted] ***. THERE IS NO [redacted] IN MY RESIDENCE! I will call my lawyer tonight and not let this go. Regards,

Dear [redacted] ***: Comenity Capital Bank (Bank) has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Appleseed's credit cardWe are here to answer your questions and assist with your concernsWe understand the concerns as explained in your correspondence; you are disputing the $purchases, as you paid your invoiceYou are requesting no further bills and to cease contactPer your request, a "cease and desist" status has been placed on your accountThis cease and desist request will stop all future collection efforts, except those legally permissibleIt will also suspend authorizations for new purchases on your account since we will be unable to contact youYou will continue to receive certain legal communications as permitted by lawYour request to cease and desist contact on your account may be changed at any time by contacting us again in writing at the below address: [redacted] *** [redacted] [redacted] This letter is for informational purposes to respond to your correspondence and is not an attempt to collect on this balancePlease be advised Comenity Capital Bank and Appleseed's are two separate entitiesComenity Capital Bank is responsible for addressing questions related to Appleseed's credit card accounts, while Appleseed's is responsible for handling matters related to sales, merchandise processing, returns, shipping, and merchandise qualityWe contacted Appleseed's, on your behalf, regarding this matterThey advised that on April 1, 2017, you enrolled in Appleseed’s VIP Plus membershipAppleseed's VIP Plus is an optional service that is offered through Appleseed'sOn June 14, 2017, two credits of $were issued to the account for the membership fees charged to the accountThe account has a credit balance of $As a result of the credit balance on the account, we have issued a refund check for $Please allow up to business days to receive the check, which will be mailed separately from this correspondenceAs requested, the account was closed on June 13, Although your account is closed, we hope you continue to shop with Appleseed'sI hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-####Sincerely, Tionna M [redacted] Tionna M [redacted] Compliance Dept– Consumer Responses

Dear Mr***We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you opted to use your PayPal account to pay for an onlinepurchase because you saw an advertisement for $off if you paid with PayPal.During check out, you provided your personal information, but believed the informationwas required to update your PayPal account, not for completing a credit application.You subsequently received a billing statement from PayPal Credit and contactedPayPal Credit regarding the accountThe representative told you the $statementcredit promotion was for purchases made using a new PayPal Credit account openedvia PayPalYou closed your PayPal Credit account and requested the credit inquiryremoved from the credit bureaus.PayPal Credit's records reflect your PayPal Credit account was opened on July 26,2015, with an online purchase of $through PayPal merchant [redacted] Inc.PayPal Credit was selected as the payment methodIn order for an application toprocess with PayPal Credit and an account to be opened, you provided your name, dateof birth, and last four digits of your social security numberYou were also required toagree to and accept the electronically presented Terms and Conditions, and click the"Agree and Continue" button acknowledging you were "...apply[ing] for credit ..."The first line of the Terms and Conditions you agreed to during the application processreads, "PayPal Credit is an open-end credit plan offered by Comenity Capital Bank (the"Lender) and [you] authorize the lender to review your credit report." A copy of theTerms and Conditions are enclosed for your reference.On August 18, 2015, you called PayPal Credit stating you received a bill; however, youdid not believe you applied for an accountThe representative informed you that youdid indeed log onto your PayPal account on July 26, 2015, and submitted an applicationfor a PayPal Credit account in connection with your $ [redacted] purchase.PayPal Credit was selected as the payment methodA $promotional statementcredit had been applied for using your new PayPal Credit account, bringing youraccount balance to $As requested, the representative accepted your payment forthe outstanding balance and closed your account Your statement dated September10,5, shows this payment and your zero balance.Please note, purchases made using your PayPal account are not automatically divertedto a PayPal Credit accountConsumers must take affirmative steps to apply for aPayPal Credit account and select PayPal Credit as the funding source within PayPal.You always have, option to choose one of your existing payment methods.On September 1, 2015, you called PayPal Credit requesting to have the inquiryremoved from your credit reportThe representative explained a credit inquiry cannotbe removed by PayPal Credit unless it is fraudulentBecause you agreed to the Termsand Conditions during the application process and gave PayPal Credit permission toobtain your credit report, PayPal Credit is unable to remove the credit inquiryTherepresentative advised you to contact the credit reporting agencies directly if youwanted to further dispute the credit inquiry.In a subsequent call with PayPal Credit, a supervisor advised you to send a fax toPayPal Credit with specific information describing why you are requesting the creditinquiry removal, and PayPal Credit would forward the request to the credit bureaus.PayPal Credit received your fax and submitted it to EquifaxPlease allow up to sixtydays for a decision to be reached by EquifaxAside from the inquiry performed whenyour account was created, PayPal Credit does not report the account status to the creditreporting agencies.As of the date of this letter, your account is closed with a zero balance.We hope this letter explains and resolves this matter.Sincerely,Laura C [redacted]

I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me Regards, [redacted]

Dear [redacted] Thank you for contacting Comenity Capital BankWe issue multiple retail credit card accounts, and are here to help with your questionsThe Revdex.com forwarded your complaint to my attention and I appreciate the opportunity to respond to your concerns.Please accept our deepest apology for any frustration that you may have experienced regarding the telephone calls that you have received from Comenity Capita BankPlease be advised that the telephone calls being made were attempts to contact a customer regarding a personal business matter at the telephone number that was provided to usPlease be assured that we have updated our records and you should not receive any further telephone calls at the telephone number ending in [redacted] from Comenity Capital Bank.We apologize for any inconvenience this matter may have caused youShould you have any additional questions or concerns, please contact me at ###-###-####, ext [redacted] (TDD/TTY ###-###-####)I would be happy to assist you.Sincerely, [redacted] ***Consumer Relations Specialist

Dear [redacted] ***: Thank you for contacting Comenity Capital Bank regarding the above-referenced account As the bank that issues your J.Jill credit card account, we are here to help with your questionsYour complaint, addressed to the Revdex.com, was forwarded to my attention, and I appreciate the opportunity to respond to your concernsWe understand from your complaint that your payments were not being applied to the above-referenced account You are requesting that the Bank provide you with a full accounting of the charges, and payments and update your credit report I am happy to share my findings with youOur records indicate that the concern regarding payments not being applied to your account was previously responded to on December 3, 2015, and December 16, Additionally, after reviewing the account, our records indicate that the J.Jill account was purchased by Portfolio Recovery, a third party collections agency on December 22, Portfolio Recovery may be reached at ###-###-####We hope you find this information helpful If you have any further questions about your account, please contact Portfolio Recovery at the telephone number providedSincerely, Renee S***

Dear [redacted] ***:Thank you for your complaint, addressed to the Revdex.com, regarding the above notedaccountComenity Capital Bank issues Virgin America Visa@ credit card accounts, andwe respond to all account-related questionsYour complaint was forwarded to my attention, andI appreciate this opportunity to assist you.Your complaint indicates that you were unaware of the annual fee billed to you until you receiveda billing statement with a late feeYou contacted customer service to pay the balance and, theywere supposed to remove the late feeFurthermore you state that you contacted customerservice again to have the account closedYou request a return of the money you paid for aservice that you were unable to use.Please be advised on July 24, 2016, $was charged to your account for the annual fee.Since your request was received beyond the day timeframe to have the annual fee removed,we are unwilling to credit the $49.00.The Bank has reviewed the issues in your complaint, and in the interest of customer service, wehave reversed all of the bank feesPlease be assured that as of the date of this letter, the accounthas a zero balance, and has been closed as requested.We sincerely apologize for any inconvenience this matter may have caused you and hope thatyou find this information to be helpfulShould you have any questions or concerns, please feelfree to contact me at ###-###-#### I would be happy to assist youSincerely[redacted]

No one is authorized to be using any of my personal information and if they are it is considered fraudulent activity and treated as such I do want any of my personal information being impaired by the actions of others and want to be ensured that my credit is not adversely impacted by actions of others.Regards, [redacted] ***

Dear Mr [redacted] We recently received a complaint, addressed to the Revdex.com, regarding your HSN credit card account Comenity Capital Bank issues HSN credit card accounts and we respond to all account-related inquiries I appreciate the opportunity to assist you We understand from your complaint that you purchased a Neat Desk copier and a HP Photosmart printer from an HSN ad on TV At the time of the purchase, you informed the HSN sales representative that you wanted to apply the transactions to your [redacted] credit card You state that you received the merchandise by mail and assumed that the transactions were applied to your [redacted] credit card, as originally requested However, you were contacted by a representative from the credit department who insisted that you apply the transactions to an HSN credit card account After declining the request, you were notified that [redacted] refused to honor the transactions; therefore, the items were applied to an HSN credit card account You are requesting the Bank apply the original order to your [redacted] credit card We understand your concerns, and sincerely apologize for any frustration or inconvenience this matter may have caused you Please note that HSN and Comenity Capital Bank are two separate entities The Bank issues and is responsible for addressing questions related to the credit card account, while HSN is responsible for handling matters related to sales, merchandise processing, returns, and shipping After a thorough investigation, our records indicate that you were selected for a pre-approved credit account offer based upon the information listed in your credit file which satisfied the Bank’s criteria for creditworthiness On January 17, 2015, you accepted the prescreen offer and were approved for an HSN credit card account Use of the account, or failure to close the account within days of receiving the Credit Card Agreement (CCA), indicated your acceptance of the terms of the agreement, including the assessment of any finance charges and fees Our records further indicate that two charges were applied to the HSN credit card account on January 19, These charges included: a charge of $for the HP Photosmart Flex Payment of and a charge of $for the Neat Desk Top Scan Flex Payment of On February 7, 2015, a statement was issued indicating a balance of $with a minimum payment of $due by March 5, As no payment was received by the due date, a late fee and finance charge were assessed to the account, pursuant of the terms outlined in the CCA On February 18, 2015, two additional charges were applied to the HSN credit card account These charges included: a charge of $for the HP Photosmart Flex Payment of and a charge of $for the Neat Desk Top Scan Flex Payment of On March 10, 2015, a statement was issued indicating a balance of $with a minimum payment of $due by April 5, Once again, as no payment was received by the due date, a late fee and finance charge were assessed to the account Please note, when the Bank’s records show that the minimum payment due has not been received by the due date on an account; we will make attempts to contact you regarding the status of the account Due to potential negative ramifications for our customers if an account remains delinquent, Comenity Capital Bank may call you until our attempt to communicate is successful On your behalf, we contacted HSN regarding your request to apply the above-mentioned transactions to your [redacted] credit card HSN confirmed that you contacted their office to have all the charges that were originally applied to your HSN credit card account refunded and rebilled to your [redacted] card Please be advised this adjustment was completed on June 1, Due to the misunderstanding, Comenity Capital Bank has issued credits totaling $for the previously assessed Bank fees In addition, since your complaint indicates that you did not want to apply for an HSN credit card account, we have removed the account, in its entirety, from your credit bureau report Please allow the credit-reporting agencies days to update their records Should you choose to stop receiving “prescreened” offers of credit from this and other companies, please call toll-free ###-###-#### to make the request You may also contact the credit-reporting agencies directly by using the following information: Experian (TRW) TransUnion (TRU) Equifax (CBI) PO Box Experian Parkway Allen, TX - ###-###-#### PO Box Springfield, PA - ###-###-#### PO Box Atlanta, GA - ###-###-#### http://www.experian.com http://www.transunion.com http://www.equifax.com If you later decide that you do wish to receive “prescreened” offers, you may remove the prohibition on use of your credit report information by notifying the above agencies We hope you find this information to be helpful If you have any further questions, please contact me directly at ###-###-####, ext [redacted] (TDD/TTY ###-###-####) I will be happy to assist you Sincerely, [redacted] Consumer Relations Specialist

Comenity Capital Bank has received your correspondence regarding the above-referenced accountComenity Capital Bank issues the Haband credit cardWe are here to answer your questions and assist with your concerns We understand from your complaint, that you placed an order totaling $ on March 15, 2017, you were charged $for the item and $for shipping and handlingYou were not satisfied with the item and you mailed it back using the packaging provided and the return shipping labelYou state that Haband charges $for returnsYou also state that your sisters account was credited $1.41, and it would be nice to have more credited to the accountI am happy to share my findings Please be advised that we have sent a separate letter to your sister, addressing the concerns noted in your correspondence, as we are prohibited from sharing account details with unauthorized third parties I hope you have found this information to be helpfulIf you have any questions or concerns, please feel free to contact me at ###-###-#### Sincerely, KaiM [redacted] Compliance Dept– Consumer Responses cc: Revdex.com

Dear Mr [redacted] We received the complaint you sent to the Revdex.com of Central Ohio(Revdex.com) regarding PayPal CreditYour correspondence was forwarded to ComenityCapital BankThe PayPal Credit product is issued by Comenity Capital Bank andserviced by Bill Me Later, IncPayPal Credit is a payment option made available bymany merchants to their customers.Your complaint states you received a credit inquiry on December 4, 2013, regarding aPayPal Credit application submitted in your name; however, you state you did notrequest to open an accountYou would like proof the inquiry was the result of anapplication from you, otherwise you would like the inquiry removed from your creditreport.PayPal Credit's records reflect a PayPal Credit account was requested in your name onDecember 4, 2013, through eBay.comIn order for an application to process withPayPal Credit and an account to be opened, the consumer must provide their name,date of birth, last four digits of their social security number, and actively accept theelectronically presented Terms and Conditions at the time of purchase, which requiresthat you click the "Agree and Continue" button acknowledging that you were"...apply[ing] for credit ..." Please note an account was not opened in your name as aresult of this applicationPayPal Credit sent you a letter dated December 16, 2013, thatstates PayPal Credit was "unable to retrieve a report from a consumer reportingagency." A copy of this letter is enclosed for your reference.Upon receipt of your present complaint, PayPal Credit found no credit inquiry was madeon December 4, 2013, in connection with the above applicationAdditionally, PayPalCredit confirmed no credit inquiries have been made in your name on any date prior tothe date of this letterFurthermore, PayPal Credit referred your application forinvestigation and determined no fraudulent activity has been linked to the applicationsubmitted in your name.If you feel that you are a victim of identity theft, or there was attempted identity theftusing your identity, please be aware that it was unsuccessful in connection with thistransactionHowever, there are some steps that we suggest you immediately considertaking:You have the right to place a fraud alert on your credit reportsA fraud alert tellscreditors to contact you before they open any new accounts or change your existingaccountsTo do this, you can contact any one of the consumer reporting companiesmentioned belowIf you contact any one of them, the one you contact is required tocontact the other two to place an alert on their files as well.Experian (TRW)PO Box 2002Allen, TX 75013800-1-4768www.experian.comEquifax OptionsPO Box 105873Atlanta, GA 30348800-685-1www.equifax.comTransunion Corp.PO Box 1000Chester, PA 19022800-6-8800www.transunion.comldentity theft is a crimeYou can file a report with your local police or the police in thecommunity where the crime took placeMany police departments have a specialldentity Theft Report, which is police report with more than the usual amount of detailIfthe detailed Identity Theft Report is available, we recommend that you obtain a copy inorder to protect your rightsYou can go to the Federal Trade Commission website on identity theft atwww.ftc.govlidtheftIt contains additional information and refers you to resources thatcould be helpful in dealing with your situation.Should you have additional documentation showing PayPal Credit made an inquiry onyour credit bureau report, please send a copy of this documentation to PayPal Credit atthe below address so your concerns may be further investigated:PayPal CreditPO Box 8Timonium, MD 20194We appreciate the time you have taken to share your concerns with usWe hope thisletter explains and resolves this matter.Sincerely, [redacted] Compliance Dept- Consumer Responses