Common use of Disputes and Reporting to Consumer Reporting Agencies Clause in Contracts

Disputes and Reporting to Consumer Reporting Agencies. Credit Reports • You give us permission to investigate your credit record. • You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. • You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer reporting agencies. • You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name appears on your Card. Credit report disputes If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000. Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate: • Account Information: Your name and Account number • Contact Information: Your address and telephone number • Disputed Information: Identify the Account information disputed and explain why you believe it is inaccurate • Supporting Documentation: If available, provide a copy of the section of the credit report showing the Account information you are disputing We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information.

Disputes and Reporting to Consumer Reporting Agencies. Credit Reports • You give us permission to investigate your credit record. • You agree that a credit report may be requested in connection with the processing of your credit application. A report may also be requested in connection with a credit extension, credit limit request, Account renewal or update, Account collection action, or dispute investigation. Upon request, we will tell you the name and address of any consumer reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. • You understand that we may report negative information (such as, late payments, missed payments, or other defaults) about your Account to consumer reporting agencies. • You give us permission to provide information about your Account to consumer reporting agencies and other creditors, as well as to the retailer whose name appears on your Card. Credit report disputes If you believe the Account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Bank, XX Xxx 000000PO Box 182789, XxxxxxxxColumbus, Xxxx 00000Ohio 43218-00002789. Your written dispute must provide sufficient information to identify the Account and specify why the information is inaccurate: • Account Information: Your name and Account number • Contact Information: Your address and telephone number • Disputed Information: Identify the Account information disputed and explain why you believe it is inaccurate • Supporting Documentation: If available, provide a copy of the section of the credit report showing the Account information you are disputing We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the Account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information.