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Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.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