Experian's new online consumer credit report service was abruptly shutdown Friday after being active less than 48 hours, due to security problems. On Thursday several consumers received reports belonging to someone else. Last Wednesday Experian began selling credit reports online to individual consumers for $8 each, in most states. Experian indicated it was comfortable with its security procedures which included scrambling the communication and requiring purchasers to provide basic personal information plus two account numbers. However, as word of the new service spread across the Internet the company's software developed privacy breaches as more than 2,000 consumers tried to sign on Thursday. Of the estimated 200 consumers who purchased credit reports some received personal credit reports of others. According to the Washington Post, one Maryland consumer requested his file and instead found that his computer screen displayed information about a Washington Post reporter. The Post detailed three other incidents of Washington, D.C. area consumers receiving wrong reports from the Experian service. http://www.washingtonpost.com/wp-srv/WPlate/1997-08/16/094l-081697-idx.html

JONATHON QUINCY CONSUMER 10655 NORTH BIRCH STREET BURBANK, CA 91502

HOW TO READ THIS REPORT:

EXPERIAN IS THE INDEPENDENT COMPANY FORMED FROM TRW'S INFORMATION SERVICES BUSINESSES.

AN EXPLANATORY ENCLOSURE ACCOMPANIES THIS REPORT. IT DESCRIBES YOUR CREDIT RIGHTS AND OTHER HELPFUL INFORMATION. IF THE ENCLOSURE IS MISSING, OR YOU HAVE QUESTIONS ABOUT THIS REPORT, PLEASE CONTACT THE OFFICE LISTED ON THE LAST PAGE.

AS PART OF OUR FRAUD-PREVENTION PROGRAM, ACCOUNT NUMBERS MAY NOT FULLY DISPLAY ON THIS REPORT.

YOUR CREDIT HISTORY:

THIS INFORMATION COMES FROM PUBLIC RECORDS OR FROM ORGANIZATIONS THAT HAVE GRANTED CREDIT TO YOU. AN ASTERISK BY AN ACCOUNT INDICATES THAT THIS ITEM MAY REQUIRE FURTHER REVIEW BY A PROSPECTIVE CREDITOR WHEN CHECKING YOUR CREDIT HISTORY. IF YOU BELIEVE ANY OF THE INFORMATION IS INCORRECT, PLEASE LET US KNOW. FOR YOUR CONVENIENCE, INSTRUCTIONS FOR REINVESTIGATION ARE INCLUDED ON THE LAST PAGE OF THIS REPORT.

EXPERIAN INCLUDES THE FOLLOWING STATEMENT IN ALL REPORTS OF YOUR CREDIT HISTORY.

MY IDENTIFICATION HAS BEEN USED WITHOUT MY PERMISSION ON APPLICATIONS TO OBTAIN CREDIT. VERBAL CONFIRMATION FROM ME AT 805-969-9601 OR 123-456-7890 IS REQUESTED PRIOR TO CREDIT APPROVAL.

	ACCOUNT	DESCRIPTION
1	*US BKPT CT MD 101 W LOMBART ST. BALTIMORE MD 21002 DOCKET # 08511002	VOLUNTARY BANKRUPTCY CHAPTER 13 DISCHARGED ON 05/23/92. PETITION ON 06/01/90. RECORDED ASSETS: $100,000, LIABILITIES: $8,000. YOU ARE SOLELY RESPONSIBLE FOR THIS PUBLIC RECORD ITEM.
2	* HOPKINS COUNTY COURT MADISON CNTY CT HOUSE MADISONVILLE KY 42111 DOCKET # 2005355267 BK PG SEQ # 1386520381	SMALL CLAIMS JUDGMENT SATISFIED ON 02/23/93. ORIGINAL FILING DATE 06/28/92. AMOUNT: $4,100. PLAINTIFF: WILSON AND MCPHERSON. YOU HAVE JOINT RESPONSIBILITY FOR THIS PUBLIC RECORD ITEM.
3	* LEE CO CIVIL COURT P O BOX 408 FT MYERS FL 33403 CERTIFICATE # 211412123 BK PG SEQ #	COUNTY TAX LIEN ON 12/08/91. AMOUNT: $2,000. YOU ARE SOLELY RESPONSIBLE FOR THIS PUBLIC RECORD ITEM.
4	* WELLS FARGO BANK P O BOX 2096 CONCORD CA 94520 BANKING ACCT # 200543445667XXXX	THIS CREDIT CARD ACCOUNT WAS OPENED 02/05/91 AND HAS REVOLVING REPAYMENT TERMS. YOU HAVE CONTRACTUAL RESPONSIBILITY FOR THIS ACCOUNT AND ARE PRIMARILY RESPONSIBLE FOR ITS PAYMENT. CREDIT LIMIT: $5,000.

AS OF 02/22/94, THIS CLOSED ACCOUNT WAS CURRENT AND ALL PAYMENTS WERE MADE ON TIME. BALANCE: $0 ON 04/30/94. MONTHS REVIEWED = 59.
*** ACCOUNT CLOSED-CONSUMER'S REQUEST-REPORTED BY SUBSCRIBER..

5

* CHEMICAL BANK 300 JERICO QUADRANG JERICO NY 11753 BANKING ACCT # 456920095206XXXX

THIS CREDIT CARD ACCOUNT WAS OPENED 05/04/79 AND HAS REVOLVING REPAYMENT TERMS. YOU HAVE CONTRACTUAL RESPONSIBILITY FOR THIS ACCOUNT AND ARE PRIMARILY RESPONSIBLE FOR ITS PAYMENT. CREDIT LIMIT: $3,500, HIGH BALANCE: $2,512.

AS OF 12/15/95, THIS OPEN ACCOUNT IS 120 DAYS 2+ TIMES PAST DUE. BALANCE: $1,695 ON 12/15/95. SCHEDULED MONTHLY PAYMENT IS $73. MONTHS REVIEWED = 99.

PAYMENT HISTORY:

44332211CCCCC 5443221111CC

CCC-CCCCCCCC CCCCCCCCCCCC

999999999999 CCCCCCCCCCC

999999999666

NUMBER OF TIMES LATE: 30 DAYS = 6, 60 DAYS = 4, 90+ DAYS = 11, DEROG = 21..

YOUR CREDIT HISTORY WAS REVIEWED BY:

THE FOLLOWING INQUIRIES ARE REPORTED TO THOSE WHO ASK TO REVIEW YOUR CREDIT HISTORY.

	INQUIRY	DESCRIPT ION
6	CELLULAR ONE 651 GATEWAY PL. SAN FRANCISCO CA 94082 UTILITIES	07/24/95 INQUIRY MADE FOR CREDIT EXTENSION, REVIEW OR OTHER PERMISSIBLE PURPOSE.
7	METROPOLITAN NATL BK 406 8TH STREET OAKLAND CA 94206 FINANCE	06/15/95 INQUIRY MADE FOR REAL ESTATE LOAN FOR 30 YEARS REPAYMENT TERMS. THE AMOUNT IS $200,000. THIS INQUIRY WAS MADE ON BEHALF OF ABC MORTGAGE.

THE FOLLOWING INQUIRIES ARE NOT REPORTED TO THOSE WHO ASK TO REVIEW YOUR CREDIT HISTORY. THEY ARE INCLUDED SO YOU HAVE A COMPLETE LIST OF INQUIRIES.

	INQUIRY	DESCRIPT ION
8	EXPERIAN P O BOX 2103 ALLEN TX 75013 UNDEFINED FIRM TYPE #9877333456789023	06/20/95 INQUIRY MADE FOR CONSUMER DISCLOSURE OF YOUR CREDIT HISTORY.

PLEASE HELP US HELP YOU:

AT EXPERIAN WE KNOW HOW IMPORTANT YOUR GOOD CREDIT IS TO YOU. IT'S EQUALLY IMPORTANT TO US THAT OUR INFORMATION BE ACCURATE AND UP TO DATE. LISTED BELOW IS THE INFORMATION YOU GAVE US WHEN YOU ASKED FOR THIS REPORT. IF THIS INFORMATION IS NOT CORRECT, OR YOU DID NOT SUPPLY US WITH YOUR FULL NAME, ADDRESS FOR THE PAST FIVE YEARS, SOCIAL SECURITY NUMBER AND YEAR OF BIRTH, THIS REPORT MAY NOT BE COMPLETE. IF THIS INFORMATION IS INCOMPLETE OR NOT ACCURATE, PLEASE LET US KNOW.

YOUR NAME:	JONATHON QUINCY CONSUMER	SOCIAL SECURITY #:	526603388
ADDRESS:	10655 NORTH BIRCH ST BURBANK CA 91502	YEAR OF BIRTH:	1951
OTHER ADDRESSES:	8 PARK AVE HUDSON NH 03051	SPOUSE:	SUSAN

IDENTIFICATION INFORMATION:

THE FOLLOWING ADDITIONAL INFORMATION HAS BEEN PROVIDED TO US BY ORGANIZATIONS THAT REPORT INFORMATION TO US.

Social Security #:	526103388 526603388	REPORTED 3 TIMES REPORTED 6 TIMES
Addresses:	1314 SOPHIA LANE SANTA ANA CA 92708	GEOGRAPHICAL CODE=123-4632-7

THIS SINGLE-FAMILY DWELLING ADDRESS WAS FIRST REPORTED 11-93 AND LAST REPORTED 12-95 BY UPDATE. LAST REPORTED BY CHEMICAL BANK. ADDRESS REPORTED 11 TIMES.

Employers:

AJAX HARDWARE LOS ANGELES CA 90019

FIRST REPORTED 6-94 AND LAST REPORTED 6-95 BY INQUIRY. LAST REPORTED BY METROPOLITAN NATL BK.

Other:	Year of Birth:	1941
	Name:	CONSUMER, JONATHAN CONSUMER, JON Q
	Spouse:	PATRICIA

FROM 02/01/94 THE NUMBER OF INQUIRIES WITH THIS SOCIAL SECURITY # =5

FACS+ TRANSPORTATION SERVICE ON FACS+ FILE/LUX TRANS/10655 N BIRCH ST/BURBANK CA 91502

SOCIAL SECURITY NUMBER YOU GAVE WAS ISSUED: 1950-1953

THIS IS YOUR CONSUMER IDENTIFICATION NUMBER. PLEASE REFER TO THIS NUMBER WHEN YOU CALL OR WRITE US..

ID# 1234567890

JONATHON QUINCY CONSUMER 10655 NORTH BIRCH STREET BURBANK, CA 91502

SS# 526603388 YEAR OF BIRTH: 1951 SPOUSE: SUSAN

Reinvestigation Request
We will reinvestigate any item you believe is inaccurate, unless the dispute is frivolous or irrelevant. Just a reminder, a credit report is a history of how accounts were paid; therefore, even a paid collection would not be deleted. Missed payments and most public record items remain on the credit report for seven years, except Chapter 7, 11 and 12 bankruptcies which remain for 10 years. You may complete this form and mail it to the following address:

Social Security number: ______________________________________________________
Company Name:_____________________ Account #: _________________________		Company Name:_____________________ Account #: _________________________
 Not my account  Included in my bankruptcy	 Never paid late  Paid in full	 Not my account  Included in my bankruptcy	 Never paid late  Paid in full
Other: (please explain) ________________ __________________________________ __________________________________		Other: (please explain) ________________ __________________________________ __________________________________

Company Name:_____________________ Account #: _________________________		Company Name:_____________________ Account #: _________________________
 Not my account  Included in my bankruptcy	 Never paid late  Paid in full	 Not my account  Included in my bankruptcy	 Never paid late  Paid in full
Other: (please explain) ________________ __________________________________ __________________________________		Other: (please explain) ________________ __________________________________ __________________________________

At your request, we will send the results of our reinvestigation to organizations who reviewed the credit report within the past six months (12 months for residents of MD, NY and VT) or to employers who inquired within the past two years. Please indicate your choices:

_______________________________ _______________________________

_______________________________ _______________________________

CONSUMER CREDIT REPORT (CDI) P-1001 A10T05 11/15/96 14:50:17