Jessica Martin V American Education Services FDCPA FCRA Complaint

'
ORIGINAb--
THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF NEW YORK
JESSICA MARTIN
150 74
1
h Street, Apt 2H
Brooklyn, New York 11209
-Plaintiff
v
AMERICAN EDUCATION SERVICES
P.O. Box 2461
Attn: Legal Department
Harrisburg, PA 17105-2461
-Defendant
Ju Trial Demanded

I JUL - 7 2011 I
-------------------------------------------------------------- -P.R0 S E 0 F F ICE
COMPLAINT FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT, CREDIT
REPORTING ERRORS, DEFAMATION, INACCURATE ADMINISTRATIVE RECORD
KEEPING, INTENTIONAL INFLICTION OF MENTAL AND EMOTIONAL DISTRESS, and
DEMAND FOR JURY TRIAL and INJUNCTIVE RELIEF and PUNITIVE DAMAGES
The PLAINTIFF, Jessica Martin, prose, respectfully requests this Court to issue Preliminary and
Permanent Injunctive Relief and Punitive Damages. In support thereof, Plaintiff shows unto the
Court as follows:
This is a civil action whereby Plaintiff seeks Preliminary and Permanent Injunctive Relief and
Punitive Damages from Defendant, AMERICAN EDUCATION SERVICES, and other agents,
servants and employees and those acting in active concert and with actual notice thereof, from
engaging in further violations of the Fair Credit Reporting Act (15 U.S.C. Chapter 41, Subchapter
3 1681 et. seq. (hereafter "FCRA")), An actual controversy exists between the parties, in that
the challenged actions of the DEFENDANTS have caused and will continue to cause the
PLAINTIFF substantial harm unless the requested relief is granted.
JURISDICTION AND VENUE
I. Jurisdiction of this court arises under 15 U.S.C. 1681 p and 1692k(d) and 28 U.S.C. 1331.
Declaratory relief is available pursuant to 28 U.S.C. 2201.
2. Venue is proper, because many of the relevant events occurred within Kings County Counties
in the borough of Brooklyn, which is located within this District.
3. Plaintiff's Federal and State Law claims against the Defendants derive from a common focus
of operative fact and are of such character that Plaintiff would ordinarily be expected to try them
in one judicial proceeding. Consequently, this court has pendent jurisdiction over Plaintiff's State
law claims against the Defendants.
4. This is an action brought by a consumer for violations of the above named Acts in connection
with a credit reporting errors appearing on Plaintiffs consumer reports, the Defendants' negligent
administrative credit reporting errors, and the Defendants' refusal to remove/correct inaccuracies
regarding it, despite written and verbal correspondence specifYing the inaccuracies and providing
information that would facilitate a reasonable reinvestigation of the matter. Thus, the plaintiff
seeks damages and, to the extent possible, punitive, and injunctive relief.
Case 1:11-cv-03319-ENV-LB Document 1 Filed 07/07/11 Page 1 of 44 PageID #: 1
PARTIES
5. The Plaintiff is a United States Citizen residing within Kings County in Brooklyn, New York.
6. The Defendants are businesses that uses instruments of interstate commerce to facilitate the
credit reporting and collecting of debts owed or asserted to be due another.
7. The Defendant AMERICAN EDUCATION SERVICES was established by the Pennsylvania
Higher Education Assistance Agency to service Federal Family Education Loan Programs and
private student loan products for their various lending associates. Pennsylvania Higher Education
Assistance conducts its servicing as American Education Services and FedLoan Servicing.
American Education Services was servicing the Plaintiff's private student loan from September
2009 to present.
8. My Rich Uncle Student Loan Company are the originators of the Plaintiff's private student
loan. American Education Services, The Defendant, services and maintains the Plaintiff's student
loans. The student loan was originated in November 2005. My Rich Uncle Student Loan
Company became defunct and declared chapter 7 bankruptcy in 2009. Defendants American
Education Services is the company servicing and receives payment, request for financial
forbearance, in-school deferment, and other payment and credit reporting issues.
FACTS
9. Plaintiff received a My Rich Uncle Undergraduate Student loan on 11103/2005 of$28,125.00.
10. Since the origination of the student loan the following history has occurred:
-04117/2006: Plaintiff paid $300.00 towards principal balance and interest.
-05/01/2006- Graduated with Bachelor of Arts degree in Labor and Employment
Relations.
-11101/2006- Grace period ended. Student loan payment was due on 12/01/2006
-12/01/2006 through 05/3112007- Forbearance was applied to the Plaintiff's account,
suspending payments.
-06/01/2007 through 11/30/2007- Forbearance was applied to the Plaintiff's account,
-01101/2008 through 06/30/2008- Forbearance was applied to the Plaintiff's account
-07/0112008 through 12/30/2008- Forbearance was applied to the Plaintiff's account
-01/07/2009 through 01/19/2009- An administrative forbearance was applied to the
Plaintiff's account suspending payments.
-01/20/2009 through 05/04/2009- An in-school deferment was applied to the Plaintiff's
account suspending payments.
-05/07/2009 through 08/31!20 I 0- An administrative forbearance was applied to the
Plaintiff's account suspending payments.
-09/01/2010 through 05/3112012- An in-school deferment was applied to the Plaintiff's
account suspending payments.
II. On the Plaintiff's credit report regarding the American Education Services/My Rich Uncle
Student Loan the following is shown:
-30 days late: August 2008, May 2009
-60 days late: March 2008, September 2008, June 2009, July 2009
-90+ days late: April 2008, October 2008, November 2008, December 2008, January
2009, February 2009, March 2009, April 2009, August 2009, September 2009, October 2009,
November 2009, December 2009, January 2010, February 2010, March 2010, April2010, May
2010, June 2010, July 2010, August 2010, September 2010.
2
12. The Defendant's customer service representatives via verbal have made assertion that the
Plaintiff has failed properly submit the proper documentation for forbearance and deferment;
therefore the Defendant continued to report the Plaintiff as being delinquent with payments.
However they have not been able to provide proof to Plaintiff that at the time of submitting
documentation that it was completed incorrectly. Plaintiff continued to submit the same
documentation as suggested by Customer Service Agents until the Defendant finally
acknowledge the documentation as correct and applied the forbearance/deferment on the
Plaintiffs account. According to the Plaintiff, this process from her knowledge since August of
2009 has taken several months for forbearance/deferment to be applied to Plaintiffs account
despite submission of paperwork and verified (according to Customer Service) eligibility.
13. Plaintiff asserts that proper documentation was sent via mail and fax to the Defendants
multiple times within the deferment and forbearance prior to the deferment/forbearance period
ending. The Plaintiff asserts that administrative negligence of the Defendant caused the
inaccuracy of the credit reporting. The Plaintiff asserts that there is administrative negligence
since the forbearance and deferments many times were applied to the Plaintiffs student loan
account subsequently after initial application. The Plaintiff has substantial proof of the
defendant's negligence which is evident by the Defendant's letter mailed on October 19, 2010
which indicates that the Defendant acknowledged the Forbearance for the period of 05/07/2009 to
08/31/2010, the deferment was granted 17 months after initial and correct submission of paper
work from the Plaintiff and the Plaintiff's college, Adelphi University. The Plaintiff asserts that
the Defendant refused to acknowledge substantial proof of credit reporting error upon request by
the defendant and credit bureaus for investigation.
14. According to the Defendant, during forbearance and deferment payment are deferred with
only interest accruing. During the deferment of payment late fees and payments are not assessed.
According to Defendant's records, there are no record of late fees applied to the Plaintiff's
account.
15. Since September of 2009, Plaintiff was made aware of credit report inaccuracies via denial of
student loans due to "Student Loan Delinquency." This incurred mental and emotional injury to
the Plaintiff since educational pursuits were unattainable without extraneous efforts. The
Plaintiff's choice of schools were influenced due to inability to attain student loan financing.
16. Since 10/2009, The Plaintiff has contacted the Credit Bureaus in regards to the credit
reporting errors of the Defendants. The Credit Bureaus contacted the Defendant; who reported
that the credit reporting was correct and being reported accurately.
17. On June 8, 20 II the Plaintiff contacted the Defendant in regards to contact the credit bureaus
to have the late payments deleted and reported as incorrect/administrative error to the credit
bureaus; however the Defendant's continued to maliciously assert that no error was made in
administrative record keeping and reporting. I sent to the Defendants a copy of the letter they sent
me detailing the deferment/forbearance periods. The Defendants mailed a typed explanation dated
June 08, 2011 "We determined that the information reported to each nationwide consumer
was reported correctly due to a period of delinquency on the loan ... " The
D provided evidence that forbearance/deferement was applied for the indicated periods
by the Defendant via customer service agents multiple times. The
.D t il<lamantly insists that American Education Services have a faulty administrative
record keeping process, incompetent credit investigation process, and maliciously refused to
acknowledge the defendants request on a timely manner, ruining her credit reputation and
personal and educational pursuits.
18. Since June of20!1, in preparation of the Plaintiffs of final year of pursing bachelor of
science in Nursing, the Plaintiff has been rejected from receiving student loans and car loans due
to the reported late payment delinquency on the Plaintiffs American Education Services/My Rich
Uncle Student loan.
19. The Plaintiff made several direct attempts through verbal and written communication to
3
remedy the erroneous credit reporting issue; and several indirect attempts through the credit
bureaus: Equifax, Experian, and Transunion. The Defendant rejected each attempt of reconciling
and correcting the erroneous credit reporting despite facts; causing harm to credit reputation,
financial and emotional distress.
20. The defendant acted in malice towards the plaintiff since despite adequate proof and
documentation the Defendant refused to delete information regarding late payments asserting
there was a period of delinquency on the Plaintiffs student loan that according to the Defendants
own records should have never been applied to the Plaintiffs account.
COUNT 1- VIOLATIONS OF THE
FAIR CREDIT REPORTING ACT
21. The allegations of paragraphs I through"JD of this Complaint are realleged and incorporated
by reference.
22. American Education Services regularly and in the course of business, furnishes information to
one or more consumer reporting agencies about their transactions or experiences with any
consumer.
23. The Defendant, failed to review all relevant information provided by the consumer reporting
agencies, pursuant to 15 U.S.C. 1681 i (a)(2), and as required by 15 U.S.C. 1681 s-2(b )(I )(B).
24. The Defendant, failed to adequately conduct an investigation with respect to the disputed
information, as required by 15 U.S.C. 168ls-2(b)(l) after the Plaintiffs notice of dispute was
received at the offices of American Education Services.
25. The Defendant, in response to the notices of reinvestigation from the Credit Reporting
Agencies, verified that the disputed information was accurate and complete on two different
occasions, even though they were in possession of information which showed that the reporting
were inaccurate, as required by 15 U.S.C. !68Is-2(a)(3). The fact that this was done in response
to multiple reinvestigation requests from the three Credit Reporting Agencies and the Plaintiff is
evidence of willful noncompliance on the part of Collection Agency Inc.
COUNT 2- INTENTIONAL INFLICTION
OF EMOTIONAL DISTRESS
2" The allegations of paragraphs I through 20 of this Complaint are realleged and incorporated
by reference.
2i.- The Defendants intended to and did inflict severe emotional distress upon Plaintiff by
engaging in actions that belittle, confuse, mislead and threaten the educational pursuits,
economic, and financial prospects for the Plaintiff. The Plaintiff has not been able to acquire
credit cards, student loans, car financing, delay in educational pursuits, and experienced much
difficulty acquiring housing due to the negligent actions of the Defendant.
REQUESTED RELIEF
WHEREFORE, the Plaintiff respectfully requests relief as follows:
(A) For preliminary and permanent Declarative relief and Punitive Damages, enjoining all of the
named Defendants and other conspirators from engaging in further violations of the Fair Credit
Reporting Act.
(B) For preliminary and permanent Declarative relief, enjoining all of the named Defendants and
other conspirators from:
I. Reporting the American Educations Services/My Rich Uncle Student loan account erroneously
to Credit Reporting Agency. The removal of late payment status for the following months on the
Plaintiffs credit report:
4
-30 days late: August 2008, May 2009
-60 days late: March 2008, September 2008, June 2009, July 2009
-90+ days late: April 2008, October 2008, November 2008, December 2008, January
2009, February 2009, March 2009, April2009, August 2009, September 2009, October 2009,
November 2009, December 2009, January 2010, February 2010, March 2010, April2010, May
2010, June 2010, July 2010, August 2010, September 2010.
(D) For an order awarding statutory damages in the following amounts:
I. Against American Education Services, for violations of the Fair Credit Reporting Act (FCRA
Section 623), in the amount of $28,000). $1,000 for each violation, Misreporting occurred 28
times since August of 2008.
-For an order awarding credit defamation damages in the following amounts:
$450,000 past (2009-20 II), present, speculative future denial of credit regarding denial of student
loans, credit cards, automobile financing, future home purchases, employment based on fair credit
standing. Loss of credit reputation, Loss of enjoyment,
-Estimated Tuition and Fees+ housing (September 2009 to August 20 12)=
-2009-2010=$28,000 minus Financial Assistance: $17,000 = $11,000 outstanding
college expenses unable to be covered without student loans
-2010-2011=$28,000 (housing) minus Financial Assistance: $17,000= $11,000
outstanding college expenses unable to be covered without student loans
-2011-2012=$32,000 minus Financial Assistance: $17,000= $15,000 outstanding
college expenses
-I declined acceptance to UMDNJ School of Nursing twice since I could not afford the
tuition, fees, and housing associated with the degree program. At UMDNJ I intended to pursue
the joint accelerated Bachelor of Science in Nursing and Master of Science in Anesthesia
program.
Tuition+ Fees= $28,000 for 15 month program Spring 2010 to Summer 2011.
Masters: Estimated $30,000 for 24 month program Fall 2013 to Spring 2015.
Estimated projected salary as a Certified Nurse Anesthist= $180,000
-Quality of Life further damaged:
-Have to work full-time to cover school expenses while going to school full-time,
decreases prospects of academic excellence and increases mental stress and hardship.
-Denied: $15,000 car loan, which equates to $500.00 per month because of my poor
credit rating, due to the misreported American Education Services/My Rich Uncle Student Loan
Account.
-Speculative denial of future home purchase
-Unable to attain my current apartment without the encumbrance of a co-signer.
Estimated Rent for 2009 to 2011: $24,000.00
-Denial of Credit Cards
(E) For an order awarding punitive damages as follows: Against American Education Services, in
the amount of $400,000.
Please take notice that the Plaintiff demands trial by jury in this action.
Legal Cases for reference:
1. Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151, 1156 (lith Cir.l991)
2. Thompson v. San Antonio Retail Merchants Assoc., 682 F.2d 509, 513 (5th Cir.l982)
3. Bryant v. TRW, Inc., 689 F.2d 72, 78 (6th Cir.l982)
5
JUNE 27, 2011
IIBWNDHKB
""'-'
American Education Services
P.O. Box 2461 Harrisburg, PA 17105-2461
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 717-720-3916 'lnternational717-720-3100
www.aesSuccess.org
118438 0158 8306 28L411
JESSICA MARTIN
ACCT NUMBER: 5516551110
150 74TH ST APT 2H
BROOKLYN NY 11209-2239
DEAR CUSTOMER:
This letter is in response to your recent inquiry regarding the
deferments and/or forbearances on your educational loan account. The
effective dates of the deferments and forbearances that are currently
applied to the loans listed in the LOAN INFORMATION section are listed
below. We trust this information will be of assistance.
DEFERMENT/FORBEARANCE TYPE
Economic Hardship Forbearance
Economic Hardship Forbearance
Courtesy Forbearance
School Deferment
Courtesy Forbearance
School Deferment
BEGIN DATE
12/01/06
01/01/08
01/07/09
01/20/09
05/07/09
09/01/10
END DATE
11/30/07
12/30/08
01/19/09
05/04/09
08/31/10
05/31/12
If you have any questions, you may contact us at the telephone number or
address shown above. Loan Counselors are available ta discuss your
account Monday through Friday, from 7:30a.m. to 9 p.m., ET.
Customer Service Department
PH13163:PS060HIST
5516551110 5516551110 MR 00008111790001402
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OCTOBER 19, 2010
IBWNDHKB
IB438 0158 8310
JESSICA MARTIN
14 DAVIS AVE
PISCATAWAY NJ
19l91
08854-6007
t
-
Services
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 717-720-3916 Intemational717-720-3100
www.aesSuccess.org
DEAR CUSTOMER:
We have processed your de.ferment. If the deferment w s granted or adjusted, the approved dates are listed on the
DECLARfl TION. Dunng deferment, interest will a crue on the unpaid principal balance. Depending on your
specifiC loan program, you may be required to pay the nthly accrued interest or interest may be capitalized at the
end of the deferment period as determined by your promissory note.
If the deferment request was denied, the denial reason will be listed for each loan. The deferment may have been
granted on some but not all of your Joan(s). Please be sure to review all of the LOAN DECLARATION information
thoroughly. If you believe you are eligible for a deferment but have been denied based on incorrect Information,
please send verification of your enrollment dates on school letterhead with raised seal, signed by a certifying official,
for our review.
Unless you are using our automatic payment service called Direct Debit, bills are sent 20 days prior to the due date.
If you do not receive a bill, please send your payment to: American Education Services, Harrisburg, PA 17130-0001.
Please write your account number on the check or money order to ensure your payment is processed accurately.
If you have any questions, you may contact us at the or telephone number shown ab.ove. Loan counselors
are available to discuss your account, Monday through Fnday, 7:30a.m. to 9 p.m., ET. To qwckly ?ccess
account information, send an email to our office, make a payment, or download forms, you may vlst our websHe at
www.aesSuccess.org.
'SXOB: PSO 6BD1 0 1R
516551110 5516551110
MR 00022102910000433
DEFERMENT/FORBEARANCE LOAN DECLARATION
ACCT 1: 55 1655 1110 NAME: JESSICA MARTIN
REQUESTED TYPE BEGIN DATE END DATE
DEFERMENT FULL TIME SCHOOL 09/01/10 05/31/11
1ST DISB
LOAN PGM CURRENT OWNER DATE
I-IRUUGD MRU 11/03/05
CURRENT
PRINCIPAL
$37,458.72
DATE: 10/19/10
REPAYMENT
START DATE
11/02106
ACTION TYPE
GRACE END
BEGIN DATE END15ATE DATE
GRANTED DEFERMENT FULL TIME SCHOOL
CHANGED FORBEARANCE ADHINTS'fRA-HVE
09/01/10 05/31/11
05/07/1!9 -- -OB/-3-1/1 0
- END OF REPORT -
, __ "
MARCH 04, 2011
American
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 717-720-3916 Intemationa1717-720-3100
www.aesSuccess.org
IBWNDHKB
18438 0158 8303 04L51
JESSICA MARTIN
150 74TH ST APT 2H
BROOKLYN NV 11209-2239
DEAR CUSTOMER:
-
We have processed your deferment. If the deferment was granted or adjusted, the approved dates are listed on the
LOAN DECLARATION. During deferment, interest will accrue on the unpaid principal balance. Depending on your
specific loan program, you may be required to pay the monthly accrued interest or interest may be capitalized at the
end of the deferment period as determined by your promissory note.
If the deferment request was denied, the denial reason will be listed for each loan. The deferment may have been
granted on sof!le but not all of your loan(s). Please be sure to review all of the LOAN DECLARATION information
thoroughly. If you believe you are eligible for a deferment but have been denied based on incorrect information,
please send verification of your enrollment dates on school letterhead with raised seal, signed by a certifying official,
for our review.
Unless you are using our automatic payment service called Direct Debit, bills are sent 20 days prior to the due date.
If you do not receive a bill, please send your payment to: American Education Services, Harrisburg, PA 17130-0001.
Please write your account number on the check or money order to ensure your payment is processed accurately.
If you have any questions, you may contact us at the address or telephone number shown above. Loan counselors
are available to discuss your account, Monday through Friday, 7:30a.m. to 9 p.m., ET. To quickly access current
account information, send an email to our office, make a payment, or download forms, you may visit our website at
www.aesSuccess.org.
American.Education Services
ISX08:PS06BD101R
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MR 00022110620000207
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DEFERMENT/FORBEARANCE LOAN DECLARATION
ACCT 1: 55 1655 1110 NAME: JESSICA MARTIN
REQUESTED TYPE BEGIN DATE END DATE
DEFERMENT FULL TIME SCHOOL 09/01/10 05/31/12
1ST DISB
DAN PGM CURRENT OWNER DATE
IRUUGD MRU 11/03/05
CURRENT
PRINCIPAL
$37,765.57
DATE: 03/04/11
REPAYMENT
START DATE
11/02/06
ACTION TYPE
GRACE END
BEGIN DATE END ifATE DATE
CHANGED DEFERMENT FULL TIME SCHOOL 09/01/10 05/31/12
- END Of REPORT -
Enr!JIIment Data Reported to Lenders, Servicers, and Guarantors
Status
First
Started
Electronic
Electronic
Electronic
Page 1 of3
-DIRECT
-DIRECT
NEW JERSEY HIGHER ED STUDENT
ASSIST AUTH
DEPT OF EDUCATION- DIRECT
LOANS/NSLDS
https://www.studentclearinghouse.org/secure _ area/StudentSelfService/ref _ std _ ntf _ his.asp
7/6/2011
Enrpllment Data Reported to Lenders, Servicers, and Guarantors
FULL TIME Electronic
Electronic
05/31/2014
Page 2 of3
LOANS/NSLDS
ACS- AFFILIATED COMPUTER SERVICES,
INC.
OF EDUCATION- DIRECT
S/NSLDS
-AFFILIATED COMPUTER SERVICES,
ACS- AFFILIATED COMPUTER SERVICES,
INC.
https :/ /www. studentclearinghouse. org/ secure_ area!StudentSelfService/ref _ std _ntf _ his.asp 7/6/2011
Empllment Data Reported to Lenders, Servicers, and Guarantors Page 3 of3
NEW YORK STATE HIGHR ED SVS CORP
Electronic
Electronic
link for explanation of the various types.
; t,y : :r.>F:I'-;y:nu,;c
of i Eri'!_acy.Poli_cy , ProhiG_I_TI$_ USil1Q_Thi_. ':[-J_e_Q_Site7

https://www.studentclearinghouse.org/secure _ area/StudentSe1fService/ref_ std _ ntf _ his.asp 7/6/2011
.
Priqt
From: aescs@aessuccess.org (aescs@aessuccess.org)
To: martjes2004js@yahoo.com;
Date: Mon, June 27,2011 10:49:39 PM
Cc:
Subject: Do Not Respond [T20 II 062800808060]
Page 1 of 1
This is a computer generated response acknowledging receipt of your email sent to American Education
Services (AES).
Your inquiry is important to us and will be responded to in the order in which it was received. Please do not
respond to this email as the return address is not monitored.
To protect your personal information, email replies that you receive will contain a link to an encrypted email
that is stored on our server. This allows AES the ability to provide you with specific account details while
protecting the privacy of your information.
===================================================
This message contains privileged and confidential information intended for the above addressees only. If you
receive this message in error please delete or destroy this message and/or attachments.
The sender of this message will fully cooperate in the civil and criminal prosecution of any individual
engaging
in the unauthorized use of this message.
==============================================================================
http://us.mg1.mail.yahoo.com/dc/launch?.gx=1&.rand=3487ics8ehql7
7/6/2011
Pril)t
From: aescs@aessuccess.org (aescs@aessuccess.org)
Date: Sat, July 2, 2011 12:28:30 PM
Cc:
Subject: Do Not Respond [T20 11 070200HHS060]
Page 1 of 1
This is a computer generated response acknowledging receipt of your email sent to American Education
Services (AES).
Your inquiry is important to us and will be responded to in the order in which it was received. Please do not
respond to this email as the return address is not monitored.
To protect your personal information, email replies that you receive will contain a link to an encrypted email
that is stored on our server. This allows AES the ability to provide you with specific account details while
protecting the privacy of your information.
This message contains privileged and confidential information intended for the above addressees only. lfyou
receive this message in error please delete or destroy this message and/or attachments.
The sender of this message will fully cooperate in the civil and criminal prosecution of any individual
engagmg
in the unauthorized use of this message.
========================================================
http://us.mg 1.mail.yahoo.com/dc/launch? .gx= I &.rand=3487ics8ehql7 7/6/2011
PriiJt
From: AES Customer Service (aescs@aessuccess.org)
Date: Mon, June 27, 2011 8:02:28 AM
Cc:
Subject: RE: Contact Information for Credit Reporting Concerns (T201!062300HJS060]
Page 1 of 1
You have a secure email message waiting for you from AES Customer Service at AES/PHEAA with the subject:
RE: Contact Information for Credit Reporting Concerns [T2011062300HJS060].
How to Retrieve Your Message
To retrieve your message from AES Customer Service with the subject: RE: Contact Information for Credit
Reporting Concerns [T2011062300HJS060], go to:
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This message will be available until 08/26/2011.
Why You Are Receiving this Email
AES/PHEAA has sent you a message that may include sensitive information or personal data, as defined by
federal law. To protect the privacy of this information, the email has been encrypted.
Personal data protected by federal law includes:
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If you have questions regarding the authenticity of this message, please
visit us online at www.aesSuccess.org/securemail, or contact us:
Phone: 1-800-233-0557
Email:
Postal mail: AES/PHEAA
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The sender of this message will fully cooperate in the civil and criminal
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RE: Contact lnfortndl"IOn for Cre(iit Repotinq Concerr:o, ( T2011 062 :),1'-)63/ j
aescs@oessuccess.or g
ma rt]es2 0 04J S\\!1 y a t1 oo . com
Fri 2.4 Jun 2011 15:47:22 EDT
EYPIFFir Tue 23/wq 2011 15:47:?2 ED1
Reply Reply to All
Dear Ms. Martin:
Thank you for contacting American Education Services (AES). According to our records, we received your credit
dispute letter on June 8, 2011. The credit dispute was reviewed on June 9, 2011, and it was determined that the
delinquency was reported correctly to the Credit Bureau. A letter stating that the account was reported correctly
was mailed to you on June 9, 2011.
If you require further assistance, please visit our website at www.aessuccess.org. From the homcpage, you may
click on the ?Contact Us? link, which will provide you with useful information such as our Customer Service
Department hours of operation and telephone number, and will allow you to submit inquiries via a secure e-mail.
If you have an online account, you will find additional services available and may obtain account specific
information.
Sincerely,
Maribel
On June 23, 2011 at 7:10AM, '"'Jess Mart"" <martjes2004js@yahoo.com> wrote:
To Whom It May Concern,
Please advise if email is the appropriate contact procedure regarding credit
reporting concerns. When I called 1-800-233-0557, the customer service hotline,
they told me that I am not able to directly speak with anyone regarding credit
reporting concerns. I sent a fax on the week of June 6th, in regards to
erroneous credit reporting issues and have yet to receive a response via mail or
phone. Please advise the correct method of how I can directly contact and speak
with the department that handles credit reporting concerns and/or legal
concerns.
Best Regards,
Jessica Martin
732-742-0209
ID: 5516551110
https://securemail.aessuccess.org/messenger/def/tw _purl/NonU serPurl.do?x=d-3 72807 5 5-v... 7/6/2011
Print
From: AES Customer Service (aescs@aessuccess.org)
Date: Fri, June 24,2011 3:47:22 PM
Cc:
Subject: RE: Contact Information for Credit Reporting Concerns [T2011062300HJSOIOZ4549632]
Page 1 of 1
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RE: Contact Information for Credit Reporting Concerns [T2011062300HJSOIOZ4549632].
How to Retrieve Your Message
To retrieve your message from AES Customer Service with the subject: RE: Contact Information for Credit
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Why You Are Receiving this Email
AES/PHEAA has sent you a message that may include sensitive information or personal data, as defined by
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Personal data protected by federal law includes:
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If you have questions regarding the authenticity of this message, please
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Phone: 1-800-233-0557
Email:
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==============================================================================
This message contains privileged and confidential information intended for the
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==============================================================================
http://us.mg l.mail.yahoo.corn/dc/launch? .gx= I &.rand=3487ics8ehql7 7/6/2011
ADELP
Garden City
JESSICA MARTIN
150 74TH STREET
BROOKLYN, NY 11209
IVERSITY
New York 11530
05/04/11
OFFICE OF
STUDENT FINANCIAL SERVICES
LEVERMORE HALL ROOM I
tel. (516) 877-3080
fax (516) 877-3380
Estimated Budget
Financial Plan summary
Fall Enrollment FUll-time (12+ credits}*
Spring Enrollment ASS1Jli'!Ption: Full-time (12+ credits)*
Tuition & Fees
Room & Board
Total
$28,170
$28,170
========:==-
Total Estimated Budget $28,170
Financial Assistance 16,732
Your customized Financial Assistance Plan for 2011/2012 is detailed below:
PROPOSED FINANCIAL ASSISTANCE: (Ter.ms and aond1tions on reverse side)
f!E1Y!Iri
TOTAL AMOUNT
GRANTS:
Adelphi Scholar - Transfer $1,500 $1,500 $3, 000
LOANS:
Federal Unsub Stafford 3,966 3,966 7, 932
NUrsing Student Loan 1,650 1,650 3,300
WORK STODY:
Federal Work Study Program 1,250 1,250 2,500
--------
$16, 732
========
Pederal Work Study - T.hese DOt deducted from your charges because you receive a bi-weekly
paycheck once you secure a jab an campus. Job opportunities are subject to availability.
Perkins/Nursina Loans - Check your Adelphi email for a link to the website to electronically sign (E-Sign)
your Master Promissory Note (MPN) within the authorized signing period of 8/22 - 9/2/2011.
Go to ecampus.adelpbi.edu/sfs/fed_loan.php to vier information on the Federal Direct Loan process.
If you wish to reinstate a previously reduced or declined loan, you must contact our office.
This award notification sqpersedes any previous arards which may have bean given. Please retain
all copies o your award letter for your records to determine any changes in your awards.
To change this you must email uS at PinancialServiceseadelpbi.edu and tell us the correct
enrollment status for the fall and spring -Qemesters. You will receive a revised award summary.
r
Account Home
Account Home
Account#:5516551110
Main Content
Alerts & Messages
Thursday, June 23, 2011
2011-12 State Grant eligibility is available at this time. For those students who have
been determined eligible to receive an award, PHEAA is unable to finalize this
information until the PA Commonwealth budget is passed. If the passing of the budget
results in a change to your record PHEAA will notify you via email and update Account
Access.
Payment Summary
Type of Payment Payment Amount & Date Related Payment Actions
Current Payment Due: $0.00 View Billing Details
Loan Summary
Date Loan Type Status Balance
11/03/2005 Mru Undergraduate Loan Deferment $38,068.21
View Loan Details Total Loan Balance: $38,068.21
PA State Programs
httos://login.aessuccess.org/accountAccess/index.cfm?event=common.home
Account Home
""""
Complete the PA State Grant Form
Apply for the PA Summer State Grant
Account Profile
Address:
150 74TH ST APT 2H
BROOKLYN, NY 11209-2239
Phone:
(732) 742-0209 primary
Email:
martjes2004js@yah ...
https://Jogin.aessuccess.org/accountAccess/index.cfm?event=common.home
Page 2 of2
6/23/2011
, PayJilents & Billing : Print All Payment Details
Page lof 1
Payments & Billing
Account#:5516551110
Print All Payment Details
Back to Overview Print for Your Records
0411712006 - Borrower Payment of $300.00
This payment was applied to the following loans:
Disb. Date Loan Type Principal Interest Late Fee
11/03/2005 MRU UNDERGRADUATE LOAN $204.93 $95.07 $0.00
Totals: $204.93 $95.07 $0.00
https:/lhost136.aessuccess.org/OPSWeb/processPrintPaymentDetails.do?clientld=PA&mul ... 6/23/2011
Name
JESSICA MARTIN
Jate Last
'ayment Received
04-17-06
Bill Type
INT NOTICE
Principal Paid Since
Last Statement
$0.00
Amount Past Due
$0.00
Interest Paid Since
Last Statement
$0.00
Current Interest
Accrued
$302.64
38978
ur 2010 Tax Information
Now Available
GET YOUR 2010 TAX INFO ONLINE AT
AESSUCCESS. OR Gil' AX.
Account Number
55 1655 1110
Fees Paid Since
Last Statement

ltl!wesJ,pue
4
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Date Billed
03-11-ll
Date Due
03-31-11
Total Pmnts Rcvd
Since Last Payment
$0.00
Outstanding Late
Fees To Date
$0.00
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-
Loan
Seq
First
Dlsb
Loan
Program
Accrual
Period
Begin Date
Accrual
Period
End Date
Anticipated
Capitalization
Amount
Capitalization Total
Status Date Amount Due
1001 11/03/05 HRUUGD DEFER 01/01/11 $1,737.11 06/01/12 $302.64
,#'!'
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Jf
!HIS IS NOT A DUE SHOWN ABOVE IS AN ACCRUED INTEREST AMOUNT THAT WILL
BE CAPITALIZED (ADDED:,.TO'!!rl!E PRINCIPAL BALANCE) II!" NOT PAID, ACCORDING TO THE TERMS or
/OUR D:P..TE_,i'll--'!1, .
, ""
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etum lower por11on wHh Do not staple. tokl or tape. PLEASE tNC-LUoe
<:ustomer Statement 0 Check to Indicate change of address on reverse
.-
'ccount Number
'
) 16551110
IIBWNDHK8
Date Due
03-31-11
18438 0158 8303 11881
JESSICA MARTIN
14 DAVIS AVE
PISCATAWAY NJ 08854-6007
Amount Paid - Do not write dollar ($) sign in boxes below or on check.
Total Amount Due
$
$0.00
2011070015516551110100003026400000000000000000
"
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AHERICAN EDUCATION SERVICES
HARRISBURG PA 171300001
NOVEMBER 17, 2010
IBWNDHKB
18438 0158 8311 17LOI
JESSICA MARTIN
14 DAVIS AVE
PISCATAWAY NJ 08854-6007
American EducW Services
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 717-720-3916 International717-720-3100
www.aesSuccess.org
THIS LETTER IS FOR YOUR INFORMATION ONLY.
'
WHY WE ARE CONTACTING YOU
To provide you with your student loan owner's privacy policy.
TAXKC:PS50BAGLB1
5516551110, 5516551110 STDMAIL 00096103210001148
=
...........
Privacy Policy Notice
Effective Date: January 1, 2005
www.MyRfchUncfe.com is an Internet pro pert)' of MRU Holdings, Inc. This Privacy Policy is given on
behaff of MRU Holdings, Inc., and its affiliated companies, MRU Lending, Inc. and MRU Fu-nding SPV, Inc.
(collectively referred to as "we" or "us"). We have created this Privacy Policy in order to disclose our
information gathering and dissemination practices. We understand the Importance that Internet users
place on privacy and have designed our website with this In mind. You agree to this Privacy Policy, in its
entirety, when you: 1) access or use our website located at www.MyRichUncle.com ("Website"); 2) agree
to receive e-mail from us and/or 3) make application for a loan through the Website.
This Privacy Policy will address the following:
1. What information we gather/track about you.
2. What we do with the information we gather/track.
3. Wijh whom we share the information we gather/track.
4.0urpolicy on-correcting-and updating personally identifiable information.
5. Our policy on deactivating your name from our database.
For purposes of compliance with the Gramm-LeachBIIIey Act,15 U.S.C. 6802 (the "GLB Act"),
this Privacy Policy serves as both your fnftlal customer relationship and annual "Privacy Notice".
'
Information Collected
Online Registration/Application
We provide you Application Forms for completion and submission to us in order to apply for a loan.
Please understand that the information you submH is voluntary, but required if you wish to apply to us
for a loan. You will be asked to provide personal information ("Personal Information") on the Application
Form including, but not limijed to, the following: 1) Name 2) Address 3) Email Address 4) Daytime
Telephone Number 5) Social Security Number 6) Birthdate
IP Addresses
We use your IP address to help diagnose problems with our server, and to administer our Website. Your
IP address is used to gather broad and specific demographic Information as well as for validation purposes.
Cookies
We use cookies to deliver content specific to your interests, to save your password so that you do not
have to re-enter it each time that you visit our Website (if you choose), and for other purposes.
Web Site-Tracking Software .-
Web servers, or those of third-party vendors, utilize certain tracking software to capture your domain
name address (the address of your Internet service provider) for purposes of tracking Website statistics.
Note that we only collect information about you when you voluntarily provide that information through
submission of an Application Form, by visiting our Website or some other Website activity we may provide
from time to time. The capture of your domain name is a common practice among websites for measuring
the number of hits, pages visited, and length of user session. We use this information to measure the
effectiveness of the Website offerings in order to service you better.
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Sharing of Information
In order for us to ~ r o e s s your information, and conduct business from day-to-day, we must share your
Personallnformat1on (other than your student loan-specific financial information obtained from the
National Student Loan Data System ("NSLDS")) with either companies. These companies may include,
but are not limited to, student loan service providers and information processors. For purposes of
compliance with the CFIPA, we will not share your "nonpublic personal information" (as defined in the
CFIPA) with our affiliated and nonaffiliated financial institutions with whom we may enter into joint
marketing agreements without first providing California residents with an initial and annual notice
explaining that we will be sharing this nonpublic personal information and giving the required rights.
We use the Personal Information that you supply to personalize your experience with the Website, to
evaluate whether you are qualified for credit and for verification purposes. The Personal Information
thatyou submit to us remains your property, but by submitting the information to us you grant us the
right to use that information for our own marketing purposes. Any and all student loan-specific financial
information that we collect as part of your application, and information from third-parties (including but,
not limited to, the NSLDS and other outside parties as permitted or required by applicable laws) will be
used to determine your eligibility for credit and will not be shared with third-parties other than our
service providers for purposes of evaluating yourqualifications.
If you choose to provide information such as your Social Security Number, we may use that information
to determine the status of your student loans by utilizing the NSLDS or for any other lawful purposes.
We may also use other information that you provide for the purpose of verifying your eligibility for student
loan consolidation or for any other programs or services we offer. We reserve the right to transfer
aggregate or group data about our users for lawful purposes. Aggregate or group data is data that
describes the demographics, usage or other characteristics of our users as a group without disclosing
personally identifiable information. By submitting your Personal Information to us and using the Website,
you agree to allow us to transfer such aggregate data to third-parties.
Your contact information is also used to reach you, when necessary, regarding issues concerning the
use of our Website. If you wish to stop receiving future communications from us, please see the
"Unsubscribe" section below. By submitting your e-mail address to us and/or submitting the Application
Form, you agree to receive e-mail marketing from us, or nonaffiliated financial institutions with whom
we have a joint marketing agreement, but only if we have first provided you with an oppprtunity to opt
out of our sharing your Personal Information with such companies. We reserve the right to release
current or past user information: a) in the event that we believe that our Website is being or has been
used in violation of the Website Terms and Conditions or to commit unlawful acts; b) if the information
is subpoenaed; or c) if MRU Holdings, Inc., MRU Lending, Inc., or MRU Funding SPV, Inc. is sold or
acquired. Moreover, you hereby consent to disclosure of any record or communication to any third-
party when we, in our sole discretion, determine the disclosure to be appropriate or regally nefi:essary
including, without limitation, sharing your e-mail address with other third parties for suppression purposes
in compliance with the CAN-SPAMAct of 2003, as amended from time to time .
. Other Websltes
This Website may contain links to other third-party owned and/or operated websites. We are not
responsible for the privacy practices or the content of such websites. These third-party websites
have separate privacy policies and data collection practices and we have no responsibility or liability
relating to them.
".
. '
Security
All collected information is stored in a technically and physically secure environment Unfortunately,
no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we
strive to protect your personal information, we cannot ensure or warrant the security of any
information that you transmit to us, and you do so at your own risk. Once we receive your transmission,
we make reasonable efforts to ensure its security on our systems. Access to this information is strictly
limited, and not accessible to the public. Our employees are dedicated to ensuring the security and
privacy of all MRU Holdings user information. Employees not adhering to our firm policies are subject
to disciplinary action.
Minors
Visitors under 18 years of age are not permitted to use and/or suomi! their personal information at
our Webstte. We do not knowingly solicit or collect information from visitors under 18 years of age.
We encourage parents and guardians to spend time online with their children and to participate and
rn-onifortne rnternet actlvitre_s_of tneifcrnrdren. ---
Unsubscribe
To stop receiving future communications from us, please send an e-mail with your name and e-mail
address to uflsubcribe@myrichuncle.com.
Changes In Privacy Policy
We reserve the right to change or update our Privacy Policy at any time by posting a notice at the
Website explaining that we are changing our Privacy Policy. If the manner in which we use your
Personal information changes, we will notify our Website users by posting the changes on the
Webstte. A user's continued use of the Service and/or continued receipt of our e-mail constitutes
an affirmative acknowledgement and acceptance by the user of the modified Privacy Policy.
Correct/Update
Personal information supplied to us during registration can be modified by: 1) logging in to your
account; 2) clicking on User Settings; or 3) modifying any of the desired fields.
Contacting the Website
Our "About Us" page contains information that allows you to contact us directly with any questions
br comments that you may have. We listen or read every message sent in and endeavor to reply
promptly to eacti one. Th-is information Is used to resporicl directly to your questions or comments.
If you have any questions about this Privacy Policy, please feel free to telephone us at
1-888-MyRichUncle or at privacypolicyinfo@myrichuncle.com.
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JUNE 08, 2011
American Educatio-vices
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 717-720-3916 Internationa1717-720-3100
www.aesSuccess.org
IBWNDHKB
18438 0158 8306 09L71
JESSICA HARTIN
150 74TH ST APT 2H
PLEASE READ THE FOLLOWING INFORMATION CAREFULLY
TO DETERMINE WHETHER YOU NEED TO TAKE ACTION.
We determined that the information reported to each nationwide consumer reporting agency was reported correctly
due to a period of delinquency on the Joan(s) listed on the reverse side of this Jetter.
WHAT ACTIONS YOU NEED TO TAKE
If you still believe the consumer reporting agency(s) received incorrect information about your loan(s), we need
copies of any pertinent documents supporting your position in order for us to review further.
"1D615:PS300TRDC
>i16551110 5516551110 HR
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June 28, 20 II
Education
PO Box5185
Sioux FaUs, SO 57117-5185
1-aoo-658-3567
001722-01189-0591-CC
JESSICA MARTIN
150 74TH STREET APT 2H
BROOKLYN, NY 11209
Re: 16592410 I 97680-30755
Wells Fargo Education Connection'" Loan
Dear Jessica:
You reCC!Jtlyapplie<rfor a Wells Fargo Education Connection Loan. We carefully considered your Joan
request and unable to approve it at this time.
If you would like a statement of specific reasons why your application was denied, please contact us at the
address shown above or call 1-800-658-3567 within 60 days of the date of this letter. We will provide you
with the statement of reasons within 30 days after receiving your request
Our credit decision was based in whole or in part on information obtained in a report from the consumer
reporting agency listed. The reporting agency played no part in our decision and is unable to supply
specific reasons why we have denied credit to you.
TRANS UNION
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022-1000
800 888-4213 WWW.TRANSUNION.COMIMYOPTIONS
You have a right under the Fair Credit Reporting Act to know the information contained in your credit file
at the consumer reporting agency. You have a right to a free copy of your report from the reporting agency,
if you request the report no later than 60 days after you receive this notice. In addition, if you find that any
information contained in the report you receive is inaccurate or incomplete, you have the right to dispute
the matter with the reporting agency.
Sincerely,
Wells Fargo Education Financial Services
NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has
the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit
Protection Act. The fede11!1 agency that administers compliance with this law concerning this creditor is:
LPDQ43 (10-06)
Office of the Comptroller of the Currency
Customer Assistance Unit
1301 McKinney Avenue, Snite 3450
Houston, TX 77010-9050
Wells Fargo Education Financial SeNices is a division of Wells Fargo Bank, N.A.
64300 V26 052011
*** 230475435-003
.... '
POBox2000 ._
Chester, PA 19022
1 IIIII m1 11111111 m11 m 011 n111 m11
12/15/2010 TransUnion.
P1BZB000204699-1032623-019890285
lhlnhlhllllu"l'lllll'l'(l(lllll(ullll"lhlllllllll
JESSICA MARTIN
150 74TH ST 2H
BROOKLYN, NY 11209
Our investigation of the dispute you recently submitted is now complete. The results are listed below.lf
an item you disputed is not in the list of results below, it was either not appearing in your credit file or it
already reflected the corrected status at the time of investigation.
If our investigation has not resolved your dispute, you may add a 100-word statementto your report. If
provide a consumer statementthat contains medical information related to setvice providers or
medical procedures, then you expressly consentto TransUnion including this information in every credit
report we issue about you. If you wish to obtain documentation or written verification concerning your
accounts, please contact your creditors directly.
If there has been a change to your credit history resulting from our investigation, or if you add a
consumer statement, you may request that TransUnion send an updated report to those who received
your report within the last two years for employment purposes, or within the last one year for any other
purpose.
If interested, you may also request a description of how the investigation was conducted along with the
business name, address and telephone number of any company we may have contacted for information
. Thank you for helping ensure the accuracy of your credit information.
Forfrequently asked question-s about yourtredit report, please vts1r!tttp:/itran5[!nion.custhelp.c9_ril
Investigation Results
ITEM DESCR I PTI ON f . RESULTS
PERSONAL INFORMATION NEW INFORMATION BELOW
AES # 5516551110PA00001 NEW INFORMATION BELOW
/
-
-
-
-
-
-
-
Trans Union Personal Credit ' 1re
JESSICA MARTIN V
Not Purchased
(See Below)
Grade
Created on
12/15/2010
Unavailable
(See Below)
Unavailable
(See Below)
Based on yourTransUnion credit report, this is a The numerical score ranges from 990 to SOl Your credit ranks higher than -%or the nation's
population. depiction creditworthiness. ranges from A to F.
About your TransUnlon Personal Credit Score
YoUr TransUnlon Personal Credit Score Is displayed above, and was calculated with the VantageScore credit scoring formula. Your credit score is a snapshot of the
contents of your credit report at the time the score was calculated. Using objective, impartial formulas to translate the contents of your credit report into a 3-digit
score enables lenders to evaluate your application for credit in a fast, fair and more objective manner. Remember, we constantly update the information contained
in your credit report, so yourTransUnion Personal Credit Score only represents the score a lender would receive if they requested it today.
Summary
You did not order a TransUnion credit score. You can purchase your credit score for $7.95 by calling 1866-SCORE-TU or 1866726-7388.
Answers About Credit Scores
How are credit scores used?
A credit score is just one of several factors a company usually uses when deciding to extend credit, give insurance coverage or provide financial seiVices to you. A
variety of other factors will be considered, such as length of employment, income or previous experience with you. Depending on Yfhat you are applying for,
different companies weigh each of these factors differently. By using a credit score, they can evaluate your application quickly, fairly and consistently.
How can I improve my credit score?
A credit score is a snapshot of the contents of your credit report at the time It was calculated. long-term, responsible credit behavior is the most effective way to
improve future scores. Pay bills on time, lower balances and use credit wisely to improve your score over time. You should also review your credit report to en u ~
it is accurate.
How do Inquiries affect my credit score?
When your credit is checked by a business for the purpose of an application a 'hard inquiry' appears on your credit report. These inquiries can affect your credit
score; and typically they have only a small impact. Delinquencies, balances owed, and the length of time you have used credit are all more important. Inquiries
have a greater impact if you have a limited credit history.
Additional Information
The TransUnion Personal Credit Score is provided to help you better understand how lenders view your credit report. It is not an endorsement or a determination
of your qualification for a loan. The VantageScore credit scoring model was used for this Score Analysis and is not n.ecessarily the same scoring model that may
be used by a lender. The resulting credit score may not be identical in every respect to any consumer credit score produced by any other company. Any credit
information that has not yet been reported to TransUnion will not be reflected in your consumer disclosure or score. Also, some items disputed directly with
creditors are not incorporated In the assessment of your credit score.
Protect Yourself From Identity Theft
Each year, 9 million people
become victims of identity theft:
Protect yourself. It's easy. We'll
email you within 24 hours of
any critical changes to your
credit report.
You'll swiftly find out about:
fraudulent activity
new inquiries
new accounts
late payments
and more
Source: The FrC's national education campaign -AvoiD Theft: Deter, Detect, Defend.
Sign up now at:
www.truecred it. com I protect
:::::; Experian

A world of insight
Prepare!:! for
JESSICA
Report
4170-08!42-36
Report date
December 14,2010
www.experian.com/disputes Page I of 24
PO BOX 970 I , Allen, 1X 750 13 .
Dear JESSICA MARTIN,
To assist you in understanding your correction summary, we have
provided additional inforrration that relates directly to items on your
personal credit report.
AES/MRU
5516551 I IOPAO ....
PLEASE REFER TO YOUR CREDIT REPORT FOR UPDATE.-
We are responding to your request to change your name or Social Security
number on your personal credit report. We store infomnation based on
identification infonmation provided to us by credit grantors and providers of public
records. This is and will remain on file.
You will not receive this explanation again dispute this same item within the
next 30 days.
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, Allen TX 75013
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::: Experian

A world of insight
Investigation results
About our dispute verification process
Prepared for
JESSICA MARTIN
Report number
4170-0842-36
This summary shows the revision( s) made to your credk file as a of the
verifiCation we recently completed. If you still question an kem, then you may want to
contact the source of the information.
The federal Fair Reporting Act states that you may:
request a description of how we verified the information, including the business
name and address contacted and the telephone number if reasonably available;
add a statement disputing the accuracy or completeness of the information; and
request that we send these to organizatkms who have reviewed your credk
report in the past two years for employment purposes or six months for any other
purpose.
,
If no information follows, our response appeared on the previous page.
.
Report date
December 14,2010
www.experian.com/disputes Page 2 of 24
What's your credit score?
Find out by ordering your
VantageScore"' from
Experian for only $7.95. To
order your VantageScore,
call I 888 322 5583.
By l&w. we cannot disclose
certain medical information
(relating to physical, mental, or
behavioral or condkion).
Mhough we do not ge;T 'ly
collect such informatior\_
could appear in the name of a
data furnisher (i.e .. "Cancer
Center') that reports your
payment history to us. If so,
those names display in your
report, but in reports to others
they display only as MEDICAL
PAYMENTDAiA Consumer
statements included on your
report at your request that
contain medical information are
disclosed to others.
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Prepared for: JESSICA MARTIN
Date: January 24j 2011
Page 1 of 2

A world of insight
Report number: 37774653-19
Dear JESSICA MARTIN
We are responding to your request to verify item(s) on your personal credit
report. We have already investigated this information and the credit
)
grantor has verified its accuracy. Please refer to the personal credit report
you received for the name, phone number, and address of the credit
grantor who verified this information. Pursuant to Section 611 (a)(3)(A) of
the Fair Credit Reporting Act, we will not be investigating your dispute
again at this time. If you still believe the item is inaccurate, then we can
add a statement of continued dispute tO' your personal credit report at your
)
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0705097085
request, or you may wish to contact the credit grantor directly to resolve
your issue. If you have additional relevant information (anything new that
' has occurred between you and the credit grantor or courts that should
' result in a change to the information appearing on your credit report, sucti
as a letter from the creditor, a cancelled check or money order, billing
statement, contact name of the credit grantor, letter from the IRS, proof
. from a court or county reporter, proof that bankruptcy was dismissed or
discharged, etc.), that was not presented when you previously disputed the
information, you may mail it to us and we will reinvestigate your claim.
Potentially negative information, such as missed or late payments, and
most public record items remain on the credit report for seven years, with
the exception of Chapters 7, 11 and 12 bankruptcies and unpaid tax liens,
which remain for 10 years.
When you question information on your personal credit report and tell us
specifically why you believe-the information is inaccurate or incomplete,
we contact the source of the information through an automated verification
system or letter. We ask the source to check their records to verify all of
the information regarding the itern you questioned, and report back within
. 30 days of the date that we received your request (21 days for Maine
residents and 45 days for investigation of information on an annual free
1 credit report). Once we receive the response, we will send you the results
1 of the investigation. If we do not receive a response within the required
investigation period, we will update the item as you have requested or
! delete the information, and send you the results. Should you need to
i contact us again, please be sure to reference the Report Number at the top
! of this letter. To check the status of your investigation, you may log on to
I www.experian.com/status.
According to the Fair Credit Reporting Act (FCRA), a national consumer
credit reporting company's role in the dispute process is to investigate
' information to determine .the accuracy and completeness of any disputed
item by contacting the sorirce of the disputed information and informing
Prepared for: JESSICA MART!N
Date: January 24, 2011 ,
Report number: 37774653-19
them of all relevant information regarding the consumer's dispute, If the
issue is not resolved, then the consumer credit reporting company must
offer to include a consumer statement on the personal credit report. The
Federal Trade Commission (the government agency charged with
"\)enforcement of the FCRA) does not require that the consumer credit
]reporting company obtain documentation such as the actual signed sales
slips, signature cards, contracts, etc.; nor does it require that consumer
credit reporting companies act as mediators or negotiators in account
disputes.
)
Unless you send us relevant information to support your claim, we will not
investigate this information again and you will not receive this notice again
regarding this particular dispute.
AES/MRU
5516551110PAO ....
Sincerely,
Experian
NCAC
PO BOX9701
Allen TX 75013
A
0705097085
Page 2 of 2
.
~ IIIII I I I I I i i ~ I I H I ~ I l l
0000691 ACL 001 001 17911 NYNNNNNNNN(I{N
J.P.MORGAN .CHASE, N.A.
YOUR CREDIT SCORE AND THE PRICE YOU PAY FOR CREDIT
Your credit score
What you should know
about credit scores
How we use your
credit score
The range of scores
How your 5core
compares to the 11cores
of other consumers
(., )771 12110/10
644
Source: Trans-I:Jnlon Elata: 06-25-11-
Your credit score is a number that rellects the information in your credit report.
Your credit report is a record of your credit history. It includes information about
whether you pay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
Your credit score can affect whether you can get a loan and how much you will have to
pay for that loan.
Scores range from a low of 250 to a high of 900.
Generally, the higher your score, the more likely you are to be offered better credit terms.
25%
287-499 500-549 550-599 600-649 650-699 70074%: 750-799 800-855
FICO Credit Scorv Range
,., 2010 Flllllr Isaac Corparellon. All righls n d f i ~ __TU_OB.'i51CBI04_0410
Please see the additional Information on reverse.

What If there are
mistakes In your
credit report?
You have a right to dispute any inaccurate infonnation in your credit report. If you find mistakes
on your credit report, contact the consumer reporting agency.
It is a good idea to check your creda report to make sure the infonnation it contains is accurate .
. '<
How can you obtain Under federal law, you have the right to obtain a free copy of your credit report from each of the
a copy of your
credit repcrt?
nationwide consumer reporting agencies once a year.
To order your free annual credit report:
By telephone:
On the web:
By mail:
Call toll-free: 1-877-322-8228
Visit www.annualcreditreport.com
Mail your completed Annual Credit Repcrt Request Fonn (which
you can obtain from the Federal Trade Commission's website at
www.ftc.gov/bcp/conlinelinclude/requestfonnfinal.pdl) to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
How can you get For more infonnation about credit reports and your rights under federattaw, visit the Federal
more Information? Reserve Board's website at www.federalreserve.gov, or the Federal Trade
Commission's website atwww.ftc.gov.
,.
-
-
-
-
600T1 V26 052011
Wells Fargo Bank, N.A.
Your Credit Score and the Price You Pay for Credit
628
Model: Classic 98
Trans Union
Date: 06/25/20 II
Your credit score is a number that reflects the information in your credit repo1t.
Your credit report is a record of your credit history. It includes information about
whether you pay your bills on time and how much you owe to creditors.
Your credit score can change, depending on how your credit history changes.
Your credit score can affect whether you can get a loan and how much you will have to
pay for that loan.
Scores range from a low of 336 to a high of 843.
Generally, the higher yo'lr score, the more likely you are to be offered better credit terms.
20%
16%
.11%
1/2

Excessive proportion of revolving balances to revolving credit limits
Number of accounts with balances
Length of time (or unknown time) since account delinquent
You have a right to dispute any inaccurate information in your credit report. If you
find mistakes on your credit report, contact the consumer reporting agency.
It is a good idea ~ check your credit report to make sure the information it contains
is accurate.
Under federal Jaw, you have the right to obtain a free copy of your credit report from
each of the nationwide consumer reporting agencies once a year.
To order your free annual credit report-
Call toll-free: 1-877-322-8228
Visit www .annualcreditreoort.com
Mail your completed Annual Credit Report Request Form (which
you can obtain from the Federal Trade Commission's web site at
http://www.ftc.goy/bcp/conline/include/requestformfinal.odf) to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
For more information about credit reports and your rights under federal law, visit the
Federal Reserve Board's web site at www.fedemlreseN.gov, or the Federal Trade
Commission's web site at www.ftc.gov
2J2
APRIL 02, 2011
--
P.O. Box 2461 Harrisburg, PA 17i05-246i
Toll-free 1-800-233-0557 TDD 717-720-2354
Fax 7i7-720-39i6 International7i7-720-3i00
www.aesSuccess.org
IBWNDHKB
18438 0158 8304 02L61
JESSICA MARTIN
150 74TH ST APT 2H
_,
THIS LETTER IS FOR YOUR INFORMATION ONLY.
We would like to let you know that interest has been capitalized on the loan(s) listed on the reverse side of this letter.
Capitalization of interest typically occurs when you reach the end of your grace period or a period of
deferment/forbearance.
WHAT THIS MEANS TO YOU
Unpaid interest that has accumulated on your loan(s) was added to and became part of your principal balance.
Interest will now begin accumulating on this new increased principal balance.
WHAT ACTIONS YOU NEED TO TAKE
No action is required at this time.
:sXFS:PS06BCAPA
;;516551110 5,516551110
MR 00005110910007852
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LOAN
PROGRAM
MRUUGD
1ST DISB
DATE
11/03/2005
LOAN INFORMATION
ORIGINAL
BALANCE
$28,125.00
CURRENT
BALANCE
$38,068.21
AMOUNT
CAPITALIZED
$302.64
Enrollment Services
August 13, 2010
Jessica Martin
14 Davis Avenue
Piscataway, NJ 08854
Dear Ms. Martin:
SCHOOL OF
NURSING
University of Medidne & Dentistry of New Jersey
Your application to the UMDNJ - School of Nursing, Accelerated Second Degree BSN Program,
Newark campus fnr the Fall2010 term has been reviewed. You have merthe admissions criteria, however,
our Fall 2010 term class is full. We would like to offer you a sea: for the Spring 2011 term. Your
acceptance is contingent upon the successful completion of Chemistry with laboratory (4 credits). A
completed "official transcript" must be submitted which reflects the final grade and a minimum cumulative
grade point average of 2. 75 in the prerequisite science courses. before jOU begin the program. If an official
transcript has not been received before the start of the semester, you will not be permitted to begin and your
admission will be withdrawn. If an official transcript(s) is not available before the first day of class, a fmal
grade submitted by the instrUctor(s) on school letterhead will be accepted pending the receipt of the official
transcript(s). 1\dmission to each of our programs is competitive and acceptances are granted to those
applicants deemed best prepared as determined by the program's admisions committee.
Enclosed you will tlnd an APPLICANT ACTION SHEET which will have instructions to follow
indicating your intent to join us this upcoming Spring 2011 term. We look forward to welcoming you into
the School of Nursing family.
I know that your timo here at the School of Nursing will be a cha!lengmg experience and one that "'ill
assist you in meeting your future goals. The administration and faculty nte here to "'<sist. We ar:J all vested
in the healthcare of the citizens of New Jersey and are excited about our opportunity to share our love of
nursing with you.
lfyou need additional information or clarification you may contact your Admissions
Advisor, Catherine Collin RN, MSN, ANP, at 973-9722429 or by email at
!:9.llinfll@umdnj.edu.
Please accept my sincere congratulations and bet wishr.s, and !look forward to your decision in joining the
Spring 20 II class.
.
Sincerely,
Deniso M. Tate, Ed.D, APN, WHNP-BC
Assistant Proftss.or
Assistant Dean Prelicensure Programs
cc: Cheryl White, Assistant Director of Financial Aid .
Encl: Applic..nt Actiun She and Criminal Background Check Form;
65 BergenStreet, 1st Floor, Room 152 PO Box 1709, Newark, NJ 07101-1709
Phone: 973-972-5336 Fax: 973-972-7453 Web Site: www.sn.umdnj.edu
The University is an Affirmative Action/Equal Opportunity Employer
Enrollment Services
December 10, 2010
Jessica Martin
14 Davis Avenue
Piscataway, NJ 08854
Dear Ms. Martin:
SCHOOL OF
NURSING
University of Medicine & Dentistry of New Jersey
This will confirm that your acceptance into the Spring 2011 class for the
Accelerated Second Degree BSN Program, Newark campus has been
deferred to the Summer 2011 term.
Please note that, deferred applicants must contact The Office of Enrollment
Services at 973-972-5336 two weeks prior to the start of the term they are
beginning classes to have information regarding logons to various IT services at
UMDNJ ( online learning, e-mail, etc.) as well as registration information mailed
to them. Please refer to the School of Nursing academic calendar for the
mandatory orientation dates and start of registration.
http://sn.umdnj.edu/studentsonly/calendar.htm
Additional information or clarification may be obtained by contacting your Track
Advisor, Catherine Collin, at 973-972-2429 or by email at collinca@umdnLedu.
~ ~
t{!ne Hanrahan
Manager of Admissions
cc: Cheryl White, Assistant Director of Financial Aid
. -
,(' .
65 Bergen Street, 1st Floor, Room 152 PO Box 1709, Newark, NJ 07101-1709
Phone: 973-972-5336 Fax: 973-972-7453 Web Site: www.sn.umdnj.edu
The University is an Affirmative ActioniEqUal Opportunity Employer
FTC Bureau of Consumer Protectir- - Consumer Information
'
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\ I --- -- -----------
'" . PROTECTI!1iG Ac\fERIC:!'S CONSUMERS
Thank you for filing a complaint with the Federal Trade Commission. Based on the Information
you have given us, we recommend that you take the following steps, if you have not already.
Step 1:
Step 2:
For additional information on the Fair Credit Reporting Act and your consumer
rights, please visit this page .
If you have done the above steps and have any additional questions or any
additional information you would like to add to your file, please call 877-382-4357
to seeak with a counselor. When you call, please have this reference number:
31211760 to help us quickly retrieve your information.
( Submit Another Complaint
OfJIB #3084-0047
Federal Trade Commission Privacy Policy
Last M()dif:ed. Sund;;;y. 00:30:00 EDT
https://www.ftccomplaintassistant.gov/FTC _ Wizard.aspx?Lang=en
Page 1 of 1
6/23/2011
-,
:::: provded
by local rules of court Thts fonn, approved by the Judtc1al Conference of the Umted States m September 1974. IS required for the use of the Clerk of Court for the purpose ofmtttatmg
the CIVil docket sheet. (SEE JNSTRUCfTONS ON THE REVERSE OF THE FORM.)
I. (a) PLAINTIFFS
Jessica Martin, 150 74th Street, Apt. 2H, Brooklyn, New York
11209 (No Phone Number Provided)
(b) County of Residence of First Listed Plaintiff
(EXCEPT IN U.S. PLAINTIFF CASES)
(c) Attorney's (F1rm Name, Address, 1111d Telephone Number)
Pro Se: See Above
II
DEFENDANTS
County of Residence of First Listed Defendant
(IN U.S. PLAINTIFF CASES ONLY)
NOTE: IN LAND CONDEMNATION CASES, USE THE LOCATION OF THE
LAND INVOL YEO.
Attorneys (If Known)
J.
II. BASIS OF JURISDICTION (Place an "X" in one Box Only) III. CITIZENSHIP OF PRl P L PARTIES(Place an "X" in One Box for Plaintiff
0 I U.S. Government
Plaintiff
a 2 U.S. Government
Defendant
0 II 0 Insurance
0 120 Manne
0 130 Miller Act
0 I 52 Recovery of Defaulted
Srudent Loans
(Excl. Veterans)
0 \53 RecoveryofOverpayment
of Veteran's Benefits
0 160 Stockholders' Suits
0 190 Other Contract
0 195 Contract Product Liability
3 Federal Question
(U.S. Government Not a Party)
a 4 Diversity
(Indicate Citizenship of Parties in hem III)
PERSONAL INJURY
3 I 0 Airplane
3 IS A1rplane Product
Liability
320 Assaull, Libel &
Slander
330 Federal Employers'
Liability
340 Marine
345 Marine Product
Liability
350 Motor Vehicle
PERSONAL INJURY
0 362 Personal Injury -
Med. Malpractice
0 365 Personal InJury -
Product Liability
0 368 Asbestos Personal
Injury Product
Liability
PERSONAL PROPERTY
0 370 Other Fraud
0 371 Truth in Lending
0 380 Other Personal
Property Damage
0 385 Property Damage
Product Liability
(For Diversity Cases Only)
PTF
Citiun ofThis State 0 I
; )l ,. ""'Box ro, "'''"MJ
Ib;J' ./
1
< PTF DEF
0 I !nco at fri al PJw;e 0 4 0 4
of Business In This State
11',
Citizen or Subjl.a w
Forei n Coun
610 Agriculture
620 Other Food & Drug
625 Drug Related Seizure
of Property 2 I USC 881
630 Liquor Laws
640 R.R. & Truck
Standards
Ac<
0 422 Appea\28 USC 158
0 423 Withdrawal
28 usc \57
0 820 Copyrights
0 830Patent
0 840 Trademark
0 861 HIA ( 1395fl)
0 862 Black Lung (923)
0 863 DIWC/DIWW (405{g))
0 864 SSID Title XVI
D
..
D 6'
0 400 State Reapportionment
0 410 Antitrust
0 430 Banks and Banking
0 450 Commerce
0 460 Deportation
0 470 Racketeer Influenced and
Corrupt Organizations
0 480 Consumer Credit
0 490 Cable/Sat TV
0 8\0 Selective Service
0 850 Securities/Commodities/
Exchange
875 Customer Challenge
12USC3410 720 Labor/Mgmt. Relations
730 Labor/Mgmt.Reporting
& Disclosure Act
740 Railway Labor Act
510 Motions to Vacate 790 Other Labor Litigation
89Q Other Statutory Actions
891 Agricultural Acts
892 Economic Stabilization Act
893 Environmental Matters
894 Energy Allocation Act 0 220 Foreclosure
a 230 Rent Lease & Ejectment
0 240 Tons to Land
0 245 Ton Product Liability
0 290 All Other Real Property
D
Accommodations
0 444 Welfare
0 445 Amer. w/Disabilities -
Employment
0 446 Amer. w!Disabilities -

0 440 Other Civil Rights
Sentence 791 Empl. Ret. Inc.
Habeu Corpus: Security Act
530 General
535 Death Penalty
540 Mandamus & Other
550 Civil Rights
555 Prison Condition
465 Other Immigration
Actions
895 Freedom oflnfonnation
Ac<
900Appeal of Fee Determination
Under Equal Access
to Justice
0 950 Constitutionality of
State Statutes
V. ORIGIN
llll Original
Proceeding
(Place an "X'' in One Box Only)
0 2 Removed from 0
3 Remanded from 0 4 Reinstated or 0 5 from
Appellate Court Reopened anoth_er dtstnct
s ectf
0 6 Multidistrict
Litigation
0 7
Appeal to District
Judge from
Magistrate
State Court
Jud ment
Cite the U.S Civil Statute under which you are filing (Do not cite jurisdictional statutes unless diversity):
VI. CAUSE OF ACTION -----------------------------------
GIVII Action 1-'ursuant 1 o "1 b 1 p ana 1\l\!ZK(d), et at""
VII. REQUESTED IN
COMPLAINT:
VIII. RELATED CASE(S)
IF ANY
DATE
07/07/2011
FOR OFFICE USE ONL \'
LJ CHECK IF THIS IS A CLASS ACTION DEMANDS
UNDER F.R.C.P. 23
(See instructions):
JUDGE
RANDOM/RANDOM
SIGNATURE OF AlTORNEY OF RECORD
RECEIPT II _____ AMOUNT _______ _
APPLYING IFP ---:--:--:---
CHECK YES only if demanded in complaint
JURY DEMAND: a Yes a No
DOCKET NUMBER NONE
JUDGE_e.v,=-!...::(./:._

Case 1:11-cv-03319-ENV-LB Document 1-2 Filed 07/07/11 Page 1 of 2 PageID #: 45
.
-
'-'
ARBITRATION CERTIFICATION
I, , counsel for do hereby certify pursuant to the Local
Arbitration Rule 83.10 that to the best of my knowledge and belief the damages recoverable in the above captioned civil action exceed the
sum of $150,000 exclusive of interest and costs. Relief other than monetary damages is sought.
DISCLOSURE STATEMENT- FEDERAL RULES CIVIL PROCEDURE 7.1
Identify any parent corporation and any publicly held corporation that owns 10% or more or its stocks:
RELATED CASE STATEMENT (SECTION VIII)
All cases that are arguably related pursuant to Division of Business Rule 50.3.1 should be listed in Section VIII on the front of this
form. Rule 50.3.1 (a) provides that ''A civil case is "related" to another civil case for purposes of this guideline when, because of
the similarity of facts and legal issues or because the cases arise from the same transactions or events, a substantial saving of judicial
resources is likely to result from assigning both cases to the same judge and magistrate judge."
NY-E DIVISION OF BUSINESS RULE 50.l(d)(2)
1.) Is the civil action being filed in the Eastern District removed from a New York State Court located in Nassau or Suffolk
County: NO
2.) If you answered "no" above:
a) Did the events or omissions giving rise to the claim or claims, or a substantial part thereof, occur in Nassau or Suffolk
County? f/0
b) Did thV.!:ents of omissions giving rise to the claim or claims, or a substantial part thereof, occur in the Eastern
District? I t:-5
If your answer to question 2 (b) is "No," does the defendant (or a majority of the defendants, if there is more than one) reside in Nassau or
Suffolk County, or, in an interpleader action, does the claimant (or a majority of the claimants, if there is more than one) reside in Nassau
or Suffolk County? _________ _
(Note: A corporation shall be considered a resident of the County in which it has the most significant contacts).
BAR ADMISSION
I am currently admitted in the Eastern District of New York and currently a member in good standing of the bar ofthis court.
Yes, ____ _ No ____ _
Are you currently the subject of any disciplinary action (s) in this .<?r any other state or federal court?
Yes. _____ (lfyes, please explain) No ____ _
Please provide your address and bar code below. Your bar code consists of the initials of your first and last name and the last four
digits of your social security number or any other four digit number registered by the attorney with the Clerk of Court. (This information must
be provided pursuant to local rule ll.l(b) of the civil rules).
Attorney Bar Code: ______________ _
E-MAIL Address:---------------
Electronic filing procedures were adopted by the Court in Administrative Order No. "In re: Electronic Filing Procedures (ECF)."
Electronic filing became mandatory in Administrative Order "In re: Electronic Case Filing." Electronic service of all papers is now
routine.
I certifY the accuracy of all information provided above.
Signature: __________________ _
Case 1:11-cv-03319-ENV-LB Document 1-2 Filed 07/07/11 Page 2 of 2 PageID #: 46

Jessica Martin V American Education Services FDCPA FCRA Complaint

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