Work History
Accomplishments
Timeline
Generic

Aaron Duque

St. Cloud, Washington,FL, DC

Work History

aaron

Federal Reserve Consumer Help Center, 1501 Farm Credit
Houston, McLean, Washington, TX, VA, N.W. DC
- 09.2023
  • To the extent not included in item 1 above: a
  • National banks, federal savings associations, and federal branches and federal agencies of foreign banks b
  • State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State
  • Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act
  • C
  • Nonmember Insured Banks, Insured State Branches of
  • Foreign Banks, and insured state savings associations d
  • Federal Credit Unions a
  • Office of the Comptroller of the Currency
  • Customer Assistance Group, -5090 Retailers, Finance Companies, and All Other Creditors Not
  • Listed Above
  • Federal Trade Commission
  • Consumer Response Center
  • Thank you for submitting a rental application
  • We were unable to accept your application for the following reason(s)
  • Credit History
  • Unable to verify income/employment
  • We do not accept zelle deposits
  • Feel free to contact us with any questions or concerns
  • We will be happy to address them with you
  • Sincerely

AppFolio, Inc
Santa Barbara, CA
- 09.2023
  • Dear aaron A
  • Duque:
  • Thank you for your recent rental application to Central Florida Real Estate Management LLC
  • You recently authorized Central Florida Real Estate Management LLC to obtain consumer reports and/or investigative consumer reports about you from AppFolio, Inc., who provided us with information regarding your credit history, rental history, and/or criminal history
  • We regret to inform you that Central Florida Real Estate Management LLC is unable to approve your rental application due to the following: [X] Credit History [ ] Rental History [ ] Criminal History (evaluating the nature, gravity, and timing of offences)
  • Central Florida Real Estate Management LLC’s decision is based in whole or in part on information contained in the report obtained from:
  • AppFolio, Toll free: (866) 359-3630
  • For information on how to obtain a copy of your report or file a dispute, please visit: www.appfolio.com/consumer
  • We are enclosing a copy of A Summary Of Your Rights Under The Fair
  • Credit Reporting Act with this letter for your review
  • Central Florida Real Estate Management LLC is solely responsible for the decision to decline your application
  • AppFolio, Inc
  • Did not make this decision and is unable to supply you with specific reasons why the decision was made
  • You have the right to obtain a free copy of the report if you submit a written request to the agency identified above no later than 60 days after you receive this notice
  • You also have the right to dispute the accuracy or completeness of any information in the report by contacting, , www.appfolio.com/consumer, (866)3630
  • We also obtained your credit score from AppFolio, Inc
  • (who obtained it from Experian, 701 Experian

Consumer Financial Protection Bureau
Washington, DC
  • N.W.

Estate Management LLC
, TX
  • Www.experian.com/reportaccess, (888) 397-3742) and may have used it in making our decision
  • Your credit score is a number that reflects the information in your credit report
  • Your credit score can change, depending on how the information in your credit report changes
  • Your credit score: NA
  • Date credit score was created:
  • Credit scores range from a low of 300 to a high of 850
  • Experian did not return a credit score for this applicant
  • California applicants only (this section applies only if the report referenced above is a credit report):
  • You have the right to obtain a free copy of your credit report within 60 days from the consumer credit reporting agency which has been identified on this notice and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis
  • Under California law, you also have the right to dispute with the consumer reporting agency the accuracy or completeness of any information in the report
  • Massachusetts applicants only (this section applies only if the report referenced above is a credit report): You have the right to obtain a free copy of your credit report within sixty days from the consumer credit reporting agency which has been identified on this notice
  • The consumer credit reporting agency must provide someone to help you interpret the information on your credit report
  • Each calendar year you are entitled to receive, upon request, one free consumer report
  • You have the right to dispute inaccurate information by contacting the consumer credit reporting agency directly
  • If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the agency must then, within thirty business days, reinvestigate and modify or remove inaccurate information
  • The consumer credit reporting agency may not charge a fee for this service
  • If reinvestigation does not resolve the dispute to your satisfaction, you may send a letter to the consumer credit reporting agency, to be kept in your file, explaining why you think the record is inaccurate
  • The consumer credit reporting agency must include your statement about the disputed information in a report it issues about you
  • Sincerely
  • Central Florida Real, 1
  • Para información en español, visite www.consumerfinance.gov/learnmore
  • Escribe a la

carriers

O
Minneapolis, Kansas City, Alexandria, Jersey, Washington, MN, MO, VA, S.E. DC
  • National Credit Union Administration
  • Office of Consumer Financial Protection, OCFP)
  • Division of Consumer Compliance Policy and Outreach, Asst
  • General Counsel for Aviation Enforcement & Proceedings, 4
  • Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board

Associate Deputy Administrator

Capital Access, United States Small Business Administration
Washington, S.W. DC
  • Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor Small Business Investment Companies

S.W, Exchange Commission
Washington, DC

Credit
Washington, N.E. DC
  • Federal Land Banks, Federal Land Bank Associations
  • Federal Intermediate Credit Banks, and Production Credit
  • Associations
  • Farm

Accomplishments

  • A Summary of Your Rights Under the Fair Credit Reporting Act
  • The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies
  • There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records)
  • Here is a summary of your major rights under FCRA
  • For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552
  • You must be told if information in your file has been used against you
  • Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information
  • You have the right to know what is in your file
  • You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”)
  • You will be required to provide proper identification, which may include your Social Security number
  • In many cases, the disclosure will be free
  • You are entitled to a free file disclosure if: o a person has taken adverse action against you because of information in your credit report; o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days
  • In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies
  • See www.consumerfinance.gov/learnmore for additional information
  • You have the right to ask for a credit score
  • Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus
  • You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it
  • In some mortgage transactions, you will receive credit score information for free from the mortgage lender
  • You have the right to dispute incomplete or inaccurate information
  • If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous
  • See www.consumerfinance.gov/learnmore for an explanation of dispute procedures
  • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
  • Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days
  • However, a consumer reporting agency may continue to report information it has verified as accurate
  • Consumer reporting agencies may not report outdated negative information
  • In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old
  • Access to your file is limited
  • A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business
  • The FCRA specifies those with a valid need for access
  • You must give your consent for reports to be provided to employers
  • A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer
  • Written consent generally is not required in the trucking industry
  • For more information, go to www.consumerfinance.gov/learnmore
  • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report
  • Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form the lists these offers are based on
  • You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688)
  • The following FCRA right applies with respect to nationwide consumer reporting agencies:
  • CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
  • You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization
  • The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent
  • However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit
  • As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost
  • An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file
  • Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit
  • If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years
  • A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account
  • Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements
  • You may seek damages from violators
  • If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court
  • Identity theft victims and active duty military personnel have additional rights
  • For more information, visit www.consumerfinance.gov/learnmore
  • States may enforce the FCRA, and many states have their own consumer reporting laws
  • In some cases, you may have more rights under state law
  • For more information, contact your state or local consumer protection agency or your state Attorney General
  • For information about your federal rights, contact: 1.a
  • Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates b
  • Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: a
  • Consumer Financial Protection Bureau

Timeline

aaron

Federal Reserve Consumer Help Center, 1501 Farm Credit
- 09.2023

AppFolio, Inc
- 09.2023

Consumer Financial Protection Bureau

Estate Management LLC

carriers

O

Associate Deputy Administrator

Capital Access, United States Small Business Administration

S.W, Exchange Commission

Credit

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