CONSUMER RELATIONS CENTRE IMPORTANT!

3115 Harvester Road, Suite 201 The information contained in this report is personal and
Burlington Ontario L7N 3N8 confidential, intended solely for the use of the individual
Toll free: 1-800-663-9980 named. No other viewing or use is permitted or legal

www.transunion.ca

MOHAMED ABDELMON FAHMY

5 FABIAN AVE,
RICHMOND HILL ON
L4E 0E9
TU Case ID U11466
This information is designed to answer the most frequently asked questions of 5. WHAT IS A CREDIT SCORE?
personal credit reports. If, after reading the answers to these questions, you A credit score is an unbiased value that is used by creditors to predict the credit
believe changes should be made to your report, please make specific notations risk of those applying for credit. It is a score that takes into account all
of these changes on the attached Investigation request form. We will verify the information on your credit file and assigns an objective numerical value that
items indicated within approximately 30 days and will update your file to represents the risk of granting you credit. TransUnion provides the information
reflect, where appropriate, the new information received. You will be notified to create this score value.
with the results of our findings immediately after our investigation is completed.
Please note that we must contact the source of the disputed information before 6. DOES THE CREDIT REPORTING AGENCY DECIDE WHETHER I
any changes to your file can be made. We strongly suggest that you do not apply SHOULD BE GRANTED CREDIT?
for credit during the time an item on your file is being investigated. If, following No! In each case the credit grantor, based on its own requirements for extending
our investigation, we delete, amend or correct any information in the credit file, credit, makes the decision to grant, or decline the request for credit.
we will, as required by law, send notice to parties whom a report containing the TransUnion is not involved in this determination. Credit grantors extend credit
inaccurate information was given. If the investigation does not resolve your based upon their own policies and standards utilizing the information
dispute, you may choose to have a statement added to your file. Your statement TransUnion provides. These standards can vary from one creditor to another.
will be placed directly on your credit file and will provide credit grantors with
access to your explanation. A statement can be a maximum of 100 words within 7. WHO HAS ACCESS TO MY FILE?
Canada. Exception: 200 words within Saskatchewan. Your credit information can only be accessed by those agencies you give
consent to. A company must have a legitimate and permissible purpose for
1. WHAT IS A CREDIT REPORTING AGENCY? accessing your file such as: the extension of credit, employment, tenancy,
Credit reporting agencies help facilitate the process of granting consumers credit insurance or collection of debt.
in a timely manner. TransUnion collects and stores factual information about
your credit and financial history. Credit grantors provide credit reporting 8. WHEN DOES NEGATIVE INFORMATION COME OFF MY FILE?
agencies with factual information on how the credit grantors' customers pay It is TransUnion's policy to record all information for the maximum time
their bills. The credit reporting agency then assembles this information that is allowed by credit reporting legislation. For example, first-time bankruptcy
collected from each credit grantor and the credit reporting agency creates a information reports for 6 to 7 years from discharge date, depending on the
"credit file" based on this consolidated information. province. We encourage you to check your provincial legislation for full details
on the reporting periods for negative information.
2. HOW DID I BECOME PART OF TRANSUNION'S FILES?
Normally your first credit application, which results in a request for a credit 9. WHY IS A LOAN OR ACCOUNT I HAVE PAID OFF STILL IN MY
report, causes the creation of your credit record in our files. Once a record is CREDIT HISTORY?
established, credit information, such as payment history, supplied by your Your credit file is a record of how you have paid your past obligations.
creditors enables your file to be updated automatically. Therefore, information of paid accounts and the manner in which those
accounts were handled is included in your credit file and provides potential
3. IS THIS MY ENTIRE CREDIT FILE? credit grantors with the needed indication of your ability and willingness to
Not all credit grantors that you do business with will report their accounts to meet debt obligations.
credit reporting agencies due to the expense and time involved. As such, a
credit report is not necessarily a complete summary of all your finances. There 10. WHAT ARE THE DIFFERENT ACCOUNT RATINGS?
is also more than one credit reporting agency in Canada and a file containing
TYPES OF ACCOUNTS
information about your credit and financial history may also be maintained by a
source other than TransUnion. We would encourage you to contact them in O - Open Account (payment required in full)
order to review any credit file that may be held containing information relating R - Revolving or Option (30 days)
to you. I - Installment (fixed number of payments)
M - Mortgage
USUAL MANNER OF PAYMENT
4. WHAT IF I DO NOT AGREE WITH WHAT IS ON MY FILE?
The information reflected on your credit report is a direct extraction from the 0 - Too new to rate; approved, but not used
information provided to TransUnion by credit grantors, federal and provincial 1 - Pays (or paid) within 30 days of billing pays account as agreed
government offices and public registries. The details relating to manner of 2 - Pays (or paid) in more than 30 days, but not more than 60 days
payment, payment pattern and historical status reflect the reported manner in 3 - Pays (or paid) in more than 60 days but not more than 90 days
which you paid your accounts. TransUnion cannot alter the information 4 - Pays (or paid) in more than 90 days, but not more than 120 days
reported, unless it is determined to be incomplete or otherwise inaccurate. You 5 - Account is at least 120 days overdue but is not yet rated a "9"
have the right to dispute any information contained in your credit file and, at 7 - Making regular payments under a consolidation order or similar
your request, we will conduct an investigation to verify the disputed arrangement
information. 8 - Repossession
9 - Bad debt, placed for collection; skip
X - Unknown

End of Page 1
MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Information regarding your credit history was first reported to TransUnion on May 01, 2002 and was last reviewed by [*
CONSUMER DISCLOSURE *] on Jan 10, 2020 . The information in the remainder of this report represents the contents of
your file as of Jan 10, 2020 . Blank areas indicate that this information was not reported to TransUnion.

Personal Information:
This section includes your Surname, Given Name(s), Middle Name, notification if your Social Insurance Number is ON FILE and
Birth Date. Blank areas indicate that this information was not reported to TransUnion.
Surname Given Name(s) Middle Name Suffix Social Insurance No Birth Date

Your Information FAHMY MOHAMED ABDELMON ON FILE Feb 08, 1969

Cross Reference(s):
The information provides the details of any other names that you have been referenced by.

Type Surname Given Name(s) Middle Name Suffix

Alias MOHAMED FAHMY

Address(es):
This section lists all of the addresses on your file. Your most current Since date address is listed first.

Telephone
Address City Prov Postal Type Own Since
Associations
5 FABIAN AVE RICHMOND HILL ON L4E0E9 Home Dec 27, 2014

9 - 2835 RUE GOYER MONTRÉAL QC H3S1H2 Home Oct 27, 2009

504 1650 BOUL RENÉ LÉVESQUE
MONTRÉAL QC H3H2S1 Home Nov 26, 2008
O
4769 ARTHER D.D.O. QC H9G2M2 Home Jul 01, 2008

4 - 2305 RUE WELLINGTON MONTREAL QC H3K1X5 Home Sep 01, 2003 5149315772

1804 - 2100 RUE SAINT-MARC MONTREAL QC H3H2G6 Home Aug 01, 2002 5149315772
50 - 1650 BOUL RENE-LEVESQUE
MONTREAL QC H3H2S1 Home May 01, 2002
O
Employment(s):
This section lists all of the employments on your file with the most recent listed first.
Date Employer's Name, City and Province Occupation Start Date Finish Date Pay Pay Frequency

Nov 25, 2008 CONCORDIA UNI OTHER

Sep 15, 2005 CONCORDIA UNIVER

Aug 27, 2002 STUDENT CONCORDIA

Telephone Number(s):
This section lists all of the telephone numbers on your file:

Qualifier Number Extension Type Date

Home 4166197741 1 May 24, 2019

Home 4167882508 May 22, 2015

Work 5149315772 Sep 15, 2005

Home 5149315772 Sep 30, 2003

Home 5149315772 Aug 27, 2002

End of Page 2 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Account(s):
This section lists all the accounts that have been reported by various institutions with which you have established a credit
relationship. This section will also display up to 24 months of payment history details, if reported.
Creditor Name
AMERICAN EXPRESS CANADA Payment History
Reported Date Dec 16, 2009 Last Payment Date Jan 22, 2008 Terms: 0/M 30 60 90 #M
Opened Date Nov 24, 2005 Posted Date 0 0 0 48
Closed Date Nov 25, 2007 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2009 0 0 0 1 0 0 1900 0 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
BANK MONTREAL CREDIT CARD Payment History
Reported Date Jun 21, 2013 Last Payment Date Terms: 0/M 30 60 90 #M
Opened Date Apr 06, 2007 Posted Date Jun 24, 2013 0 0 0 75
Closed Date Jun 06, 2013 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jun 2013 0 0 0 1 0 0 7500 0 0 AC / CY
Legend: AC-Account closed/rating non derogatory, CY-Credit line closed

Creditor Name
CANADIAN TIRE BANK Payment History
Reported Date Oct 13, 2010 Last Payment Date Dec 04, 2007 Terms: 0/M 30 60 90 #M
Opened Date Sep 15, 2005 Posted Date 0 0 0 61
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2010 0 0 0 1 0 481 1800 0 0
Legend:

Creditor Name
CAPITAL ONE HBC - PLCC Payment History
Reported Date Feb 11, 2015 Last Payment Date Dec 27, 2007 Terms: 0/M 30 60 90 #M
Opened Date Jun 21, 2006 Posted Date Feb 17, 2015 0 0 0 108
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2015 0 0 0 1 0 191 10 0 0 IN /
Legend: IN-Inactive account

Creditor Name
CIBC CREDIT CARDS Payment History
Reported Date May 08, 2009 Last Payment Date May 08, 2009 Terms: 0/M 30 60 90 #M
Opened Date Feb 10, 2003 Posted Date 0 0 0 75
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2009 0 0 1 0 431 1000 0 AC /
Legend: AC-Account closed/rating non derogatory

Creditor Name
CITI CARDS CANADA/STAPLES Payment History
Reported Date Feb 03, 2014 Last Payment Date Nov 17, 2005 Terms: 0/M 30 60 90 #M
Opened Date May 02, 2004 Posted Date Feb 04, 2014 0 0 0 118
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2014 0 0 0 1 0 1598 4000 0 0 AC /
Legend: AC-Account closed/rating non derogatory

End of Page 3 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Creditor Name
DUO BANK OF CANADA - WALMART MC Payment History
Reported Date Dec 16, 2019 Last Payment Date Terms: 0/M 30 60 90 #M
Opened Date Aug 19, 2019 Posted Date Dec 17, 2019 0 0 0 4
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2019 0 0 0 1 0 0 3500 0 0
Nov 2019 0 0 0 1 0 0 3500 0 0
Oct 2019 0 0 0 1 0 0 3500 0 0
Sep 2019 0 0 0 1 0 0 3500 0 0
Legend:

Creditor Name
MBNA (MASTERCARD) Payment History
Reported Date Sep 12, 2011 Last Payment Date Terms: 0/M 30 60 90 #M
Opened Date Apr 26, 2006 Posted Date Sep 13, 2011 0 0 0 66
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Sep 2011 0 0 0 1 0 0 400 0 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
PRESIDENT'S CHOICE MASTERCARD Payment History
Reported Date Nov 05, 2014 Last Payment Date Jun 24, 2008 Terms: 0/M 30 60 90 #M
Opened Date Nov 25, 2005 Posted Date Nov 10, 2014 0 0 0 107
Closed Date Oct 20, 2014 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Nov 2014 0 0 0 1 0 5086 1000 0 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
ROYAL BANK OF CANADA Payment History
Reported Date Apr 30, 2012 Last Payment Date Apr 23, 2012 Terms: 0/M 30 60 90 #M
Opened Date May 14, 2004 Posted Date May 24, 2012 0 0 0 96
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2012 0 0 0 1 0 0 25000 0 0 AC /
Legend: AC-Account closed/rating non derogatory

Creditor Name
ROYAL BANK OF CANADA Payment History
Reported Date Feb 28, 2005 Last Payment Date Feb 01, 2005 Terms: 0/M 30 60 90 #M
Opened Date Aug 01, 2002 Posted Date 0 0 0 31
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2005 0 0 0 0 12610 PD / ST
Legend: PD-Paid, ST-Student loan

End of Page 4 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Creditor Name
ROYAL BANK OF CANADA VISA Payment History
Reported Date Dec 23, 2019 Last Payment Date Jun 03, 2004 Terms: 0/M 30 60 90 #M
Opened Date Jun 21, 2003 Posted Date Dec 25, 2019 0 0 0 199
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2019 0 0 0 1 0 425 1000 0 0
Nov 2019 0 0 0 1 0 425 1000 0 0
Oct 2019 0 0 0 1 0 425 1000 0 0
Sep 2019 0 0 0 1 0 425 1000 0 0
Aug 2019 0 0 0 1 0 425 1000 0 0
Jul 2019 0 0 0 1 0 425 1000 0 0
Jun 2019 0 0 0 1 0 425 1000 0 0
May 2019 0 0 0 1 0 425 1000 0 0
Apr 2019 0 0 0 1 0 425 1000 0 0
Mar 2019 0 0 0 1 0 425 1000 0 0
Feb 2019 0 0 0 1 0 425 1000 0 0
Jan 2019 0 0 0 1 0 425 1000 0 0
Dec 2018 0 0 0 1 0 425 1000 0 0
Nov 2018 0 0 0 1 0 425 1000 0 0
Oct 2018 0 0 0 1 0 425 1000 0 0
Sep 2018 0 0 0 1 0 425 1000 0 0
Aug 2018 0 0 0 1 0 425 1000 0 0
Jul 2018 0 0 0 1 0 425 1000 0 0
Jun 2018 0 0 0 1 0 425 1000 0 0
May 2018 0 0 0 1 0 425 1000 0 0
Apr 2018 0 0 0 1 0 425 1000 0 0
Mar 2018 0 0 0 1 0 425 1000 0 0
Feb 2018 0 0 0 1 0 425 1000 0 0
Jan 2018 0 0 0 1 0 425 1000 0 0
Legend:

Creditor Name
ROYAL BANK OF CANADA VISA Payment History
Reported Date Jun 27, 2013 Last Payment Date Sep 30, 2010 Terms: 0/M 30 60 90 #M
Opened Date May 18, 2004 Posted Date Jun 29, 2013 0 0 0 110
Closed Date Aug 30, 2010 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jun 2013 0 0 0 1 0 4236 7500 0 0 CZ /
Legend: CZ-Closed at consumer's request

End of Page 5 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Creditor Name
SCOTIABANK Payment History
Reported Date Dec 13, 2019 Last Payment Date Aug 25, 2019 Terms: 0/M 30 60 90 #M
Opened Date Jan 10, 2015 Posted Date Dec 14, 2019 0 0 0 55
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2019 0 0 1 0 1737 2000 0 0
Nov 2019 0 0 1 0 1737 2000 0 0
Oct 2019 0 0 1 0 1737 2000 0 0
Sep 2019 0 0 1 0 1737 2000 0 0
Aug 2019 0 0 1 0 1405 2000 0 0
Jul 2019 0 0 1 0 1405 2000 0 0
Jun 2019 0 0 1 0 1405 2000 0 0
May 2019 0 0 1 0 1405 2000 0 0
Apr 2019 0 0 1 0 1405 2000 0 0
Mar 2019 0 0 1 0 1405 2000 0 0
Feb 2019 0 0 1 0 1405 2000 0 0
Jan 2019 0 0 1 0 1405 2000 0 0
Dec 2018 0 0 1 0 1405 2000 0 0
Nov 2018 0 0 1 0 1405 2000 0 0
Oct 2018 0 0 1 0 1405 2000 0 0
Sep 2018 0 0 1 0 1405 2000 0 0
Aug 2018 0 0 1 0 1405 2000 0 0
Jul 2018 0 0 1 0 1405 2000 0 0
Jun 2018 0 0 1 0 1405 2000 0 0
May 2018 0 0 1 0 1405 2000 0 0
Apr 2018 0 0 1 0 1405 2000 0 0
Mar 2018 0 0 1 0 1405 2000 0 0
Feb 2018 0 0 1 0 1405 2000 0 0
Jan 2018 0 0 1 0 1405 2000 0 0
Legend:

Creditor Name
SCOTIABANK Payment History
Reported Date Jul 13, 2011 Last Payment Date Terms: 0/M 30 60 90 #M
Opened Date Oct 03, 2009 Posted Date 0 0 0 22
Closed Date Oct 03, 2009 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jul 2011 0 0 1 0 0 2200 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
SCOTIABANK Payment History
Reported Date Dec 17, 2009 Last Payment Date Dec 27, 2007 Terms: 0/M 30 60 90 #M
Opened Date Oct 22, 2005 Posted Date 0 0 0 50
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2009 0 0 1 0 611 4000 0 AC /
Legend: AC-Account closed/rating non derogatory

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Nov 30, 2012 Last Payment Date Oct 26, 2007 Terms: 0/M 30 60 90 #M
Opened Date Jan 03, 2006 Posted Date Dec 12, 2012 0 0 0 93
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Nov 2012 0 0 1 0 1043 1500 0 0 CZ /
Legend: CZ-Closed at consumer's request

End of Page 6 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Apr 01, 2007 Last Payment Date Mar 01, 2007 Terms: 0/M 30 60 90 #M
Opened Date Jan 01, 2006 Posted Date 0 0 0 28
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2007 0 0 1 0 714
Legend:

Creditor Name
TD CREDIT CARDS Payment History
Reported Date Feb 12, 2019 Last Payment Date Apr 04, 2008 Terms: 0/M 30 60 90 #M
Opened Date Sep 11, 2002 Posted Date Feb 13, 2019 0 0 0 198
Closed Date Jan 31, 2019 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2019 0 0 0 1 0 1843 3500 0 0 AC /
Jan 2019 0 0 0 1 0 1843 3500 0 0
Dec 2018 0 0 0 1 0 1843 3500 0 0
Nov 2018 0 0 0 1 0 1843 3500 0 0
Oct 2018 0 0 0 1 0 1843 3500 0 0
Sep 2018 0 0 0 1 0 1843 3500 0 0
Aug 2018 0 0 0 1 0 1843 3500 0 0
Jul 2018 0 0 0 1 0 1843 3500 0 0
Jun 2018 0 0 0 1 0 1843 3500 0 0
May 2018 0 0 0 1 0 1843 3500 0 0
Apr 2018 0 0 0 1 0 1843 3500 0 0
Mar 2018 0 0 0 1 0 1843 3500 0 0
Feb 2018 0 0 0 1 0 1843 3500 0 0
Jan 2018 X
Legend: AC-Account closed/rating non derogatory, X-Unknown

Creditor Name
WFF CORP CANADA Payment History
Reported Date May 31, 2009 Last Payment Date Feb 19, 2007 Terms: 0/M 30 60 90 #M
Opened Date Feb 24, 2006 Posted Date 0 0 0 40
Closed Date May 31, 2009 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2009 0 0 1 0 1000 1000 0 AC /
Legend: AC-Account closed/rating non derogatory

Bankruptcy and Bankruptcy Proposal:

This section lists bankruptcies and proposals in bankruptcy maintained on your file in compliance with provincial regulations.

End of Page 7 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Credit Related Inquiries:

When you apply for credit, companies may request your consent to access your credit report to assist in their decision. Each time
they request your report for credit-related purposes, an inquiry is listed on your file. These inquiries will be disclosed to other
companies viewing your credit file and may impact your credit score.

Date Authorized User's Name Telephone

Aug 19, 2019 DUO BANK OF CANADA - WALMART MC 8883316133
Sep 23, 2015 SCOTIABANK MC(FORMERLY CHASE SEA 8662864517
May 22, 2015 HB GENERAL SERVICING 8666407858
Jan 10, 2015 SCOTIABANK MC 8662864517
Apr 11, 2006 MBNA 8888716262
Feb 24, 2006 WFF CORP CANADA 8003875881

Non-Credit Related Inquiries and Account Review Inquiries

Non-credit related inquiries and account review inquiries, as well as your own requests to view your credit file, have no impact on
your credit score. Companies may, with consent or as authorized by law, access all or part of your credit information before
completing a transaction or entering into a relationship with you for purposes other than credit (non-credit related inquiries) and/or
to periodically review your credit file after establishing a relationship with you (account review inquiries). Companies perform
non-credit related and account review inquiries for such things as verifying your identity, collecting on a debt, employment or
tenancy screening, insurance underwriting, fraud detection, meeting regulatory requirements, account renewals, limit changes,
monitoring or for products and services offerings.

Non-credit related and account review inquiries may be used (without disclosing the details of such inquiries) by TransUnion to
provide fraud detection and monitoring, identity verification, alerts and analytical services to our customers and may be disclosed
to deliver products that you have requested through a direct-to-consumer reseller.

Non-Credit Related Inquiries:

Date Authorized User's Name Telephone
Jan 10, 2020 ONLINE CONSUMER DISCLOSURE AUTH. 8006639980
Jan 10, 2020 ONLINE CONSUMER DISCLOSURE 8006639980
May 07, 2015 STERLING TALENT SOLUTIONS 8664555982
Feb 24, 2015 STERLING TALENT SOLUTIONS 8664555982
Jan 08, 2015 STERLING TALENT SOLUTIONS 8664555982

Account Review Inquiries:

Date Authorized User's Name Telephone
Dec 27, 2019 DUO BANK OF CANADA - WALMART MC 8883316133
Dec 24, 2019 RBC ROYAL BANK 8007692599
Dec 18, 2019 BANK OF NOVA SCOTIA 4167017200
Nov 25, 2019 RBC ROYAL BANK 8007692599
Nov 06, 2019 BANK OF NOVA SCOTIA 4167017200
Oct 18, 2019 RBC ROYAL BANK 8007692599
Oct 07, 2019 BANK OF NOVA SCOTIA 4167017200
Sep 26, 2019 DUO BANK OF CANADA - WALMART MC 8883316133
Sep 23, 2019 RBC ROYAL BANK 8007692599
Aug 19, 2019 RBC ROYAL BANK 8007692599
Aug 08, 2019 BANK OF NOVA SCOTIA 4167017200
Aug 08, 2019 BANK OF NOVA SCOTIA 4167017200
Jul 22, 2019 RBC ROYAL BANK 8007692599
Jun 21, 2019 RBC ROYAL BANK 8007692599
Jun 10, 2019 BANK OF NOVA SCOTIA 4167017200
May 23, 2019 RBC ROYAL BANK 8007692599
Apr 18, 2019 RBC ROYAL BANK 8007692599
Apr 05, 2019 BANK OF NOVA SCOTIA 4167017200
Apr 03, 2019 BANK OF NOVA SCOTIA 4167017200
Mar 25, 2019 RBC ROYAL BANK 8007692599
Feb 21, 2019 RBC ROYAL BANK 8007692599

End of Page 8 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Date Authorized User's Name Telephone

Feb 05, 2019 BANK OF NOVA SCOTIA 4167017200
Jan 22, 2019 RBC ROYAL BANK 8007692599
Dec 12, 2018 RBC ROYAL BANK 8007692599

*** This completes the report for MOHAMED FAHMY ***

End of Page 9 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

End of Page 10 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

CONSUMER RELATIONS CENTRE TU Case ID U11466

3115 Harvester Road, Suite 201 Contact Information
Burlington Ontario Telephone: 1-800-663-9980
L7N 3N8 www.transunion.ca

Authentication Reference 52701408

INVESTIGATION REQUEST FORM

Please Note: This form is only to be returned to TransUnion if you wish to dispute information on your
credit file.
The following information is gathered to assist in verifying your dispute. Please ensure to supply the
required information and complete the authorization on the back of the form.
Consumer's Name Social Insurance Number (Optional)
FAHMY MOHAMED ABDELMON
Last First Middle Jr/Sr
Current Address Previous Address
9-2835 RUE GOYER,
5 FABIAN AVE,
Number & Street
Number & Street
MONTRÉAL QC H3S 1H2
RICHMOND HILL ON L4E 0E9 Apartment City Prov/Postal
Apartment City Prov/Postal
Would you like your investigation notification
Date of Birth Emailed or Mailed
Feb 08, 1969
Email Address
If any of the personal information supplied
Employment (optional)
on this form is not listed in my credit file, I
CONCORDIA UNI
request that it be incorporated into
TransUnion's file Yes
Home Phone (optional) No
(416)-619-7741

Signature of Consumer (required) Date

IF YOU DISAGREE WITH ACCURACY OR COMPLETENESS OF YOUR INFORMATION, PLEASE NOTE BELOW. USE
ADDITIONAL PAPER IF NECESSARY, ENSURING THAT EACH ADDITIONAL PAGE CONTAINS YOUR SIGNATURE.
Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

End of Page 11 Trans Union of Canada, Inc.

MOHAMED ABDELMON FAHMY , U11466 Friday 10 January 2020 18:30

Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

ADDITIONAL COMMENTS

To investigate your dispute we will contact the source of the disputed information by phone and/or fax. Each source will
be advised as to the nature of your dispute and will be requested to verify the accuracy and/or the completeness of the
information they reported. If our investigation does not resolve your dispute you may add an explanation statement to
your report. All provinces allow a statement added of up to 100 words, except Saskatchewan - 200 words. If you would
like to add a statement, please print the statement on a separate sheet of paper and attach it to this form.
**RETURN THIS FORM TO THE ADDRESS LISTED AT THE TOP OF YOUR REPORT**
If your credit report changes after our investigation, or if a consumer statement is added, an amended report will be sent according
to provincial guidelines to companies in receipt of your credit file. We recommend that you do not apply for credit while your
dispute is pending.
I HAVE READ AND UNDERSTOOD THE ABOVE STATEMENTS AND HAVE PROVIDED INFORMATION THAT
IS, TO THE BEST OF MY KNOWLEDGE, TRUE AND ACCURATE. I AUTHORIZE YOU TO FOLLOW THE
PROCEDURES OUTLINED ABOVE IN AN ATTEMPT TO VERIFY THE INFORMATION THAT I AM DISPUTING.

Signature Date

End of Page 12 Trans Union of Canada, Inc.