Credit Bureau of Columbus, Inc

Text (OCR of the scan at left; may contain errors)

Is THE | Marr OF THE CREDIT. BUREAU. OF “COLUMBUS, ING, Sy AL. CONSENT ORDER, my CERAL TRADE.

ETC., IN REGARD, TO, THE ALLEGED ‘VIOLATION. OF THE _FED- [MISSION - “AND ) THE FAIR CREDIT. REPORTING. ACTS : ny Docket C2393: ‘Complaint, ‘Dee. 4, 19712-Decision, Dee. Consent order requiring ‘five affiliated midwestern credit bureaus, located in Ohio and Indiana, among other things to cease ‘violating the Fair Credit Reporting Act by: failing to require users of consumer reports to identify themselves and certify in “writing the: purpose for which the information is ‘sought and not used for any other purpose; failing. to incorporate: into: ceontracts that information will be requested only for the prospective user’s. exclusive :use-in connection with the extension of credit, employment, ‘insurance, governmental . use, or other legitimate businéss’ transaction involving the consumer; failing to’ require non-consumer credit customers to furnish required information ; . failing to forbid employees from. obtaining reports On, themselves or asso~ ' ciates; and failing to cease doing business with. any: user’ of reports who does not follow the procedures Specified, by. the order. : ve Conerarwn Parstant to the provisions of the Fair Credit Reporting Act, and the Federal Trade Commission’ Act, and by virtue of the authority vested in it by said Acts, the Federal Trade Commission, having reason to believe that The Credit’ Bureau of Columbus, Inc., The. Credit ‘Bureau of Mansfield, Inc., The Credit Bureau of Marion, Inc, The ‘Credit Bureau of Newark, Inc., and The Credit Bureau of South Bend, ‘Inc., corporations, and William B. Price, and William’ H. Price, individually and as officers and /or directors and/or managers ‘of said CREDIT BUREAU “OF “COLUMBUS, ING:i;-ET: AL. £939 988°. 2S Complaint ‘corporations, or any of them, hereinafter referred to’ as respondents, have violated the provisions of said’ Acts, and it-appearing tothe' Commission that a proceeding by it in respéct thereof would be in the. public ‘interest, hereby issues its.complaint stating its charges in that respect as follows: . a ms ne ~~. Paracrapy 1: Respondent The Credit Bureau of Columbus, Inc., isa corporations 1 3 1 3 2 895 907 182 62 86.307800 organized,5 1 3 1 3 3 1098 919 151 44 96.001846 existing5 1 3 1 3 4 1258 922 70 32 96.889221 ands 1 3 1 3 5 1339 922 104 43 77.626900 doing5 1 3 1 3 6 1458 923 150 33 96.543839 business5 1 3 1 3 7 1619 924 108 33 96.543839 under5 1 3 1 3 8 1738 921 74 37 95.726608 ands 1 3 1 3 9 1819 920 44 49 96.771477 by5 1 3 1 3 10 1875 923 112 37 96.771477 virtue4 1 3 1 4 0 647 963 1341 56 -1 5 1 3 1 4 1 647 965 55 31 69.432220 of5 1 3 1 4 2 718 965 58 32 88.361061 thes 1 3 1 4 3 792 966 75 34 88.361061 laws5 1 3 1 4 4 888 963 38 36 96.995979 of5 1 3 1 4 5 943 968 60 33 96.941681 thes 1 3 1 4 6 1017 964 100 38 96.519463 States 1 3 1 4 7 1133 965 38 37 96.279564 of5 1 3 1 4 8 1179 965 108 47 96.279564 Ohio,5 1 3 1 4 9 1303 968 85 36 96.801613 with5 1 3 1 4 10 1403 973 47 32 96.901772 its5 1 3 1 4 11 1462 972 178 45 96.747696 principals 1 3 1 4 12 1648 969 96 39 92.744141 offices 1 3 1 4 13 1755 972 179 47 84.920334 and:places 1 3 1 4 14 1945 971 43 39 94.897133 of4 1 3 1 5 0 645 1013 1342 57 -1 5 1 3 1 5 1 645 1013 173 35 70.661057 “business5 1 3 1 5 2 826 1017 133 33 91.905869 located5 1 3 1 5 3 967 1022 42 28 96.922661 at5 1 3 1 5 4 1021 1016 66 36 93.265480 1705 1 3 1 5 5 1095 1017 207 37 35.115295 East’'Towns 1 3 1 5 6 1315 1022 124 42 91.025375 Street,5 1 3 1 5 7 1469 1009 181 65 55.040070 Columbus,5 1 3 1 5 8 1670 1009 94 65 55.040070 Ohio.5 1 3 1 5 9 1780 1028 73 31 96.908539 Thes 1 3 1 5 10 1859 1022 128 48 96.442352 Credit4 1 3 1 6 0 662 1065 1324 55 -1 5 1 3 1 6 1 662 1065 200 35 96.742233 Bureaus 1 3 1 6 2 815 1061 43 63 96.742233 of5 1 3 1 6 3 870 1067 284 43 96.811584 Columbus,5 1 3 1 6 4 1083 1061 79 63 96.618568 Inc.5 1 3 1 6 5 1171 1082 94 22 96.719681 owns5 1 3 1 6 6 1276 1068 74 39 81.642181 ‘ands 1 3 1 6 7 1365 1061 149 63 96.154854 operates5 1 3 1 6 8 1529 1061 81 63 38.733688 five’5 1 3 1 6 9 1623 1076 53 42 38.733688 (5)5 1 3 1 6 10 1698 1073 288 47 42.907021 wniticorporatéd4 1 3 1 7 0 649 1115 1337 54 -1 5 1 3 1 7 1 649 1115 179 34 90.215103 -divisions5 1 3 1 7 2 846 1111 104 62 96.834724 known5 1 3 1 7 3 974 1130 38 22 96.896729 as5 1 3 1 7 4 1021 1121 81 31 96.616943 Thes 1 3 1 7 5 1108 1121 123 37 95.838234 Credits 1 3 1 7 6 1241 1124 191 33 74.570587 Bureaus 1 3 1 7 7 1394 1111 37 62 74.570587 of5 1 3 1 7 8 1443 1126 195 43 87.610695 Delaware,5 1 3 1 7 9 1644 1127 133 33 87.610695 located5 1 3 1 7 10 1789 1131 37 29 91.514946 at5 1 3 1 7 11 1839 1130 147 33 91.030144 11.West4 1 3 1 8 0 640 1166 1347 55 -1 5 1 3 1 8 1 640 1184 3 2 0.000000 ’5 1 3 1 8 2 660 1166 136 34 96.749138 Winters 1 3 1 8 3 812 1166 124 44 96.794350 Street,5 1 3 1 8 4 952 1169 190 45 95.772049 Delaware,5 1 3 1 8 5 1149 1171 128 44 95.772049 Ohio;5 1 3 1 8 6 1287 1175 74 32 96.976112 Thes 1 3 1 8 7 1377 1174 128 35 93.189529 Credits 1 3 1 8 8 1513 1173 194 38 44.425850 Bureau:of5 1 3 1 8 9 1722 1179 265 42 96.945450 Bellefontaine,4 1 3 1 9 0 661 1217 1326 53 -1 5 1 3 1 9 1 661 1217 131 33 93.234383 located5 1 3 1 9 2 806 1222 108 30 33.395988 at'1115 1 3 1 9 3 928 1220 113 34 93.279846 South5 1 3 1 9 4 1053 1222 179 33 93.019272 Madriver5 1 3 1 9 5 1245 1224 125 42 96.887810 Street,5 1 3 1 9 6 1381 1226 265 43 96.774246 Bellefontaine,5 1 3 1 9 7 1658 1229 92 33 96.991760 Ohio5 1 3 1 9 8 1757 1235 12 35 92.492310 ;5 1 3 1 9 9 1779 1223 74 39 96.508308 Thes 1 3 1 9 10 1864 1229 123 39 96.628349 Credit4 1 3 1 10 0 645 1267 1337 55 -1 5 1 3 1 10 1 645 1267 153 33 42.567322 ‘Bureaus 1 3 1 10 2 814 1269 40 32 95.997055 of5 1 3 1 10 3 869 1268 159 46 96.601151 Urbana,5 1 3 1 10 4 1038 1269 133 38 95.961655 located5 1 3 1 10 5 1188 1277 36 29 91.600739 at5 1 3 1 10 6 1227 1271 75 36 91.600739 2125 1 3 1 10 7 1318 1271 119 38 96.310051 South5 1 3 1 10 8 1447 1277 242 42 24.358025 MainStreet;5 1 3 1 10 9 1700 1274 156 46 96.721840 Urbana,5 1 3 1 10 10 1875 1276 107 46 96.433380 Ohio;4 1 3 1 11 0 643 1317 1342 54 -1 5 1 3 1 11 1 643 1317 98 33 92.859665 ‘Thes 1 3 1 11 2 753 1319 126 33 76.263618 Credit.5 1 3 1 11 3 894 1321 139 38 95.086578 Bureaus 1 3 1 11 4 1045 1320 58 35 93.770676 of5 1 3 1 11 5 1111 1324 145 43 94.574783 Fayette5 1 3 1 11 6 1276 1325 147 44 96.721413 County,5 1 3 1 11 7 1443 1328 132 32 96.786995 located5 1 3 1 11 8 1585 1324 46 37 86.888763 at5 1 3 1 11 9 1643 1329 114 42 2.315903 132145 1 3 1 11 10 1769 1328 90 36 89.469391 East5 1 3 1 11 11 1869 1331 116 34 89.469391 Court4 1 3 1 12 0 659 1366 1325 56 -1 5 1 3 1 12 1 659 1367 124 43 85.074760 Street,5 1 3 1 12 2 794 1366 243 47 85.074760 Washington5 1 3 1 12 3 1047 1370 109 43 93.272652 Courts 1 3 1 12 4 1170 1371 254 48 34.645729 House,.Ohio;5 1 3 1 12 5 1444 1379 65 31 94.971100 ands 1 3 1 12 6 1529 1379 100 32 94.971100 Allen5 1 3 1 12 7 1645 1379 135 43 96.623344 County5 1 3 1 12 8 1795 1376 189 39 94.548164 Collection4 1 3 1 13 0 642 1418 1264 57 -1 5 1 3 1 13 1 642 1418 208 44 26.868362 Company,5 1 3 1 13 2 861 1421 143 34 81.230103 located5 1 3 1 13 3 1015 1420 40 35 77.677345 at5 1 3 1 13 4 1062 1422 74 35 60.489822 4245 1 3 1 13 5 1142 1422 170 36 91.985870 National5 1 3 1 13 6 1336 1414 88 65 96.365044 Banks 1 3 1 13 7 1445 1414 177 65 94.585793 Building;5 1 3 1 13 8 1637 1425 114 50 96.579697 Lima,5 1 3 1 13 9 1759 1431 104 34 30.510323 Ohio.5 1 3 1 13 10 1873 1437 33 20 30.510323 °°5 1 3 1 13 11 1927 1437 34 18 44.301750 >”4 1 3 1 14 0 664 1467 1319 57 -1 5 1 3 1 14 1 641 1479 25 9 39.350601 ~.5 1 3 1 14 2 691 1467 233 44 83.788361 ‘Respondents 1 3 1 14 3 934 1473 82 32 96.787155 ‘Thes 1 3 1 14 4 1028 1463 134 61 74.685913 Credit’5 1 3 1 14 5 1185 1463 118 61 86.926147 Bureaus 1 3 1 14 6 1321 1477 41 32 96.872444 of5 1 3 1 14 7 1377 1475 193 44 86.067619 Mansfield,5 1 3 1 14 8 1579 1480 90 40 58.535339 Ine:5 1 3 1 14 9 1678 1475 74 42 73.962013 isa5 1 3 1 14 10 1765 1477 218 47 96.332253 corporation4 1 3 1 15 0 662 1516 1322 56 -1 5 1 3 1 15 1 662 1516 195 47 96.738800 organized,5 1 3 1 15 2 880 1521 371 47 63.031948 existing’5 1 3 1 15 3 1058 1512 54 64 63.031948 ands 1 3 1 15 4 1132 1521 130 47 74.288872 ‘doing:5 1 3 1 15 5 1273 1524 152 36 87.026619 business5 1 3 1 15 6 1446 1530 208 33 10.190590 under’and:5 1 3 1 15 7 1668 1531 46 41 68.242813 by5 1 3 1 15 8 1734 1527 250 39 67.915192 virtue-of5 1 3 1 15 9 1922 1512 64 64 61.584881 tle4 1 3 1 16 0 661 1569 1334 59 -1 5 1 3 1 16 1 661 1569 83 33 96.623993 laws5 1 3 1 16 2 756 1571 38 32 96.623993 of5 1 3 1 16 3 806 1572 60 32 96.521202 thes 1 3 1 16 4 878 1572 98 34 97.002502 States 1 3 1 16 5 983 1571 45 34 97.004074 of5 1 3 1 16 6 1039 1575 103 41 96.939972 Ohio,5 1 3 1 16 7 1154 1576 86 32 96.981339 with5 1 3 1 16 8 1251 1578 46 32 96.963280 its5 1 3 1 16 9 1313 1565 166 62 0.000000 principals 1 3 1 16 10 1488 1565 94 62 0.000000 offices 1 3 1 16 11 1591 1581 71 32 95.811073 ands 1 3 1 16 12 1669 1577 153 46 69.304398 ‘places 1 3 1 16 13 1778 1565 37 62 92.831520 of5 1 3 1 16 14 1830 1577 153 39 26.558311 busitiéss5 1 3 1 16 15 1993 1626 2 2 20.318359 .4 1 3 1 17 0 641 1620 1344 51 -1 5 1 3 1 17 1 641 1620 152 33 61.939503 located5 1 3 1 17 2 798 1626 48 28 89.073395 ‘at5 1 3 1 17 3 856 1621 43 34 89.073395 285 1 3 1 17 4 911 1624 104 32 50.957355 Parks 1 3 1 17 5 1019 1623 152 43 50.957355 Avenue,5 1 3 1 17 6 1177 1628 114 42 68.931396 West,5 1 3 1 17 7 1317 1616 180 60 94.417625 Mansfield;5 1 3 1 17 8 1517 1627 96 38 92.060974 Ohio:5 1 3 1 17 9 1637 1632 69 32 33.001762 The:5 1 3 1 17 10 1717 1616 115 60 33.001762 Credits 1 3 1 17 11 1840 1628 145 38 57.392651 Bureau’4 1 3 1 18 0 659 1671 1320 60 -1 5 1 3 1 18 1 659 1671 40 31 96.846138 of5 1 3 1 18 2 713 1672 194 42 93.269020 Mansfield,5 1 3 1 18 3 919 1674 84 42 92.095032 Inc.,5 1 3 1 18 4 1016 1677 176 32 83.214127 owns:ands 1 3 1 18 5 1205 1683 157 36 96.543350 operates5 1 3 1 18 6 1371 1677 67 35 96.543350 ones 1 3 1 18 7 1457 1681 62 42 93.609566 (1)5 1 3 1 18 8 1529 1673 292 56 95.448608 unincorporated.5 1 3 1 18 9 1832 1684 147 47 96.248436 division4 1 3 1 19 0 659 1721 1320 51 -1 5 1 3 1 19 1 659 1721 124 34 96.015488 known5 1 3 1 19 2 803 1734 37 21 96.997032 as5 1 3 1 19 3 859 1725 72 32 96.605614 Thes 1 3 1 19 4 951 1725 121 33 96.574188 Credits 1 3 1 19 5 1090 1726 143 35 96.443100 Bureaus 1 3 1 19 6 1246 1729 40 32 96.408508 of5 1 3 1 19 7 1303 1730 169 42 96.619019 Ashland,5 1 3 1 19 8 1492 1728 131 36 96.406036 located5 1 3 1 19 9 1641 1732 36 32 71.619751 at5 1 3 1 19 10 1697 1736 63 31 45.490536 159:5 1 3 1 19 11 1771 1728 96 39 89.396416 West5 1 3 1 19 12 1884 1729 95 38 96.306366 Main4 1 3 1 20 0 658 1771 1150 45 -1 5 1 3 1 20 1 658 1771 124 44 95.343452 Street,5 1 3 1 20 2 794 1775 169 41 95.343452 Ashland,5 1 3 1 20 3 979 1777 100 33 44.435555 Ohio.5 1 3 1 20 4 1152 1779 3 3 39.990166 ~5 1 3 1 20 5 1430 1781 378 28 9.095345 COs4 1 3 1 21 0 693 1822 1284 55 -1 5 1 3 1 21 1 635 1822 290 43 25.591667 ‘Respondents 1 3 1 21 2 942 1827 74 31 95.148216 Thes 1 3 1 21 3 1037 1827 122 33 82.036514 Credits 1 3 1 21 4 1168 1827 150 36 82.036514 Bureaus 1 3 1 21 5 1339 1832 40 31 96.949249 of5 1 3 1 21 6 1394 1828 153 46 90.581467 Marion,5 1 3 1 21 7 1563 1828 95 47 65.379074 ‘Inc.,5 1 3 1 21 8 1668 1834 34 32 96.192299 is5 1 3 1 21 9 1717 1833 31 33 55.404896 a’5 1 3 1 21 10 1757 1830 220 47 48.117172 corporation4 1 3 1 22 0 643 1874 1336 58 -1 5 1 3 1 22 1 643 1874 212 42 77.970268 Organized,5 1 3 1 22 2 877 1876 149 43 95.966805 existing5 1 3 1 22 3 1048 1878 70 33 90.436943 ands 1 3 1 22 4 1140 1879 107 43 90.436943 doing5 1 3 1 22 5 1265 1881 156 33 96.237206 business5 1 3 1 22 6 1442 1884 110 32 96.609161 under5 1 3 1 22 7 1573 1884 68 33 89.477425 ands 1 3 1 22 8 1653 1886 49 41 89.477425 -by5 1 3 1 22 9 1717 1881 132 38 65.546181 ‘virtues 1 3 1 22 10 1862 1887 39 32 96.952843 of5 1 3 1 22 11 1922 1889 57 43 96.389900 thea 1 3 1 23 0 658 1923 1320 55 -1 5 1 3 1 23 1 658 1923 83 34 96.055901 laws5 1 3 1 23 2 754 1925 39 32 96.944725 of5 1 3 1 23 3 805 1926 58 32 96.878052 thes 1 3 1 23 4 876 1926 100 34 96.851486 States 1 3 1 23 5 985 1927 42 33 91.241104 of5 1 3 1 23 6 1047 1926 94 45 84.813072 Ohio,5 1 3 1 23 7 1158 1930 65 33 84.813072 with5 1 3 1 23 8 1244 1929 48 35 95.476486 its5 1 3 1 23 9 1299 1930 178 45 95.476486 principals 1 3 1 23 10 1488 1919 90 63 32.669838 offices 1 3 1 23 11 1593 1919 54 63 96.731789 ands 1 3 1 23 12 1670 1932 147 46 96.521591 places 1 3 1 23 13 1777 1919 38 63 75.164375 of5 1 3 1 23 14 1827 1932 151 39 94.570366 business4 1 3 1 24 0 656 1974 1149 51 -1 5 1 3 1 24 1 656 1974 132 34 96.732468 located5 1 3 1 24 2 799 1980 37 29 94.162376 at5 1 3 1 24 3 847 1980 59 30 94.162376 1425 1 3 1 24 4 917 1979 87 32 94.542038 East5 1 3 1 24 5 1015 1980 125 33 96.602417 Centers 1 3 1 24 6 1150 1981 124 42 96.770508 Street,5 1 3 1 24 7 1285 1983 148 42 96.820023 Marion,5 1 3 1 24 8 1445 1984 100 34 96.417435 Ohio.5 1 3 1 24 9 1734 1989 71 9 0.000000 mS4 1 3 1 25 0 699 2026 1277 55 -1 5 1 3 1 25 1 699 2026 221 42 80.882050 Respondents 1 3 1 25 2 936 2029 79 33 95.851913 Thes 1 3 1 25 3 1034 2031 121 32 96.327919 Credits 1 3 1 25 4 1176 2032 146 33 92.417480 Bureaus 1 3 1 25 5 1334 2034 40 32 74.918015 of5 1 3 1 25 6 1394 2036 157 40 96.286705 Newark,5 1 3 1 25 7 1573 2037 81 40 80.241539 Inc.,5 1 3 1 25 8 1674 2037 28 33 96.490845 is5 1 3 1 25 9 1723 2049 19 21 96.490845 a5 1 3 1 25 10 1762 2040 214 41 96.422684 corporation4 1 3 1 26 0 657 2077 1320 57 -1 5 1 3 1 26 1 657 2077 194 41 96.445190 organized,5 1 3 1 26 2 869 2079 155 43 96.459450 existing5 1 3 1 26 3 1046 2082 74 31 96.269325 ands 1 3 1 26 4 1138 2082 108 43 96.553802 doing5 1 3 1 26 5 1267 2084 152 33 96.553802 business5 1 3 1 26 6 1441 2086 110 33 96.761765 under5 1 3 1 26 7 1571 2083 69 36 96.895737 ands 1 3 1 26 8 1661 2088 45 43 96.634102 by5 1 3 1 26 9 1727 2089 113 45 96.270470 virtues 1 3 1 26 10 1861 2091 38 31 96.697075 of5 1 3 1 26 11 1920 2091 57 32 96.697075 thea 1 3 1 27 0 655 2127 1321 55 -1 5 1 3 1 27 1 655 2127 84 32 96.990677 laws5 1 3 1 27 2 751 2127 40 33 96.910400 of5 1 3 1 27 3 802 2129 58 32 96.919151 thes 1 3 1 27 4 873 2128 98 35 96.762947 States 1 3 1 27 5 982 2131 40 32 96.762947 of5 1 3 1 27 6 1034 2131 102 42 96.981232 Ohio,5 1 3 1 27 7 1147 2133 85 33 96.900612 with5 1 3 1 27 8 1245 2133 47 34 96.984329 its5 1 3 1 27 9 1303 2136 172 42 96.559341 principals 1 3 1 27 10 1487 2137 92 33 96.087524 offices 1 3 1 27 11 1589 2139 69 31 96.087524 ands 1 3 1 27 12 1670 2139 97 43 96.401268 places 1 3 1 27 13 1775 2141 40 31 96.408829 of5 1 3 1 27 14 1822 2141 154 33 96.392960 business4 1 3 1 28 0 654 2177 1252 51 -1 5 1 3 1 28 1 654 2177 132 35 96.690704 located5 1 3 1 28 2 797 2183 36 29 96.259453 at5 1 3 1 28 3 843 2181 60 40 66.835838 4145 1 3 1 28 4 911 2179 117 35 96.520035 North5 1 3 1 28 5 1040 2181 134 35 96.955551 Seconds 1 3 1 28 6 1184 2184 125 42 95.677490 Street,5 1 3 1 28 7 1321 2187 156 41 94.898422 Newark,5 1 3 1 28 8 1489 2183 100 38 93.138939 Ohio.5 1 3 1 28 9 1608 2211 2 2 24.868248 .5 1 3 1 28 10 1632 2211 2 2 8.205734 -5 1 3 1 28 11 1760 2187 146 24 6.570900 ee.4 1 3 1 29 0 697 2229 1276 60 -1 5 1 3 1 29 1 697 2229 220 41 96.662094 Respondents 1 3 1 29 2 929 2232 75 32 96.980530 Thes 1 3 1 29 3 1015 2232 121 34 96.602585 Credits 1 3 1 29 4 1149 2235 139 33 96.985428 Bureaus 1 3 1 29 5 1298 2236 39 33 96.757202 of5 1 3 1 29 6 1353 2236 100 34 88.323700 South5 1 3 1 29 7 1473 2225 97 60 88.323700 Bend,5 1 3 1 29 8 1593 2239 82 42 87.086235 Inc.,5 1 3 1 29 9 1688 2236 28 37 89.875183 is5 1 3 1 29 10 1728 2253 20 20 89.875183 a5 1 3 1 29 11 1758 2236 215 53 96.275406 corporation4 1 3 1 30 0 655 2280 1320 58 -1 5 1 3 1 30 1 655 2280 195 42 96.857712 organized,5 1 3 1 30 2 872 2281 150 45 96.605034 existing5 1 3 1 30 3 1044 2284 69 33 96.237946 ands 1 3 1 30 4 1135 2285 108 44 96.237946 doing5 1 3 1 30 5 1264 2286 153 34 96.499878 business5 1 3 1 30 6 1441 2289 104 33 61.603771 under5 1 3 1 30 7 1565 2291 68 32 90.377151 ands 1 3 1 30 8 1659 2292 45 42 96.968079 by5 1 3 1 30 9 1724 2286 113 40 96.700485 virtues 1 3 1 30 10 1858 2289 39 37 96.145462 of5 1 3 1 30 11 1915 2295 60 43 96.145462 thea 1 3 1 31 0 631 2330 1345 56 -1 5 1 3 1 31 1 631 2330 107 33 13.950569 laws5 1 3 1 31 2 759 2331 39 32 93.255096 of5 1 3 1 31 3 818 2332 178 36 72.302559 the.States 1 3 1 31 4 1017 2334 39 32 96.639618 of5 1 3 1 31 5 1077 2335 160 42 96.873642 Indiana,5 1 3 1 31 6 1258 2337 85 33 96.925262 with5 1 3 1 31 7 1365 2338 46 33 96.940926 its5 1 3 1 31 8 1428 2340 175 42 96.918419 principals 1 3 1 31 9 1623 2342 90 33 96.480141 offices 1 3 1 31 10 1732 2338 58 37 81.860680 ands 1 3 1 31 11 1813 2345 101 41 73.243790 places 1 3 1 31 12 1938 2338 38 39 95.466621 of4 1 3 1 32 0 654 2380 1273 61 -1 5 1 3 1 32 1 654 2376 144 59 93.380783 business5 1 3 1 32 2 817 2376 133 59 68.819183 located5 1 3 1 32 3 971 2388 37 28 95.604591 at5 1 3 1 32 4 1024 2388 62 29 95.604591 3125 1 3 1 32 5 1101 2387 96 33 86.090202 West5 1 3 1 32 6 1220 2388 122 33 95.951538 Colfax5 1 3 1 32 7 1367 2390 99 41 95.951538 Road,5 1 3 1 32 8 1485 2391 116 34 96.401871 South5 1 3 1 32 9 1614 2393 108 41 95.130798 Bend,5 1 3 1 32 10 1738 2394 160 47 90.500450 Indiana.5 1 3 1 32 11 1925 2399 2 2 28.898216 —4 1 3 1 33 0 695 2432 1278 51 -1 5 1 3 1 33 1 695 2432 221 42 94.177971 Respondents 1 3 1 33 2 931 2435 159 34 93.217384 Williams 1 3 1 33 3 1104 2437 44 33 92.729912 B.5 1 3 1 33 4 1168 2438 101 33 97.001923 Prices 1 3 1 33 5 1287 2439 29 32 95.676247 is5 1 3 1 33 6 1334 2449 21 23 95.676247 a5 1 3 1 33 7 1372 2439 164 44 96.117371 managers 1 3 1 33 8 1553 2439 45 36 96.568810 of5 1 3 1 33 9 1609 2444 74 32 96.692680 Thes 1 3 1 33 10 1703 2438 118 40 85.605453 Crédit5 1 3 1 33 11 1846 2440 127 39 96.480011 Bureau4 1 3 1 34 0 652 2482 1322 61 -1 5 1 3 1 34 1 652 2482 40 32 96.747185 of5 1 3 1 34 2 709 2483 196 43 93.285118 Columbus,5 1 3 1 34 3 922 2486 83 40 92.926437 Inc.,5 1 3 1 34 4 1021 2487 70 32 96.980675 ands 1 3 1 34 5 1108 2486 47 34 96.994041 an5 1 3 1 34 6 1166 2489 111 32 96.909546 officers 1 3 1 34 7 1292 2491 40 31 96.181732 of5 1 3 1 34 8 1347 2491 75 33 96.941849 Thes 1 3 1 34 9 1438 2492 125 33 92.066017 Credit:5 1 3 1 34 10 1574 2494 137 34 90.798019 Buréau5 1 3 1 34 11 1723 2496 46 32 96.986748 of5 1 3 1 34 12 1780 2487 194 56 95.196556 Mansfield,4 1 3 1 35 0 634 2533 1340 60 -1 5 1 3 1 35 1 634 2533 101 41 0.000000 Inc.,5 1 3 1 35 2 754 2536 79 31 90.506500 Thes 1 3 1 35 3 847 2536 120 33 95.658768 Credits 1 3 1 35 4 978 2536 145 35 93.934891 Bureaus 1 3 1 35 5 1136 2539 44 33 96.295090 of5 1 3 1 35 6 1189 2539 156 44 93.165268 Marion,5 1 3 1 35 7 1364 2542 82 41 92.666008 Inc.,5 1 3 1 35 8 1465 2544 70 32 69.336777 and’5 1 3 1 35 9 1550 2545 75 32 71.350166 Thes 1 3 1 35 10 1642 2545 121 34 96.828354 Credits 1 3 1 35 11 1779 2548 139 45 52.652172 Bureaus 1 3 1 35 12 1935 2548 39 33 96.077187 of4 1 3 1 36 0 653 2584 1319 55 -1 5 1 3 1 36 1 653 2584 164 42 92.848732 Newark,5 1 3 1 36 2 831 2587 82 40 84.228500 Inc.,5 1 3 1 36 3 934 2588 69 32 96.776871 ands 1 3 1 36 4 1022 2600 21 20 96.011612 a5 1 3 1 36 5 1062 2588 149 34 95.677666 directors 1 3 1 36 6 1230 2591 49 32 95.677666 of5 1 3 1 36 7 1288 2593 75 32 96.341209 Thes 1 3 1 36 8 1381 2593 121 33 96.151398 Credits 1 3 1 36 9 1520 2591 138 38 95.566216 Bureaus 1 3 1 36 10 1676 2597 39 32 96.645409 of5 1 3 1 36 11 1734 2591 118 40 87.074654 South5 1 3 1 36 12 1862 2593 110 46 90.936562 Bend,4 1 3 1 37 0 642 2635 1330 60 -1 5 1 3 1 37 1 642 2635 81 33 83.177254 ‘Inc.5 1 3 1 37 2 745 2635 220 43 46.298523 Respondents 1 3 1 37 3 984 2639 222 34 82.281334 Williams 1 3 1 37 4 1165 2631 43 57 82.281334 H.5 1 3 1 37 5 1229 2642 101 33 96.979012 Prices 1 3 1 37 6 1348 2643 30 32 16.490280 is5 1 3 1 37 7 1388 2652 53 23 16.490280 ‘an5 1 3 1 37 8 1459 2645 198 34 0.000000 officer’ands 1 3 1 37 9 1675 2641 150 40 22.804619 directors 1 3 1 37 10 1836 2650 44 32 96.121490 of5 1 3 1 37 11 1899 2647 73 48 96.830757 Thea 1 3 1 38 0 629 2686 1341 48 -1 5 1 3 1 38 1 629 2705 2 2 30.472267 -5 1 3 1 38 2 652 2686 120 33 28.484901 Credits 1 3 1 38 3 784 2686 404 45 54.885818 Bureaus 1 3 1 38 4 923 2682 52 56 54.885818 ‘of5 1 3 1 38 5 993 2686 183 45 64.515686 Columbus,5 1 3 1 38 6 1196 2692 84 42 86.194206 Inc.,5 1 3 1 38 7 1292 2695 69 31 96.965317 ands 1 3 1 38 8 1374 2705 20 21 93.113991 a5 1 3 1 38 9 1407 2690 154 38 48.205589 diréctor5 1 3 1 38 10 1567 2698 38 31 96.396179 of5 1 3 1 38 11 1628 2692 61 39 96.766296 Thes 1 3 1 38 12 1707 2682 116 56 96.386665 Credits 1 3 1 38 13 1835 2699 135 35 96.627640 Bureau 940 _ FEDERAL TRADE COMMISSION DECISIONS Complaint 81 FLO:

of South Bend, Inc. They formulate, direct. and control. the: acts-and practices, of the corporate respondents, including those hereinafter set forth. Their address is 170: East, Town Street, Columbus, Ohie, Par. 2 -Respondents are now, and for some time in the past. have been, for monetary fees and/or dues, regularly engaged i in the practice of assembling or evaluating information on consumers for the purpose of furnishing to third. parties consumer reports, as “consumer report” -is-defined. in. Section’ 603(d) ‘of the.Fair Credit Reporting Act.. Respondents regularly. use a means or facility of interstate commerce for. the purpose of preparing and furnishing said consumer reports: There- . fore, respondents are, a.consumer: reporting. agency, as. “consumer -reporting agency” is defined i in Section SOB ee) of the Fair Credit: Re- Porting’ Acti: nua Par. 8y ‘Subsequent to. “April 25, 1971, in the: ordinaiy course 2 arid : conduct of their business.asa. consumer reporting agency, respondents: 1. Failed, as. to. users of respondents” credit reporting. service who were users or “members”: prior. to. April-25; 1971, to. establish. pro- , cedures requiring said users to certify: thé purposes ‘for which’ the - information oni consumers is: Boge and that; ithe. infotmation: will be used for no other. purpose... z oH ' . 2. Failed ‘to: require prospective u users. s who becams “members” of respondents’ service after April 25, 1971, to certify the purposes for which the requested information was sought. Therefore, respondents failed to maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes specified under Section 604 of the Fair Credit Reporting Act, thereby violating Section 607 of the Fair Credit Reporting Act. Par. 4. In the ordinary course and conduct of respondents’ business, as aforesaid, respondents contracted to provide their services to “persons,” as defined in Section 603(b) of the Fair Credit Reporting Act, such as Federal, state or local governniental subdivisions or. agencies, private legal counsel or attorneys, and private detectives or investigators, who do not, in the ordinary course of business, regularly extend credit or insurance for personal, family or household use. Respondents knew, or should have known, that said persons may not have a permissible purpose for consumer reports pursuant to Section 604 of the Fair Credit Reporting Act. Despite such knowledge, respondents provided consumer reports to such persons when they had no permissible purpose for a report under Section 604 of the Act. Further, respondents failed, in a number of instances, to obtain from such persons, at the time of their request for the consumer reports, a written certification of the purpose for which the reports were sought. Accordingly, re- CREDIT. BUREAU OF COLUMBUS, INC., ET AL. 941° 938 ; Decision and Order .

spondents failed to maintain reasonable procedures. designed ‘to limit the furnishing of consumer reports to the purposes specified under Section 604 of the Fair Credit: Reporting Act, thereby violating Sec- : tion 607 of the Fair Credit Reporting Act. ~ - Par. 5. Respondents’ aforesaid failures to: comply. with the pro-. visions of the Fair Credit Reporting Act constitute violations of that Act and, pursuant to Section 621 thereof, respondents have thereby violated the Federal Trade Commission Act. : ; Dectsron. AND Orper | The Federal Trade Commission having initiated an investigation of certain ‘cts and practices of the respondents named in the caption hereof, and the respondents having been furnished thereafter with a copy of a draft of complaint which the Cleveland Regional Office proposed to present to the Commission for its consideration and which, if issued by the Commission, would charge respondents 1 with violation of the Federal Trade Commission Act; and.

The respondents and ¢ounsel for. the Commission having thereafter. executed, an agreement containing a consent’ order, an admission by the. respondents of all the jurisdictional facts set forth i in the aforesaid. draft of complaint, a statement that the signing of said agreement, is for settlement purposes only and does not constitute an admission by respondents that the law has been violated as alleged in such complaint, and waivers and other provisions as required by the Commission’s rules; and The Commission having thereafter considered the matter and having determined that it had reason to believe that the respondents have violated the said Act, and that complaint should issue stating its charges in that respect, and having thereupon accepted the executed consent agreement and placed such agreement on the public record for a period of thirty (30) days, and having duly considered the comments filed thereafter pursuant to Section 2.34(b) of its rules, now in further conformity with the procedure prescribed in Section 2.84(b) of its rules, the Commission hereby issues its complaint, makes the following jurisdictional findings, and enters the following order: 1. Respondent The Credit Bureau of Columbus, Inc., is a corpo-. ration organized, existing, and doing business under and by virtue of the laws of the State of Ohio, with its principal office and place of business located at 170 East Town Street, Columbus, Ohio. The Credit Bureau of Columbus, Inc., owns and operates five (5) unincorporated divisions known as the Credit Bureau of Delaware, located at 11 West Winter Street, Delaware, Ohio; The Credit Bureau of 942: PEDERAL PRADE. COMMISSION “DECISIONS! 83 Decision and Order! 81 RTGS Belleforitaine, located at..114 South: Madriver: Streét, Bellefontaine,: Ohio; The Credit: Bureau of Urbana, located at 212 South Main Street; | Urbana;:Ohio; ‘The:Credit Bureau of: Fayette County; located’ at: 13214 East Court Street, Washington Court ‘House, Ohio; and: Allen : County: Collection Company, located at 424 National Bank Building, Lima, Ohio. - Respondent The Credit Bureau of Mansfield, Ine,’ 15 4 corporation organized, existing and doing business.under and by virtue of the laws: of the State of Ohio, with its principal office and place of business located at 28 Park Avenue, W., Mansfield, ‘Ohio. The Credit Bureau of Mansfield, Inc., owns and operates, one (1) unincorporated division known as The Credit Bureau of Ashland, located at 159 West Main. Street, Ashland, Ohio. ;

Respondent The Credit Bureau of Marion, Inc. is a. | coxporation, organized, existing and doing business under and by virtue of. the laws of the State.of Ohio, with its principal, office and place of business located at 142 East Center Street. , Marion, Ohio, . a Respondent -The Credit. Bureau. of Newark, Inc., is a ‘orporation organized, existing. and doing business under. and. by. virtue: of the. laws of the State. of Ohio, with its ‘principal office and place of business: located at 41, North Second Street, Newark, Ohio. | “Respondent The Credit Bureau of South Bend, Inc., is a “corpora~ tion organized, existing and doing business under and. by virtue of the laws of the State of Indiana, with its principal office and place of business located at 312 West Colfax Road, South Bend, Indiana. | Respondent William B. Price isa manager of The Credit Bureau of Columbus, Inc., and an officer of The Credit Bureau of Mansfield, Inc., The Credit Bureau of Marion, Inc., and The Credit Bureau of Newark, Inc., and a director of The Credit Bureau of South Bend, Inc. Respondent William H. Price is an officer and director of The Credit Bureau of Columbus, Inc., and a director of The Credit Bureau of South Bend, Inc. They formulate, direct and control the policies, acts and practices of the corporate respondents. Their address is 170 East Town Street, Columbus, Ohio.

2. The Federal Trade. Commission has jurisdiction of the subject matter of this proceeding and of the respondents, and the proceeding is in the public interest. . , ORDER [tis ordered, That respondents The Credit Bureau of Columbus, Inc., The Credit Bureau of Mansfield, Inc., The Credit Bureau of Marion, Inc., The Credit Bureau of Newark, Inc., and The Credit Bureau of South Bend, Inc., corporations, their respective successors and assigns, CREDIT) BUREAU «OF: COLUMBUS, «INC: ET “AL. — 943. 938 Decision..and; Order.

and their officers, and: William B. Price and ‘William H. Price, individually and.as officers and/or: directors.and/or managers of said:corporations, or any.of them, and respondents’ agents, representatives and employees, directly. or through any corporation, subsidiary, division or other device, in. connection with the collecting, assembling or. furnishing of consumer. réports, as “consumer report” is. defined in :section 603 (d)-of the Fair Credit Reporting. Act. (Pub: .L. No. 91-508, 15. U.S.C., Section 1601, ef seg. ), shall forthwith cease and -desist from: 1. Failing to require all prospective users of consumer reports to _ identify themselves and to certify, in writing, through a contract or written certification form with the respondents, the purpose for which the information i is sought and that the information will ‘be used for no other purpose, in accordance with Section 607 of the . Fair Credit Reporting Act.

2. Failing to incorporate the following statements on. the face of all contracts or written certification forms between the respondents and the prospective users of consumer reports, with such conspicuousness and clarity as is likely to be read and under- _ stood by the prospective users of consumer reports:. AIDTENTION ‘User will comply with all the provisions of The Fair Credit Reporting Act Pub: L. No. 91-508"

1, Information will be requested only for the User’s exclusive use, and the User certifies that inquiries will be made. only for one or more of the following permissible purposes and no other:

a. In connection with a credit transaction involving the consumer.on whom the information is to be furnished and involving the extension of credit {0.0 or review or collection of an account of, the consumer; or b. In connection with employment purposes; or c. In connection with the underwriting of insurance involving the consumer ; or d. In connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an. applicant’s financial responsibility or status; or e. In connection with a legitimate business need for the information in connection with a business transaction involving the consumer. 2. Reports on employees will be requested only by the User’s designated representatives. Employees will be forbidden to attempt to obtain reports on themselves, associates, or any. other person except in the exercise of their official duties. 8. It is understood by the User that Pub. L. No. 91-508, § 619, states “Any person who knowingly and willfully obtains information on a. consumer from a consumer reporting agency under false pretenses shall be fined not more than $5,000 or imprisoned not more than one year, or both.” _ FEDERAL ‘TRADE COMMISSION DECISIONS: *~ Decision and Order:

. 8. Failing: to require: prospective users’ of consumer ‘reports,’ ‘who are not, in the'ordinary course of business, reguarly éxtend-" ‘ing consumer ‘credit and/or consumer ‘insurance including,’ but’ “«. not. limited to, those ‘who operate, either in‘ whole or ‘in’ ‘part, | ‘as Federal, state or local governmental subdivisions or agencies ex~ - “cept: those covered by Paragraph: 4 of this order, : private. legal ' counsel. or attorneys, and private ‘detectives or: investigators, to. . identity themselves and to certify in writing, either at the time the’ -: prospective ‘users’ seek ‘each consumer report | or “with en_ (10) business days s after aii oral certification of a” ‘request. for each con- ~ ‘sumtier + report; ‘the: ‘purpose for which the’ information po “Hecotdanies ‘with Section’ 607 of the Fair Credit Reporting ‘Act. 4, Failing to require prospective ‘users’ of consumer ‘reports, >. who are not, if the ordinary course of business, régilafly extend- ” tng ‘ cOnsiimer credit and/or corisumer insurarice; but’ who regularly use consumer’ ‘reports: for’ “employrient purposés,” as' defined in Sections 1 17 2 3 2 1000 1447 144 50 84.116615 603(h)5 1 17 2 3 3 1154 1449 56 37 59.501629 ‘of’5 1 17 2 3 4 1217 1444 73 41 82.584976 the!5 1 17 2 3 5 1301 1444 85 41 82.584976 Fair5 1 17 2 3 6 1409 1452 137 34 94.794838 Credits 1 17 2 3 7 1554 1451 209 45 63.056675 ‘Reporting’5 1 17 2 3 8 1770 1451 82 43 34.414162 Aét,5 1 17 2 3 9 1859 1452 56 42 18.021072 to:5 1 17 2 3 10 1918 1437 165 60 42.651485 idenitify2 1 18 0 0 0 842 1499 1251 959 -1 3 1 18 1 0 0 842 1499 1245 451 -1 4 1 18 1 1 0 842 1499 1242 47 -1 5 1 18 1 1 1 842 1504 201 34 93.219490 themselves5 1 18 1 1 2 1054 1503 276 42 23.241966 and'to'cértify5 1 18 1 1 3 1321 1512 36 24 95.573822 in5 1 18 1 1 4 1366 1498 151 48 76.894714 writing)5 1 18 1 1 5 1519 1497 197 47 49.116402 through'a5 1 18 1 1 6 1727 1491 164 42 39.371536 écontract5 1 18 1 1 7 1894 1494 42 38 55.142078 or5 1 18 1 1 8 1942 1497 142 35 55.142078 written4 1 18 1 2 0 844 1527 1241 83 -1 5 1 18 1 2 1 844 1555 221 33 96.002205 certifications 1 18 1 2 2 1080 1556 92 31 96.272903 forms 1 18 1 2 3 1186 1554 85 33 96.272903 with5 1 18 1 2 4 1279 1555 64 40 96.362671 thes 1 18 1 2 5 1357 1527 235 83 96.248360 respondents,5 1 18 1 2 6 1604 1552 78 32 96.916763 that5 1 18 1 2 7 1696 1552 58 32 96.608765 thes 1 18 1 2 8 1768 1551 82 42 96.742699 only5 1 18 1 2 9 1864 1560 148 35 96.318428 purposes 1 18 1 2 10 2026 1550 59 32 97.011375 fora 1 18 1 3 0 844 1593 1240 58 -1 5 1 18 1 3 1 844 1606 111 33 96.910599 which5 1 18 1 3 2 979 1598 227 40 96.199799 information5 1 18 1 3 3 1231 1605 29 32 96.909050 is5 1 18 1 3 4 1285 1593 138 58 88.147980 sought5 1 18 1 3 5 1435 1604 30 32 96.764297 is5 1 18 1 3 6 1491 1599 58 36 96.767494 for5 1 18 1 3 7 1573 1603 231 47 96.756729 employment5 1 18 1 3 8 1830 1602 68 32 96.884689 ands 1 18 1 3 9 1923 1601 77 31 96.446434 that5 1 18 1 3 10 2025 1601 59 31 96.446434 thea 1 18 1 4 0 844 1651 1240 44 -1 5 1 18 1 4 1 844 1656 226 33 95.952187 information5 1 18 1 4 2 1090 1656 70 31 96.968727 will5 1 18 1 4 3 1178 1656 42 32 96.973930 be5 1 18 1 4 4 1237 1650 85 38 96.629944 used5 1 18 1 4 5 1342 1656 59 31 96.565277 for5 1 18 1 4 6 1418 1665 45 21 96.695183 no5 1 18 1 4 7 1482 1647 108 39 96.827583 others 1 18 1 4 8 1600 1656 159 39 96.874191 purpose,5 1 18 1 4 9 1778 1653 112 31 96.296600 unless5 1 18 1 4 10 1910 1651 59 32 93.305054 thes 1 18 1 4 11 1989 1660 95 32 93.224693 pros-4 1 18 1 5 0 845 1700 1241 49 -1 5 1 18 1 5 1 845 1707 131 42 92.256973 pective5 1 18 1 5 2 988 1717 92 23 96.803993 users5 1 18 1 5 3 1092 1705 150 42 96.621849 identify5 1 18 1 5 4 1254 1701 205 45 96.728233 themselves5 1 18 1 5 5 1467 1695 72 42 96.928192 ands 1 18 1 5 6 1547 1700 158 45 94.398895 certify,5 1 18 1 5 7 1699 1714 34 20 94.398895 in5 1 18 1 5 8 1746 1701 150 42 96.836288 writing,5 1 18 1 5 9 1909 1701 82 33 96.880112 each5 1 18 1 5 10 2002 1700 84 32 96.306908 time4 1 18 1 6 0 843 1749 1243 51 -1 5 1 18 1 6 1 843 1758 58 32 96.690331 thes 1 18 1 6 2 924 1757 213 43 96.621353 prospective5 1 18 1 6 3 1159 1767 94 21 92.272552 users5 1 18 1 6 4 1276 1756 79 38 92.272552 seeks 1 18 1 6 5 1376 1767 22 21 95.993874 a5 1 18 1 6 6 1422 1765 177 32 95.993874 consumers 1 18 1 6 7 1622 1749 127 47 96.365150 report,5 1 18 1 6 8 1772 1753 60 32 96.365150 thes 1 18 1 6 9 1854 1761 150 33 96.843094 purposes 1 18 1 6 10 2027 1752 59 31 96.466423 fora 1 18 1 7 0 846 1801 1239 47 -1 5 1 18 1 7 1 846 1808 110 34 96.451271 which5 1 18 1 7 2 975 1809 59 31 96.942146 thes 1 18 1 7 3 1054 1807 227 32 96.601051 information5 1 18 1 7 4 1302 1806 30 33 96.691994 is5 1 18 1 7 5 1351 1807 125 41 96.298340 sought5 1 18 1 7 6 1497 1806 69 31 96.321579 ands 1 18 1 7 7 1586 1806 78 30 96.402916 that5 1 18 1 7 8 1685 1805 58 31 96.504128 thes 1 18 1 7 9 1764 1802 227 33 96.406769 information5 1 18 1 7 10 2014 1801 71 32 96.949593 will4 1 18 1 8 0 846 1849 1241 51 -1 5 1 18 1 8 1 846 1859 41 34 96.869522 be5 1 18 1 8 2 909 1859 81 41 96.488914 used5 1 18 1 8 3 1015 1859 56 31 96.345062 for5 1 18 1 8 4 1093 1869 44 21 96.794167 no5 1 18 1 8 5 1161 1858 98 32 96.468651 others 1 18 1 8 6 1281 1849 160 50 96.468651 purpose,5 1 18 1 8 7 1464 1856 36 32 96.890617 in5 1 18 1 8 8 1525 1854 205 44 96.636414 accordance5 1 18 1 8 9 1754 1854 86 31 96.608688 with5 1 18 1 8 10 1863 1852 137 34 96.734589 Sections 1 18 1 8 11 2025 1851 62 33 96.907379 6074 1 18 1 9 0 845 1907 621 43 -1 5 1 18 1 9 1 845 1909 40 33 96.565590 of5 1 18 1 9 2 894 1910 58 32 96.462006 thes 1 18 1 9 3 961 1908 85 34 96.876190 Fair5 1 18 1 9 4 1058 1908 118 34 96.686043 Credits 1 18 1 9 5 1186 1907 196 43 96.303513 Reporting5 1 18 1 9 6 1390 1907 76 32 94.952187 Act.3 1 18 2 0 0 846 1955 1243 249 -1 4 1 18 2 1 0 889 1955 1198 47 -1 5 1 18 2 1 1 889 1963 28 30 91.508759 5.5 1 18 2 1 2 940 1959 141 43 96.590446 Failing5 1 18 2 1 3 1096 1962 34 29 96.961967 to5 1 18 2 1 4 1147 1959 131 32 96.589935 informs 1 18 2 1 5 1294 1959 46 31 96.210129 all5 1 18 2 1 6 1357 1956 214 44 96.210129 prospective5 1 18 2 1 7 1586 1966 94 26 96.613617 users5 1 18 2 1 8 1696 1955 38 33 97.008362 of5 1 18 2 1 9 1750 1965 176 22 96.440804 consumers 1 18 2 1 10 1943 1956 144 39 96.861488 reports,4 1 18 2 2 0 847 2003 1241 50 -1 5 1 18 2 2 1 847 2011 37 32 97.009392 in5 1 18 2 2 2 900 2010 150 43 96.408562 writing,5 1 18 2 2 3 1066 2014 35 28 96.687576 at5 1 18 2 2 4 1115 2010 60 32 96.977646 thes 1 18 2 2 5 1190 2010 83 32 96.673058 times 1 18 2 2 6 1289 2009 39 32 96.529945 of5 1 18 2 2 7 1344 2008 158 42 96.824120 entering5 1 18 2 2 8 1516 2007 74 32 91.475204 into5 1 18 2 2 9 1605 2019 23 20 91.475204 a5 1 18 2 2 10 1643 2009 154 39 95.454811 contracts 1 18 2 2 11 1814 2016 40 22 96.236107 or5 1 18 2 2 12 1869 2003 181 42 96.543312 executing5 1 18 2 2 13 2068 2013 20 22 92.442009 a4 1 18 2 3 0 850 2052 1241 58 -1 5 1 18 2 3 1 850 2061 135 33 96.092834 written5 1 18 2 3 2 1000 2060 223 34 96.092834 certifications 1 18 2 3 3 1237 2061 93 47 96.994560 forms 1 18 2 3 4 1344 2058 85 33 96.857132 with5 1 18 2 3 5 1442 2058 59 32 96.857132 thes 1 18 2 3 6 1515 2058 233 44 95.393784 respondents,5 1 18 2 3 7 1763 2055 39 33 95.393784 of5 1 18 2 3 8 1816 2055 91 32 96.510887 theirs 1 18 2 3 9 1921 2052 170 58 92.027542 responsi-4 1 18 2 4 0 846 2106 1243 46 -1 5 1 18 2 4 1 846 2112 129 34 95.706551 bilities5 1 18 2 4 2 999 2122 46 21 60.066654 as.5 1 18 2 4 3 1059 2121 94 22 60.066654 users5 1 18 2 4 4 1176 2111 39 32 96.692307 of5 1 18 2 4 5 1238 2106 179 37 96.304985 consumers 1 18 2 4 6 1441 2112 143 40 96.763405 reports,5 1 18 2 4 7 1610 2106 179 43 96.919914 including5 1 18 2 4 8 1813 2097 58 41 96.880531 thes 1 18 2 4 9 1895 2104 194 45 96.880531 provisions4 1 18 2 5 0 848 2160 657 44 -1 5 1 18 2 5 1 848 2162 39 33 96.633392 of5 1 18 2 5 2 898 2162 220 42 95.464821 Paragraphs5 1 18 2 5 3 1129 2164 19 30 80.987175 35 1 18 2 5 4 1158 2161 68 33 94.911781 ands 1 18 2 5 5 1229 2156 18 52 95.149437 45 1 18 2 5 6 1267 2161 40 32 95.149437 of5 1 18 2 5 7 1316 2160 70 33 96.902733 this5 1 18 2 5 8 1396 2160 109 32 96.899170 order.3 1 18 3 0 0 850 2205 1243 253 -1 4 1 18 3 1 0 893 2205 1198 50 -1 5 1 18 3 1 1 893 2216 27 30 96.574371 6.5 1 18 3 1 2 944 2212 142 43 96.560364 Failing5 1 18 3 1 3 1099 2216 36 29 96.820404 to5 1 18 3 1 4 1150 2223 93 22 96.877365 ceases 1 18 3 1 5 1257 2211 109 43 96.496307 doing5 1 18 3 1 6 1379 2210 153 33 96.378242 business5 1 18 3 1 7 1547 2208 84 34 96.867508 with5 1 18 3 1 8 1647 2219 67 31 96.400169 any5 1 18 3 1 9 1730 2218 76 23 96.564827 users 1 18 3 1 10 1822 2218 39 21 96.902977 or5 1 18 3 1 11 1876 2205 215 44 96.854935 prospective4 1 18 3 2 0 850 2256 1240 47 -1 5 1 18 3 2 1 850 2275 78 22 96.129189 users 1 18 3 2 2 948 2264 39 32 96.616951 of5 1 18 3 2 3 1008 2274 175 22 96.256218 consumers 1 18 3 2 4 1204 2266 133 37 96.199135 reports5 1 18 3 2 5 1360 2262 77 31 96.836098 who5 1 18 3 2 6 1459 2262 80 31 96.592484 does5 1 18 3 2 7 1561 2263 60 29 96.503975 not5 1 18 3 2 8 1645 2259 117 32 96.269768 follows 1 18 3 2 9 1785 2268 68 31 95.785507 any5 1 18 3 2 10 1874 2257 39 32 96.885864 of5 1 18 3 2 11 1935 2257 59 31 96.457718 thes 1 18 3 2 12 2016 2256 74 32 96.665977 oral4 1 18 3 3 0 851 2306 1242 50 -1 5 1 18 3 3 1 851 2326 40 21 96.272423 or5 1 18 3 3 2 916 2314 137 33 95.793648 written5 1 18 3 3 3 1079 2313 203 43 96.431290 procedures5 1 18 3 3 4 1309 2323 36 22 96.431290 as5 1 18 3 3 5 1371 2311 161 42 96.532280 specified5 1 18 3 3 6 1560 2311 44 41 96.789330 by5 1 18 3 3 7 1630 2310 71 32 96.895508 this5 1 18 3 3 8 1726 2308 112 41 96.350327 order,5 1 18 3 3 9 1864 2306 39 33 96.217079 or5 1 18 3 3 10 1930 2307 77 32 96.217079 who5 1 18 3 3 11 2033 2307 60 31 96.542015 thea 1 18 3 4 0 851 2357 1242 51 -1 5 1 18 3 4 1 851 2365 222 43 96.464180 respondents5 1 18 3 4 2 1097 2365 111 40 96.900612 know,5 1 18 3 4 3 1233 2375 39 20 96.539749 or5 1 18 3 4 4 1295 2364 87 31 96.867859 have5 1 18 3 4 5 1407 2357 119 38 96.567619 reasons 1 18 3 4 6 1552 2365 35 28 96.567619 to5 1 18 3 4 7 1610 2360 139 40 95.967850 believe,5 1 18 3 4 8 1775 2360 28 31 95.967850 is5 1 18 3 4 9 1829 2358 170 42 95.589661 violating5 1 18 3 4 10 2025 2367 68 31 96.832596 any4 1 18 3 5 0 850 2412 826 46 -1 5 1 18 3 5 1 850 2415 193 43 96.688004 provisions5 1 18 3 5 2 1054 2415 38 33 96.622055 of5 1 18 3 5 3 1101 2415 59 32 96.808945 thes 1 18 3 5 4 1169 2414 86 33 96.896179 Fair5 1 18 3 5 5 1264 2413 121 34 96.808517 Credits 1 18 3 5 6 1395 2412 195 44 96.820129 Reporting5 1 18 3 5 7 1599 2412 77 32 96.695000 Act.2 1 19 0 0 0 769 2458 1327 304 -1 3 1 19 1 0 0 769 2458 1327 304 -1 4 1 19 1 1 0 811 2458 1284 51 -1 5 1 19 1 1 1 811 2469 36 31 95.687988 It5 1 19 1 1 2 861 2469 28 31 95.656403 is5 1 19 1 1 3 904 2466 139 43 93.593079 furthers 1 19 1 1 4 1056 2465 153 41 96.749229 ordered,5 1 19 1 1 5 1224 2466 93 31 96.946915 That5 1 19 1 1 6 1333 2463 223 43 96.733131 respondents5 1 19 1 1 7 1571 2461 131 33 96.517731 delivers 1 19 1 1 8 1715 2473 20 20 96.737328 a5 1 19 1 1 9 1750 2470 88 32 96.746887 copy5 1 19 1 1 10 1855 2460 42 32 96.763435 of5 1 19 1 1 11 1908 2459 71 32 96.763435 this5 1 19 1 1 12 1993 2458 102 33 96.946938 order4 1 19 1 2 0 773 2509 1321 48 -1 5 1 19 1 2 1 773 2522 34 29 96.779099 to5 1 19 1 2 2 824 2528 93 23 96.546455 ceases 1 19 1 2 3 933 2518 68 32 95.909355 ands 1 19 1 2 4 1016 2517 104 40 96.447250 desist5 1 19 1 2 5 1132 2521 40 34 96.968735 to5 1 19 1 2 6 1187 2516 47 32 96.427673 all5 1 19 1 2 7 1251 2518 137 39 96.560905 presents 1 19 1 2 8 1404 2514 68 32 96.502808 ands 1 19 1 2 9 1489 2513 118 32 96.724724 futures 1 19 1 2 10 1623 2510 178 46 96.708405 personnel5 1 19 1 2 11 1817 2511 39 31 96.405830 of5 1 19 1 2 12 1872 2509 222 41 96.877922 respondents4 1 19 1 3 0 769 2561 1326 50 -1 5 1 19 1 3 1 769 2569 176 42 96.214203 engaged5 1 19 1 3 2 936 2580 38 21 96.829094 in5 1 19 1 3 3 988 2569 58 31 96.952423 thes 1 19 1 3 4 1060 2566 208 42 96.908134 assembling5 1 19 1 3 5 1280 2578 39 20 97.002747 or5 1 19 1 3 6 1333 2565 201 41 96.778412 evaluating5 1 19 1 3 7 1548 2563 40 33 96.939644 of5 1 19 1 3 8 1602 2561 228 34 96.455307 information5 1 19 1 3 9 1843 2572 46 20 96.976326 on5 1 19 1 3 10 1901 2569 194 23 96.592163 consumers4 1 19 1 4 0 772 2590 1324 71 -1 5 1 19 1 4 1 772 2621 55 32 96.490952 for5 1 19 1 4 2 845 2596 57 56 96.322083 thes 1 19 1 4 3 921 2629 147 32 96.574821 purposes 1 19 1 4 4 1083 2618 40 32 96.762367 of5 1 19 1 4 5 1142 2616 201 43 96.504616 furnishings 1 19 1 4 6 1360 2620 36 28 97.016907 to5 1 19 1 4 7 1414 2590 118 57 0.000000 third:5 1 19 1 4 8 1531 2614 129 48 96.203522 parties5 1 19 1 4 9 1678 2623 177 22 96.366188 consumers 1 19 1 4 10 1873 2614 134 39 96.997063 reports5 1 19 1 4 11 2026 2610 70 32 96.056465 anda 1 19 1 5 0 770 2643 1326 69 -1 5 1 19 1 5 1 770 2672 77 31 96.472153 that5 1 19 1 5 2 865 2670 222 42 96.480827 respondents5 1 19 1 5 3 1103 2679 114 22 96.416901 secures 1 19 1 5 4 1235 2679 20 20 96.997169 a5 1 19 1 5 5 1272 2643 122 66 96.702431 signed5 1 19 1 5 6 1411 2668 182 30 96.755013 statements 1 19 1 5 7 1611 2661 284 43 95.979309 acknowledging5 1 19 1 5 8 1911 2661 127 43 96.391891 receipts 1 19 1 5 9 2056 2661 40 31 96.815002 of4 1 19 1 6 0 769 2718 614 44 -1 5 1 19 1 6 1 769 2721 75 33 96.653374 said5 1 19 1 6 2 854 2722 100 31 96.502022 orders 1 19 1 6 3 965 2720 92 32 96.761742 from5 1 19 1 6 4 1067 2720 81 32 95.961555 each5 1 19 1 6 5 1158 2718 82 33 95.961555 such5 1 19 1 6 6 1250 2728 133 34 96.453758 person. /DIENER’S, INC., ET AL. 2. 0 945 938°: | - Complaint I tis further ordered, That the individual respondents named herein promptly. notify the Commission of the discontinuance of their present business or employment and, of their affiliation with a new business or employment. Such notice shall include respondents’ current. business or employment in which they are engaged, as well as a description of their duties and responsibilities. .

It is further ordered, That respondents notify the Commission at least thirty (30).days prior to any proposed changes in the corporate respondents, such as dissolution, assignment or sale, resultant in the: emergence of a successor corporation, the creation or dissolution of subsidiari ies, or any other changes 1 in the corporations which may affect compliance obligations arising out of the order. - It as further ordered, That respondents. shall, within sixty. (60) days aftér service upon them of this order, file with the Commission a report, in writing, setting forth in detail the manner and form in which they have complied with the order to cease and desist contained herein. : »