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Innovis is the 4th credit bureau in this country and believe me, many creditors are reporting consumer information to this database. In addition, some creditors are using this information. However, they are currently refusing to give out consumers their credit reports, as is their rights under the FCRA. Why do you want to see it? To remove damaging information from it, just as you would want to correct your Experian, Equifax, or TransUnion files. _____________, 2010 Innovis Data Solutions VIA FACSIMILE AND P.O. Box 219297 U.S. MAIL CERTIFIED Houston, Texas 77218-9297 Re: Demand for Disclosure of Consumer Credit File Dear Sirs: This letter is in regards to a very serious problem which I have encountered with your organization. If not promptly resolved to my satisfaction, this problem will likely have serious legal and financial repercussions for your company. On ____________, 2010, I sent you a written request for disclosure of any and all credit files which Innovis maintains on me. A copy of my correspondence is enclosed for your reference. On or about _________, 2010, I received from you an unsigned form letter, a copy of which is enclosed, wherein you state that Innovis has received your request to update your credit report and that Innovis is developing a credit database and currently Innovis does not provide online credit reports to businesses where you apply for credit, insurance, or employment. [Emphasis in original.] As you will note in my __________ correspondence, at no point did I request that Innovis update my credit report or provide me with an online credit report. Rather, I requested in the plainest terms that you simply provide me with a written copy of the credit file which you are maintaining on me. Despite the clarity of my letter, your company saw fit to send me a completely non-responsive reply to my disclosure request rather than to provide me with the information to which I am entitled. This is a wholly inappropriate and legally insufficient response. As you know or, at least should know, the federal Fair Credit Reporting Act (FRCA), specifically 15 USC 1681, et seq., requires that upon request, a consumer reporting agency must disclose to an individual his or her credit file upon receipt of appropriate

information proving the identity of that individual. For purposes of this statute, consumer reporting agency is defined in relevant part as any person which, for monetary fees, due, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties . . ., and a credit file is defined as all information on [a] consumer recorded and maintained by a consumer reporting agency regardless of how the information is stored. 15 USC 1681a(f), (g). Similarly, California state law also requires that a consumer credit reporting agency promptly disclose to a consumer all files maintained on that consumer by the credit reporting agency. California Civ. Code 1785.15(b). It is absolutely clear from merely a cursory inspection of the information displayed on your own company web site that Innovis is a repository of consumer credit information and files, and a result of its disclosure of such information to prospective third party credit providers, is a consumer reporting agency for purposes of both the federal FCRA and parallel California law. As such, Innovis is unconditionally obligated under both of these statutory authorities to disclose to me the complete contents of all files which Innovis maintains on me. The failure and/or refusal of Innovis to disclose this information makes available to me a number of remedies including, under California state law: (i) actual damages, including court costs, loss of wages, attorneys fees and, when applicable pain and suffering, (ii) if the failure to disclose is willful, punitive damages of up to Five Thousand Dollars ($5,000), and (iii) injunctive relief. California Civ. Code 1785.31(a)(1), (2), and (3). In addition, in the case of a class action claim, the class claimants may seek punitive damages. California Civ. Code 1785.31(c). In light of the above, I hereby demand that Innovis immediately disclose to me any and all credit files and/or information which it is maintaining on me. Should you fail and/or refuse to timely make this disclosure as mandated by law, I will avail myself of all of my legal rights and remedies in order to compel you to disclose this information to me. You can easily avoid the significant expense, effort, and negative publicity associated with having to respond to such actions by simply fulfilling your legally mandated obligations. I trust that you would prefer to comply with the law voluntarily rather than to have a court of law force you to do so. I look forward to your expeditious handling of this extremely serious matter. Very truly yours, xxxxxxxxxxx enclosures