date:  April 28, 1992

attn:  Joann Hyden

   &nbsp    Chevy Chase

   &nbsp    fax: 301-620-1234

from:  Jeb Cashin (Daniel J.)

   &nbsp    John H. Harland Co.

   &nbsp    ph: 404-555-1234

Dear Joann,

I was told by one of the Chevy Chase Visa customer representatives to fax you the enclosed information. They have no information on the account number listed below, and asked that I have you research it.

I am attempting to get a home mortgage. The only “flaw” on my CBI credit report is with Chevy Chase Visa, account number 4013 0610 2908 1234. This report shows 1 occurrence of 30 days late and 2 occurrences of 60 days late.

I have never used a Chevy Chase Visa card account.

Please research this account and contact CBI to have this item removed from my credit report. I will need a phone number that the mortgage company can call to confirm this.

My business address is:

   &nbsp  John H. Harland Co.

   &nbsp  2939 Miller Road

   &nbsp  Decatur, GA 30035

My home address until May 24 is:

   &nbsp  1234 Hancock Circle

   &nbsp  Doraville, GA 30340

If you have any questions for me, you can contact me at 404-555-1234.

Thank you.

attch. Credit Report