Dear

We regret to inform you that we are unable to open a charge
account for you at present due to information obtained from
the following consumer reporting agency:

We wish to advise you that you have the right under federal
law to obtain full disclosure of the nature and substance
of all information on you that is contained in the files of
the consumer credit reporting agency, with the exception of
medical data, upon the presentment of proper identification.

Although we are unable to offer you credit terms, we would
be pleased to welcome you as a customer and hope that we will
be able to open a charge account for you some time in the
future.

Thank you for submitting your application to us.