Louisiana · Monroe

Ouachita Parish Inmate Search & Jail Booking Roster

Search current detainees, recent bookings, bail bond details, visitation rules, and facility contacts in Ouachita Parish, Louisiana.

Jurisdiction Snapshot
Currently in Custody 1,366
Last Verified 06 Nov, 10:08 UTC
Agency: Ouachita Parish Sheriff's Office
Official Jail Portal
Total in Custody
1,366
Active records on file
Shown on Page
20
Page 54 of 69
Last Verified
06 Nov 2026, 10:08 UTC
Automated sheriff record sync
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Active custody index

1. Current Inmate Booking Roster

Source Agency Roster

Showing 1,366 active custody records for Ouachita Parish · Verified Nov 06, 2026 10:08 UTC

Public Records Notice & Presumption of Innocence

Public records from the sheriff's published roster — not an official court record. An arrest or booking does not mean guilt; everyone is presumed innocent until proven guilty. Source: Official roster

Name Booked Charges Status
CALLENDER, BRAD DEWAYNE
Male
#2025-00005372
Booked 21 Jul 2025 #2025-00005372 · Male
Charges
  • Felony - Unauthorized Entry of a Place of Business
  • Felony - Simple Criminal Damage to Property $1000 LESS THAN 50,000+2
Show all 4 charges
  • Felony - Unauthorized Entry of a Place of Business
  • Felony - Simple Criminal Damage to Property $1000 LESS THAN 50,000
  • Misdemeanor - Theft
  • Felony - Theft - FELONY
In custody
Bail / bond $3,000.00 (Bond); $1,000.00 (Bond)
WASHINGTON, NICHOLLAS EMMANUEL
Male
#2025-00005358
Booked 21 Jul 2025 #2025-00005358 · Male
Charges
  • VIOLATION PROBATION
  • REGISTRATION OF SEX OFFENDERS+1
Show all 3 charges
  • VIOLATION PROBATION
  • REGISTRATION OF SEX OFFENDERS
  • In-person periodic renewal of registration by offenders
In custody
Bail / bond $4,500.00 (Bond)
JOHNSON, STEVEN EARL
Male
#2025-00005350
Booked 20 Jul 2025 #2025-00005350 · Male
Charges
  • Felony - Failure to Register and Notify as a Sex Offender or Child Predator
In custody
Bail / bond $25,000.00 (Bond)
CHAMBOLA, DANIEL LEE
Male
#2025-00005250
Booked 16 Jul 2025 #2025-00005250 · Male
Charges
  • Domestic Abuse Battery Strangulation
  • Domestic abuse aggravated assault+5
Show all 7 charges
  • Domestic Abuse Battery Strangulation
  • Domestic abuse aggravated assault
  • Misdemeanor - Probation Violation
  • Felony - Domestic Abuse Battery
  • 3rd Offense
  • Misdemeanor - Disturbing the Peace
  • WM MUNICIPAL PURPOSES (FREE TEXT)" = MUN PURP
In custody
Bail / bond $0.00
TAYLOR, TERRANCE LORENZO
Male
#2025-00005244
Booked 16 Jul 2025 #2025-00005244 · Male
Charges
  • Felony - Obstruction of Justice Evidence Tampering
  • Felony - Felony Carnal Knowledge of a Juvenile+2
Show all 4 charges
  • Felony - Obstruction of Justice Evidence Tampering
  • Felony - Felony Carnal Knowledge of a Juvenile
  • Felony - Indecent Behavior with Juveniles
  • Felony - Computer-aided Solicitation of a Minor
In custody
Bail / bond $25,000.00 (Bond); $3,000.00 (Bond); $30,000.00 (Bond)
QUIAMBAO, AARON BLAKE
Male
#2025-00005234
Booked 15 Jul 2025 #2025-00005234 · Male
Charges
  • Felony - Domestic Abuse Battery
  • court monitored dab intervention program
Show all 2 charges
  • Felony - Domestic Abuse Battery
  • court monitored dab intervention program
In custody
Bail / bond $40,000.00 (Bond)
RESTREPO, WILINTON
Male
#2025-00005104
Booked 10 Jul 2025 #2025-00005104 · Male
Charges
  • Felony - DISTRIBUTION POSS w/INTENT MANUF OF CDS 1 NARCOTIC
In custody
Bail / bond $0.00
CANNON, RICHARD EARL Junior
Male
#2025-00005103
Booked 10 Jul 2025 #2025-00005103 · Male
Charges
  • VIOLATION PROBATION
In custody
Bail / bond $0.00
KLUMPP, ROSEANN
Female
#2025-00005102
Booked 10 Jul 2025 #2025-00005102 · Female
Charges
  • Felony - Manslaughter
In custody
Bail / bond $0.00
PORTER, JACOB KYLE
Male
#2025-00005086
Booked 10 Jul 2025 #2025-00005086 · Male
Charges
  • Felony - Contraband Defined
  • Certain Activities Regarding Contraband in Penal Institutions Prohibited+21
Show all 23 charges
  • Felony - Contraband Defined
  • Certain Activities Regarding Contraband in Penal Institutions Prohibited
  • Misdemeanor - THEFT- MISDEMEANOR
  • Misdemeanor - Simple Criminal Damage to Property
  • Local Ordinance - Failure to Appear - (FTA - Bench Warrant)
  • Misdemeanor - Stop Signs and Yield Signs
  • Penalties for Violations
  • Misdemeanor - Operating Vehicle while License is Suspended
  • WM MUNICIPAL PURPOSES (FREE TEXT)" = MUN PURP
  • Misdemeanor - Proper Equipment Required on Vehicles
  • Misdemeanor - No Seat Belt
  • PAROLE VIOLATIONS
  • Traffic - Insurance/Security - None
  • Warrant - Contempt of Court
  • Misdemeanor - Traffic - License Plates - Required, Unregistered, Expired
  • Traffic - Drivers License - Revocation or Suspension
  • Traffic - Careless Operation
  • Traffic - Unsafe Vehicle/Improper Equipment
  • Traffic - Inspection Sticker - Required or None
  • Traffic - Left of Center
  • MUNICIPAL PURPOSES (FREE TEXT)" = MUN PURP
  • PROPER POSITION TO TURN
  • Felony - Identity Theft
In custody
Bail / bond $257.00 (Cash); $257.00 (Bond); $150.00 (Bond); $250.00 (Bond); $10,000.00 (Bond); $2,000.00 (Bond); $500.00 (Bond); $300.00 (Bond); $1,950.00 (Bond); $1,500.00 (Bond); $0.00 (No Bond); $1,000.00 (Bond); $60,000.00 (Bond); $5,000.00 (Bond)
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Name Booked Charges Status
ANTHONY, TROY WAYNE
Male
#2025-00005013
Booked 06 Jul 2025 #2025-00005013 · Male
Charges
  • Felony - Aggravated Second Degree Battery
In custody
Bail / bond $10,000.00 (Bond)
VANDIVERE, STANLEY AMON
Male
#2025-00004936
Booked 03 Jul 2025 #2025-00004936 · Male
Charges
  • FUGITIVE FROM JUSTICE
  • Misdemeanor - Resisting an Officer+2
Show all 4 charges
  • FUGITIVE FROM JUSTICE
  • Misdemeanor - Resisting an Officer
  • Second Degree Kidnapping
  • Felony - Armed Robbery
In custody
Bail / bond $500.00 (Bond); $75,000.00 (Bond); $25,000.00 (Bond)
BROWN, GARY MICHAEL
Male
#2025-00004913
Booked 02 Jul 2025 #2025-00004913 · Male
Charges
  • Felony - Simple Burglary
  • Felony - Theft - FELONY+1
Show all 3 charges
  • Felony - Simple Burglary
  • Felony - Theft - FELONY
  • Simple Burglary/Burglary
In custody
Bail / bond $10,000.00 (Bond)
HARPER, MICHAEL FRANCIS
Male
#2025-00004870
Booked 01 Jul 2025 #2025-00004870 · Male
Charges
  • FUGITIVE FROM JUSTICE
  • PAROLE VIOLATIONS
Show all 2 charges
  • FUGITIVE FROM JUSTICE
  • PAROLE VIOLATIONS
In custody
Bail / bond $0.00
WATSON, JOSEPH DOUGLAS Junior
Male
#2025-00004773
Booked 27 Jun 2025 #2025-00004773 · Male
Charges
  • PAROLE VIOLATIONS
  • Felony - Possession of a Controlled Dangerous Substance, Schedule II+8
Show all 10 charges
  • PAROLE VIOLATIONS
  • Felony - Possession of a Controlled Dangerous Substance, Schedule II
  • Misdemeanor - Simple Battery
  • Felony - ILLEGAL POSSESSION/STOLEN PROP- 5K -25K (FELONY)
  • Felony - Simple Burglary
  • Local Ordinance - Failure to Appear - (FTA - Bench Warrant)
  • Felony - Theft of a Motor Vehicle
  • Misdemeanor - POSSESSION OF DRUG PARAPHERNAL
  • Domestic abuse aggravated assault
  • Felony - POSSESSION WITH INTENT/DISTRIBUTE/MANUFACTOR OF CDS-II
In custody
Bail / bond $3,500.00 (Bond); $10,000.00 (Bond); $5,000.00 (Bond); $2,500.00 (Bond); $15,000.00 (Bond); $500.00 (Bond); $1,000.00 (Bond); $20,000.00 (Bond); $1,500.00 (Bond)
SLATER, DECOREY DEWAYNE
Male
#2025-00004741
Booked 26 Jun 2025 #2025-00004741 · Male
Charges
  • FEDERAL PURPOSES (FREE TEXT)" = FED PURP
  • Misdemeanor - Violation of Protective Order+6
Show all 8 charges
  • FEDERAL PURPOSES (FREE TEXT)" = FED PURP
  • Misdemeanor - Violation of Protective Order
  • Felony - Aggravated Criminal Damage to Property
  • Felony - Possession of Firearm or Carrying Concealed Weapon by a Person Convicted of Certain Felonies
  • Felony - Armed Robbery
  • Attempted Armed Robbery
  • Use of Firearm
  • Additional Penalty
In custody
Bail / bond $50,000.00 (Bond); $10,000.00 (Bond); $5,000.00 (Bond); $1,000.00 (Bond)
PIMPLETON, KENIAL KUAWAN
Male
#2025-00004732
Booked 25 Jun 2025 #2025-00004732 · Male
Charges
  • DISTURBING THE PEACE / INTERRUPTION OF LAWFUL ASSEMBLY Disorderly Conduct
  • Misdemeanor - Illegal Carrying of Weapons, 1st Offense+11
Show all 13 charges
  • DISTURBING THE PEACE / INTERRUPTION OF LAWFUL ASSEMBLY Disorderly Conduct
  • Misdemeanor - Illegal Carrying of Weapons, 1st Offense
  • Illegal carrying weapon (presence of narcotics)
  • Felony - DISTRIBUTION POSS w/INTENT MANUF OF CDS 1 NARCOTIC
  • Misdemeanor - Resisting an Officer
  • OBSTRUCTION OF JUSTICE
  • Domestic Abuse Battery
  • Felony - Domestic Abuse Battery
  • court monitored dab intervention program
  • Felony - Second Degree Kidnapping
  • Home Invasion
  • Felony - Stalking
  • Misdemeanor - Violation of Protective Order
In custody
Bail / bond $10,000.00 (Bond); $5,000.00 (Bond); $5,500.00 (Bond)
SMITH, MARCUS DEWAYNE Senior
Male
#2025-00004707
Booked 24 Jun 2025 #2025-00004707 · Male
Charges
  • Felony - Second Degree Battery
  • Felony - Prohibited Activities+1
Show all 3 charges
  • Felony - Second Degree Battery
  • Felony - Prohibited Activities
  • Racketeering
In custody
Bail / bond $200,000.00 (Bond); $75,000.00 (Bond)
COLEMAN, DEVONTE DEMARCUS
Male
#2025-00004705
Booked 24 Jun 2025 #2025-00004705 · Male
Charges
  • Warrant - Contempt of Court
  • Traffic - Restraints - Child Restraint Law+29
Show all 31 charges
  • Warrant - Contempt of Court
  • Traffic - Restraints - Child Restraint Law
  • MUNICIPAL PURPOSES (FREE TEXT)" = MUN PURP
  • Felony - Second Degree Battery
  • Misdemeanor - Resisting an Officer
  • Misdemeanor - POSSESSION OF DRUG PARAPHERNAL
  • Felony - DISTRIBUTION POSS w/INTENT MANUF OF CDS 1 NARCOTIC
  • Misdemeanor - View outward or inward through windshield or windows
  • obscuring prohibited
  • Misdemeanor - Simple Criminal Damage to Property
  • Felony - Flight from an officer
  • aggravated flight from an officer
  • Felony - Carrying a Firearm, or Dangerous Weapon on School Property, at School-sponsored Functions or Firearm-free Zone
  • Felony - Obstruction of Justice Evidence Tampering
  • Felony - Possession of Firearm or Carrying Concealed Weapon by a Person Convicted of Certain Felonies
  • Felony - Simple Robbery
  • Misdemeanor - Domestic Abuse Battery
  • Felony - Domestic Abuse Battery, Child Endangerment
  • Misdemeanor - Criminal Trespass
  • Misdemeanor - Obstruction Public Passage
  • Misdemeanor - Masks or Hoods, Wearing in Public Places Prohibited
  • Penalty
  • Misdemeanor - Violation of Protective Order
  • Misdemeanor - Disturbing the Peace
  • Misdemeanor - Simple Battery
  • Misdemeanor - RIOTING
  • Felony - Contraband Defined
  • Certain Activities Regarding Contraband in Penal Institutions Prohibited
  • Felony - Criminal Conspiracy
  • Felony - Prohibited Activities
  • Racketeering
In custody
Bail / bond $200,000.00 (Bond); $1,000.00 (Bond); $10,000.00 (Bond); $0.00 (No Bond)
SCHULTZ, KENNETH CHARLES
Male
#2025-00004694
Booked 23 Jun 2025 #2025-00004694 · Male
Charges
  • Felony - Second Degree Murder/Specific Intent/Attempted
  • Domestic Abuse Battery-SERIOUS Injury Burning+3
Show all 5 charges
  • Felony - Second Degree Murder/Specific Intent/Attempted
  • Domestic Abuse Battery-SERIOUS Injury Burning
  • Domestic Abuse Battery
  • Misdemeanor - Interfering with Emergency Communications
  • Felony - Domestic Abuse Battery Aggravated
In custody
Bail / bond $1,000,000.00 (Cash); $2,000,000.00 (Cash); $7,500.00 (Cash); $5,000.00 (Cash); $1,000.00 (Cash)
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Understanding Ouachita Parish Roster Record Fields

Booking ID & Date:

The unique institutional identifier assigned at initial intake. This booking number is required by facility kiosks, mail handlers, and commissary vendors to route funds and letters to the detainee.

Charges & Allegations:

Statutory offenses recorded from the arresting officer's intake report. In accordance with constitutional due process, charges represent formal allegations; every individual is legally presumed innocent.

Custody Status & Bond:

"In custody" denotes current physical holding in Ouachita Correctional Center. Bond figures are set by county bond schedules or presiding judges. Blank bond amounts indicate non-bondable holds or pending magistrate hearings.

Cannot Find Someone on This Active Roster?

If an individual was recently arrested but does not appear in the search results above, follow these verification steps:

  • Intake Processing Window: Arrestees undergoing initial booking, medical screening, and LiveScan fingerprinting are generally not indexed to public internet rosters until initial classification is completed.
  • Municipal Police Department Holds: Individuals arrested by local city police departments may be held temporarily at municipal holding cells before transfer to the primary county jail.
  • Facility Transfer or Pretrial Release: Detainees who have posted bond, received pretrial release, or been transferred to state prison (DOC) facilities are automatically removed from active county detention rosters.
  • Direct Facility Verification: For real-time intake confirmation, contact the Ouachita Correctional Center booking desk directly at (318) 327-1369.
Record Corrections & Compliance Desk Initial review within 24–72 hours • Resolution within 5 business days

If you notice an outdated status, expunged criminal charge, or factual discrepancy, our compliance desk provides free verification against official court and sheriff sources.

Facility profile

2. Jail Facility Information

Key physical location and contact channels for Ouachita Parish detention facilities.

Facility address source: Official facility information · Reviewed 2026-11-06

Facility Name: Ouachita Correctional Center
Physical / Booking Location: 4801 Highway 165 Bypass South, Monroe, LA 71202
Facility Information: (318) 327-1369
Operating Agency: Ouachita Parish Sheriff's Office
Search guide

3. How to Search for an Inmate in Ouachita Parish

Standard public record intake lookup procedures and timing notes.

To locate an individual detained in Ouachita Parish, follow standard public record intake search procedures:

  1. Online Booking Roster: Search the roster table above using the inmate’s full legal first and last name.
  2. Verify Booking Details: Review the booking date, charges, assigned booking number, and bond status.
  3. Central Booking Latency: If an individual was arrested recently, their public custody record may experience administrative latency while fingerprinting, medical intake classification, and agency transfers are completed. For immediate custody status on recent bookings, contact Ouachita Correctional Center directly.
Educational Search Guide • Step-by-Step

How to Find an Inmate in County Jail

Need help navigating aliases, municipal police lockups vs. county jail jurisdictions, or central booking intake delays?

Bail procedures

4. Bail & Bond Release Information

Bail payment methods and posting requirements for Ouachita Parish.

Confirm current bond instructions and holds with the correctional center at (318) 327-1369. The Clerk of Court handles court records and case questions at (318) 327-1444.

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

Pretrial Release Guidance • Statutory Rights

How Bail Bonds Work in County Jail

Understand Eighth Amendment excessive bail protections, 10% commercial surety fees vs. full cash bonds, and state statutory prohibitions.

Trust accounts

5. Commissary & Inmate Account Deposits

Funding inmate accounts for hygiene, snacks, approved goods, and phone credit.

Reported Commissary Provider Ouachita Correctional Center
Electronic Deposit & Commissary Vendor

Correct Solutions / ViaPath deposits

Third-party electronic deposit and trust account portal reported for detainees housed at Ouachita Correctional Center. Confirm accepted transaction methods and current vendor status with facility staff before depositing.

1. Inmate ID / Booking #

Have full legal name and assigned booking or inmate ID number ready.

2. Confirm Facility

Select Ouachita Correctional Center.

3. Fund Posting & Availability

Posting schedules, settlement windows, and commissary purchase cutoffs are determined by vendor clearance and local facility trust accounting reconciliation. Check the vendor portal for active delivery timeframes.

Alternative Deposit Methods & Local Policy Notice

  • The sheriff lists ConnectNetwork / ViaPath funding, lobby kiosks and Correct Solutions commissary deposits (facility ID 10004). Verify the correct account product. Money orders follow separate rules and use the facility address, not the personal-mail scanning address.

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

Trust Account & Deposits • Policy Guide

Sending Money & Commissary to Inmates

Avoid transaction fee surcharges, understand facility trust accounting offsets, and verify approved electronic deposit vendors.

Communication

6. Inmate Mail & Phone Communication Rules

Mailing guidelines and telephone policies for Ouachita Parish.

Reported Telecom Provider Ouachita Correctional Center
Inmate Telephone System / Vendor

GTL / ViaPath

GTL offers AdvancePay for a specific recipient telephone number and inmate PIN-debit funding for the person’s own calling account. These are different account products.

Source reviewed Sheriff — telephone account types

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

All incoming correspondence is inspected for contraband by facility security staff prior to delivery.

Facility Correspondence Instructions Official Standards
Personal mail — TextBehind
Ouachita Parish Correctional Center, LA
Inmate full name and identifier
P.O. Box 247
Phoenix, MD 21131
•Personal mail is processed by TextBehind. Include the full facility name and state, the person’s full name and identifier, and the sender’s return details. Do not send legal mail or money orders to the scanning address.
Source reviewed Sheriff — personal-mail processing

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

Communications Regulations • FCC Standards

Inmate Phone Calls & Mail Regulations

Learn about FCC inmate calling rate caps, postcard-only policies, contraband mail screening, and privileged attorney correspondence.

Visitor rules

7. Visitation Rules & Scheduling

In-person and video visitation guidelines in Ouachita Parish.

Verified Facility Visitation Policy Official Schedule
Published Visiting Hours & Schedule:

Video visitation is available. Follow the sheriff’s official registration and scheduling instructions; confirm the person’s housing and available session times.

Official Facility Guidelines:
•Use the sheriff’s video-visitation instructions and registration links. Session availability must be confirmed through the facility; no unverified fixed visiting timetable is supplied here.
Facility Desk:(318) 327-1369
Source reviewed Sheriff — video visit registration

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

Facility Visitation Policy • Access Rules

County Jail Visitation Rules & Dress Code

Review mandatory government photo ID rules, prohibited attire dress codes, minor child accompaniment standards, and video kiosk reservation policies.

Court records

8. Courthouse & Case Docket Records

Ouachita Parish Clerk of Court filings, hearing schedules, and case records.

Formal criminal charges, arraignment schedules, and court case dockets for individuals arrested in Ouachita Parish are maintained by Ouachita Parish Clerk of Court.

Court Administration Location: Ouachita Parish Courthouse, South Grand Street, Monroe, LA
Court Information: (318) 327-1444

The Clerk’s office is at the Ouachita Parish Courthouse on South Grand Street in Monroe. The published contact is (318) 327-1444; contact the clerk for the relevant criminal-records department.

Source reviewed Clerk of Court — location and contact

Rules and availability can change. Check the linked facility instructions before mailing, depositing or visiting.

Regional rosters

9. Other County Jail Rosters in Louisiana

Browse other covered county rosters in Louisiana. These links do not establish where a person is held.

Answers

10. Frequently Asked Questions

Common questions regarding Ouachita Parish jail rosters, booking procedures, and records.

Recent booking dates in this roster: Of 1,366 listed records, 88 have a published booking date in the seven UTC calendar days ending 2026-11-06. This describes the listed snapshot, not all bookings or releases during that period.

How many inmates are currently detained in Ouachita Parish?

The directory currently lists 1,366 active custody records for Ouachita Parish. The most recent record observation was 2026-11-06 10:08:33 UTC. Of these listed records, 241 have published booking dates in the 30 UTC calendar days ending 2026-11-06. This is not the total number of admissions during that period. Confirm current detention status with the official facility.

What is the main jail facility in Ouachita Parish and how can I contact them?

The primary detention facility is Ouachita Correctional Center, located at 4801 Highway 165 Bypass South, Monroe, LA 71202. For booking verification, housing inquiries, or visitation scheduling, the facility desk can be reached at (318) 327-1369. Published visiting schedule: Video visitation is available. Follow the sheriff’s official registration and scheduling instructions; confirm the person’s housing and available session times.

How do bail and bond postings work in Ouachita Parish?

Bail is established according to the local judicial bond schedule or set by a magistrate judge during initial appearance hearings. Bail may be posted via cash directly at the detention facility or through state-licensed surety bail bond agents.

How frequently is the Ouachita Parish custody roster updated?

The directory is scheduled for daily synchronization from public agency rosters. The latest listed-record observation was 2026-11-06 10:08:33 UTC. Observation times describe individual records, not proof of a complete collection. Statistics are recalculated from the listed data and do not establish a new source update.

Compliance & Sources

11. Data Source & Directory Disclaimers

Official sources, compliance disclosures, and Fair Credit Reporting Act notices.

This directory compiles public custody data from published agency sources in Ouachita Parish, Louisiana. This website is an independent public records index and is not affiliated with, endorsed by, or operated by any law enforcement or government department.

FCRA Compliance Notice:

We are not a Consumer Reporting Agency under 15 U.S.C. § 1681. Information obtained from this site may not be used for employment, housing, or consumer credit decisions. To submit a removal request for sealed or expunged records, visit our Record Removal Request portal.

Facility Directory

Ouachita Parish Detention

Facility Name: Ouachita Correctional Center
Jail Location: 4801 Highway 165 Bypass South, Monroe, LA 71202
Inmate Info / Booking: (318) 327-1369
Operating Agency: Ouachita Parish Sheriff's Office
Verification

About This Public Record

Data Source: Ouachita Parish Sheriff's Office
Indexing Method: Direct sheriff record synchronization
Jurisdiction: Ouachita Parish, Louisiana (LA)
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Legal Notice
Fair Credit Reporting Act (FCRA) compliance

This website is an independent, non-governmental informational directory indexing publicly available county records, court clerks, and sheriff department resources. We are NOT a consumer reporting agency. The records referenced herein are public information and may not be used for employment screening, tenant background checks, insurance underwriting, or consumer credit assessment under 15 U.S.C. § 1681.