I am steaming right now! As you all know, I had all the CRAs reinvestigate all 13 accounts appearing on my credit reports this past October. And as usual, all the CRAs came back with different results. So far, Experian has been most cooperative in deleting 7 accounts from my reports. On the other hand, TransUnion has been a royal pain the ass.

TransUnion allegedly verified 3 accounts that was deleted by Experian, with one account deleted by both Experian and Equifax. I wrote TU on 11/13 and identified these accounts, provided a copy of my Experian and Equifax investigative reports that shows the accounts deleted, and asked TransUnion to update their records and send me a revised credit report.

Well, TransUnion wrote back today and said that *your creditors previously verified as accurate the items that are listed below* and said *under the FCRA, we consider this dispute frivolous and we will not reinvestigate the items unless you can provide court papers or a recent, authentic letter from the creditors that explains what information should be updated.*

And to make matters worse, I asked TransUnion to explain their investigative procedures to me AND provide me with the name and contact information of the LIVING PERSON who allegedly verified these 3 accounts and other accounts on my credit report. I even gave a Black's law dictionary definition of verification and explained how the creditors must give TransUnion a notarized statement under the penalty of perjury. I also sited the Federal Rules of Evidence and explained that the affiant must have personal knowledge of the matter asserted.

Well TransUnion only gave me the address of 2 banks and that form letter saying that *Verification Documents are Not Available*. TransUnion allegedly verified 8 accounts but only gave me the address for 2 accounts. Moreover, TransUnion did not give me the name of ANY person who allegedly verified these accounts, nor did they explain to me their investigative procedures as required under 15 USC 1681(i)(a)(6)(B)(iii) and 15 USC 1681(i)(a)(7) of the Fair Credit Reporting Act. And yes, I did cite all relevant codes and statutes to these morons.

Unbelievable! I plan to draft a steaming letter to these *******s and demand them to comply with the FCRA. Otherwise, it's straight to the courthouse I go! Their erroneous credit report is causing serious harm to my livelihood and is effecting my career. I'm curious to see how Equifax and Experian will respond as I sent the same letter to them.