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Originally Posted by Jerseee
cute chick,
secondly, you are not in a position of demanding any organization to change their business practices until you sue them.
You have the evidence. You do not need to know TransUnion's business practices by asking them about their investigative process. You provide too much testimony to these guys until you are at the point of their mercy.
You must allow them to cure or stay in dishonor--you can't make them do something until you make them realize that you are not playing with them. So you either sue their asses or keep gathering evidence of their conspiritous behavior and then sue their asses!!!!
Either way, you gotta stop claiming that the credit report is yours--stop saying, "my credit report". Make the conscious effort to do that and you will slowly change your way of thinking.
Now that you got me upset about this--I'm going to get a beer and write TransUnion for the hell of it!!!! Those bastards!!!
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LOL . . . . . Your post made me laugh. But yeah, I am pissed because these retards are blatantly violating the law here . . . . Jerks . . . .
Jerseee I'm not asking them to change their business practices. I'm just asking them to do their jobs as mandated under the FCRA. The FCRA says that TU must explain their investigations and name names - not me. In fact, TU said this on my revised credit report!!! They admitted that, yes, they're suppose to explain their procedures to me and provide names of people but now they are blantantly refusing to do so. Unbelievable!! All of this is spelled out as clear as day in the FCRA. In fact, all I've been doing in my letters to the CRAs is cutting and pasting relevant provisions of the FCRA and applying this to my situation. Trust me, a first grader could do this . . . .
And yes I know the report isn't officially *mine* but it does have MY name on it and it is effecting MY livelihood. I'm not saying my career will be adversely affecting by the bogus credit report but yes it will cause undue delay in getting my paperwork processed . . . . Bastards . . . .