TransUnion is Full of SH**!!!!!!!!!!

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.

[Jerseee]

cute chick,

First of all try to relax. I sense from your post you are pissed. this is what they want.

Next, this cannot affect your livlihood if you have proof that the credit report is erroneous if you have other creditors deleting things. Obviously there is a discrepancy and your employer would be out of their mind to hold anything in disarray against you beyond your control.

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!!!

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!!!

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 . . . .

[Jerseee]

cute chick,

Look at the spelling of the name on the credit report and then think about how it is spelled.

Once you do that, can you honestly say that that name is YOUR name?

***HINT: ALL CAPS***

Originally Posted by Jerseee

cute chick,

Look at the spelling of the name on the credit report and then think about how it is spelled.

Once you do that, can you honestly say that that name is YOUR name?

***HINT: ALL CAPS***

Jerseee . . . I'm surprised at you!!! You actually believe that argument about your name being in all caps is legally significant????

[seeker]

Oh, yeah! Transunion has been the most cooperative with me to date, but they keep sending that tired, "Verification Documents Not Available" letter when I ask them to provide validation. I provide validated proof that the accounts should be deleted, but they refuse to acknowledge that -- and every time I ask them to supply the validation or recognize what I have provided, I get the same letter. It is infuriating!
Experian sent one letter and did nothing, CSC/Equifax did delete some medical things from my spouse's report, but other than that, nothing.
So if they remain in dishonor, what is out next step? If not the scathing letter?

They really don't seem to care if they are doing their job or not -- I guess we will have to consider the mentality of the employEEs there.


Seeker

[Jerseee]

Cute chick,

THE ALL CAPS is a legal fiction. It is used in commerce and it is not grammatically correct.

You need to know who they are addressing and if it did not make a difference then why do they do it? Why would they put your name in ALL CAPS and the rest of the document in upper and lower case script?

Besides how can you claim ownership of something you cannot control?

Originally Posted by seeker

Oh, yeah! Transunion has been the most cooperative with me to date, but they keep sending that tired, "Verification Documents Not Available" letter when I ask them to provide validation. I provide validated proof that the accounts should be deleted, but they refuse to acknowledge that -- and every time I ask them to supply the validation or recognize what I have provided, I get the same letter. It is infuriating!
Experian sent one letter and did nothing, CSC/Equifax did delete some medical things from my spouse's report, but other than that, nothing.
So if they remain in dishonor, what is out next step? If not the scathing letter?

They really don't seem to care if they are doing their job or not -- I guess we will have to consider the mentality of the employEEs there.


Seeker

Yeah I agree Seeker . . . Either these CRAs just don't give a damn or they are stooopid!! I got another letter from Eperian saying that they already verified the accounts that were deleted from my other reports. And, like TU, they conveniently forgot to explain their investigative procedurs and give me the name of the person who allegedly verified the debt. In other words, their treating my request like another verification request (and it's not).

As speaking of verification, I went to the law library today to reasearch the proper way to verify a debt under the FCRA and FDCPA. Well, strangely enough, Congress never defined *verification* or explained how a debt should be verified!!!! I am floored because verification is clearly defined in other situations (i.e. verification of a complaint; verification of a warrant in a criminal case, verification of a mechanics lien, verification of public assistance eligibility in state court, etc.). This is how the CRAs are getting away with these bogus letters and this is how the debt collectors are helping the creditors rob us!

I plan to go back to the law library on Monday to research Congress' intent for verification under the FDCPA and the FCRA. This, along, with the basic definition of *verification*, is the proof we need to get these bastards to do their jobs! I think I will post this same message on the miscellaneous board to get some help in researching this.

Originally Posted by Jerseee

Cute chick,

THE ALL CAPS is a legal fiction. It is used in commerce and it is not grammatically correct.

You need to know who they are addressing and if it did not make a difference then why do they do it? Why would they put your name in ALL CAPS and the rest of the document in upper and lower case script?

Besides how can you claim ownership of something you cannot control?

I DON'T KNOW JERSEEE BUT I'M LOOKING AT THE LATEST TRANSUNION REPORT SENT TO ME AND THE ENTIRE DOCUMENT (ALL 14 PAGES) IS IN CAPITAL LETTERS. I FOR ONE MOST OF THE TIME POST HERE IN ALL CAPS FOR CLARITY PURPOSES AND BECAUSE MY TYPING SPEED IS SLOW.
I AGREE WITH YOU ON NOT CONTROLING THE CREDIT FILE INFORMATION. UNFORTUNATELY MOST OF US ARE ALREADY PART OF THE CREDIT GAME AND WE NEED TO LEARN HOW TO PLAY IT OR JUST SIMPLY GET OUT.

Originally Posted by cute_chick

Yeah I agree Seeker . . . Either these CRAs just don't give a damn or they are stooopid!! I got another letter from Eperian saying that they already verified the accounts that were deleted from my other reports. And, like TU, they conveniently forgot to explain their investigative procedurs and give me the name of the person who allegedly verified the debt. In other words, their treating my request like another verification request (and it's not).

As speaking of verification, I went to the law library today to reasearch the proper way to verify a debt under the FCRA and FDCPA. Well, strangely enough, Congress never defined *verification* or explained how a debt should be verified!!!! I am floored because verification is clearly defined in other situations (i.e. verification of a complaint; verification of a warrant in a criminal case, verification of a mechanics lien, verification of public assistance eligibility in state court, etc.). This is how the CRAs are getting away with these bogus letters and this is how the debt collectors are helping the creditors rob us!

I plan to go back to the law library on Monday to research Congress' intent for verification under the FDCPA and the FCRA. This, along, with the basic definition of *verification*, is the proof we need to get these bastards to do their jobs! I think I will post this same message on the miscellaneous board to get some help in researching this.

CC, I BELIEVE YOU'RE ON TO SOMETHING. THIS HAS BEEN A CONCERN OF MINE SINCE I STARTED SENDING THE VOD LETTERS TO THE CRA'S. THEY JUST SEEM NOT TO UNDERSDTAND WHAT VERIFICATION/VALIDATION MEANS. THEY JUST KEEP SENDING BACK THE SAME OLD RESPONSE: "VERIFICATION DOCUMENTS NOT AVAILABLE", CONTACT THE CREDITOR FOR VALIDATION, PREVIOUSLY VERIFIED, ETC..

BTW, SOMEBODY THAT WORKS FOR A CREDIT REPAIR COMPANY TOLD ME THAT SOMETIMES THE ONLY WAY TO DELETE ENTRIES IS TO HAVE SOMEONE ON THE INSIDE WORKING FOR THE CRA'S. HAVE YOU HEARD THIS BEFORE?