Thread: First Set of Disputes +36 CreditKarma boost :)

Even though TU won't let me see the results of the investigation, my dispute of 32 trade lines had a +36 point boost.

Really am looking forward to the results, especially the USDOEd results.

Thank you, USDoEd... I will love cashing a $5,000.00 check from you!

The USDoEd, rubber-stamped after performing not even a cursory review of their records, let lone a conclusive investigation of their results.

Hint: Even a cursory review should have seen DATA NOT AVAILABLE as being INCOMPLETE, INACCURATE, and/or UNVERIFIABLE...

5 tradelines at $1,000 each...

Wow, that's a lot of disputes! Did you do them all at once?

Yep, I did them online, but it was good for the time.

Faxed a post-dispute results "are you as dumb as they are?" dispute to TU, demanding an instant delete for 5 tradelines, which were by the data being reported and verified "incomplete, inaccurate, and unverifiable".

Wooo wooooo, just got the best result from TU...

In violation of Cushman v. TransUnion, they sent a "previously verified as accurate" letter, when I questioned the reliability of the data furnisher.

We hold that in order to fulfill its obligation under § 1681i(a) “a credit reporting agency may be required, in certain circumstances, to verify the accuracy of its initial source of information.”  Henson, 29 F.3d at 287.   We further hold that “[w]hether the credit reporting agency has a duty to go beyond the original source will depend” on a number of factors.  Id.  One of these is “whether the consumer has alerted the reporting agency to the possibility that the source may be unreliable or the reporting agency itself knows or should know that the source is unreliable.”  Id.  A second factor is “the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer.”  Id.  Whatever considerations exist, it is for “the trier of fact [to] weigh the[se] factors in deciding whether [the defendant] violated the provisions of section 1681i.”  Id.

Thank You, TransUnion for your idiocy! It really made my day, when you, in response to my dispute that "DATA NOT AVAILABLE" is not reporting complete, accurate, and verifiable information, verified that "DATA NOT AVAILABLE" is complete, accurate, and verifiable information!

BTW: That bumps DOE's tab to 2 verifications of incomplete, inaccurate, and unverifiable information for 5 tradelines, at 1,000.00 each, thank you for $10,000.00... :)

Just faxed my 3rd dispute, along with the copy of the suit which I've now added TU to. :)

Thank You, TransUnion for your idiocy! It really made my day, when you, in response to my dispute that "DATA NOT AVAILABLE" is not reporting complete, accurate, and verifiable information, verified that "DATA NOT AVAILABLE" is complete, accurate, and verifiable information!

BTW: That bumps DOE's tab to 3 verifications of incomplete, inaccurate, and unverifiable information for 5 tradelines, at 1,000.00 each, thank you for $15,000.00... :)

Just faxed my 4th dispute, along with the copy of the suit which I've now added TU to that I will be filing on June 15th. :) Given that I've now specifically invoked 15 U.S.C. § 1681i(a)(8), to demand an instantaneous deletion, the suit is actually for $20,000, from DOE and TU, and the economic effect of the incomplete, inaccurate, and unverifiable information on my credit reports and scores. TU still has a week to wiggle out of the suit, DOE won't be that lucky... :)

I am on pins and needles here - did TU delete it or are you going through with the suit?

I am expecting to have to file on Friday. Forms all printed out, along with the 13 page suit...