This is the letter Junum sent to experian in January, even though I haven't been a member since July, 2001. The lawyer I dealt with on my lawsuit with Exp. sent me a copy of it. Postmarked from Santa Ana, Cal. They still deny they sent it. It had my ss# and address on the top right side. 1/2/2002 Dear Experian, I believe if you check your records, you will find them incorrect. You have made a mistake. I don't remember being late like you say. I would have been informed if I were late on any of my accounts. And there are some things on the report I don't think are mine. Will the comments you put on my report cause my trouble when I try to get credit? Would you please fix them? Here are the items you show as late, but i don't believe are late. Please correct these items: They listed 2 100% positive accounts that thankfully were verified. The rest of the items don't look as if they belong to me and I'd like them taken off. They are: They listed 2 chargeoffs that I had deleted many months ago. I hope you fix these and let me know that these late notes have been corrected. Thank you, my name and they forged my signature.
I'm not an English teacher or the grammar police, but I'd think that a professional organization would certainly be able to pen a more polished letter than that. Sounds like a 6 year old wrote it! And people PAY them to write like this???? Sorry to be cynical, but my gosh... that's just one horrible letter! LKH, I'd be hot too if they sent something like that on my behalf - especially when I didn't ask them to! Ozzy.
What really ticks me off is that when I confronted them with it they denied it saying it was impossible for this to happen. When I got the letter, I read it to them, and they still deny they did it. As far as the grammar and letter writing goes, they are trying to make it look like an uninformed general consumer wrote it. I agree, it is a joke. Lexingtons letters are better though. Remove the following incorrect items from my report or suffer the consequences.
That's my point. I cancelled Junum in July of 2001 after they disputed and had deleted 4 positive accounts from TU.
Here's my "Junum is crazy" story... (sorry it got so long) Joined them in July of 2001...send in 1 complete set of my CRs and Equifax for my wife (while waiting for the others)...they disputed some and they fell off, paid them their $10/per (never sent in any more CRs)...got a little uncomfortable with them when I started getting random letters from the CRAs saying "the account you disputed is not on your report"...so in late Aug/early Sep..I sent them an email saying cancel my account...no response, but 24.95 came out of my account, so I figured they were ignoring me...in early Oct. called the 888 number and sent another email saying cancel my account...lady on the phone said "sure no problem"...so I assumed that I was ok...in December, I get an email saying "your CR is now available on the Junum website"...I thought that was odd, but figured it was a mass email...early this month, I was reconciling one of my bank accounts and noticed that I was several hundred dollars short of where I should have been...so looked at my prior bank statement online...There were about 20 charges from Junum since October, some for $20, some for $40-60, one for $200....counted about $400 in withdrawals from Junum...I said WTF...I found their 888 number and called...all you get is a recording saying go to the website..go the the website and did the "live chat" thing...guy I got said "we have no record of you cancelling you membership"...of course I had the emails that were sent out...so I sent those to him..come to find out, Junum was taking credit for all the bad marks that I had gotten off my CRs (now that they had access without me having to send them in) and had been billing me at $10/per deletion...grand total = $570...I told them if they didn't refund my money in 48 hours, I would sue them...money was back in my account the next day...Moral of the story--watch Junum like a hawk! and get everything in writing from them!
