TU tells me that they have undergone a "system upgrade" and that these inquiries no longer print on TU consumer reports. I am well aware of what the (TU CONSUMER DISCLOSURE) inquiry refers to, I am simply trying to ascertain whether or not TU is being frank. If anyone is aware of this "system upgrade," please post and please let me know the general date that you are aware of a "TU CONSUMER DISCLOSURE" inquiry posting to a consumer report. Thank you. I am double posting across the street, thanks, this does concern what I suspect to be fraud related to "Fin Coll Agency."
Two recent TUs, 4/18, and 5/18, and neither had consumer disclosures, but 2 pages of Privacy Guard -Consumer Initiated Transaction entries.
For TU to be off the hook, the system upgrade would have had to occur ON December 4, 2002. My December 3, 2004 report shows a "TU CONSUMER DISCLOSURE" inquiry. My December 4, 2002 report does not show a "TU CONSUMER DISCLOSURE" inquiry. My December 4, 2002 report is also the first report that shows a "Fin Coll Agency" inquiry, NCO's falsely certified subscriber name. Thank you
Is anyone aware of a "TU CONSUMER DISCLOSURE" inquiry posting to a Trans Union CR after January 1, 2003? Thanks for any feedback.
I will have to check my TU hard copies when I get home. Will post tomorrow. I believe I have seen that on mine, but I'm unsure of the date. Shorty
shorty, thanks much, I have been told via email by TU that these "TU CONSUMER DISCLOSURE" inquiries stopped posting during 12/2003. They stopped posting on my CR on 12/04/2002. Thanks again
Sorry watchdog, I checked my hard copies last night, and I did not see any "T.U. Consumer Disclosure" they ranged from 11/03 to 4/04. I did see 3 inquiries from 'Fin Collection Agency' and I swear I asked TU for contact info several months ago in my last dispute and they never replied. Need to check that when I get home too. SHorty
Ok, no prob on the TU CONSUMER DISCLOSURE inqs. However, the "Fin Coll Agency" inquiries are a hot topic. I have posted a lot on that subject. It is NCO pulling reports under a name other than its own. Trans Union's attorney, G. John Cento, Katz & Korin, P.C., stated three different trade names for "Fin Coll Agency" during the course of three weeks. Trans Union gave me a fourth trade name back in early 2003. All of this is in writing. It would be interesting to hear what name, address and phone number TU is disclosing these days. It describes some pretty serious fraud, and their attorneys know all about it.
Re: Re: "T.U. CONSUMER DISCLOSURE" Inquiry * TU did not reply to my request. But, on an older report, FIN COLL AGENCY pulled my TU report 4 times in 8/02. 2 of them diappeared.
Fin Coll Agency Inquiry Well, keep us or me posted on this. There are several threads here on "Fin Coll Agency" I have more than an average amount of evidence accumulated on it, all of which has been reported to the FTC. TU has NO EXCUSE at this point for not responding with "NCO" if you ask them what the full trade name for "Fin Coll Agency" is. More likely, they will say "Financial Collection Agency" (though not in writing) located at "2675 Paces Ferry, Atlanta, GA. 30339." They may also provide an address in Orange, CA. I have letters from TU and their attorney, two of which were sent by their attorney to the Office of the Minnesota AG which clearly state: NCO's inquiry posted under "Fin Coll Agency". They act like it is some sort of irrelevant, clerical error....sure, sure.
Re: Fin Coll Agency Inquiry I didn't get a chance to check last night - my b/f run out of gas on his lunch so I had an exciting night to say the least. I will check this weekend and post some info on Monday. I'm almost positive that in my last dispute to TU I requested contact info for them, and that when I received the results of my investigation no mention was made of it from TU. But, let me confirm that by checking my last letter to them and hteir reply. Shorty
Re: Fin Coll Agency Inquiry shorty, yeah please do and please be aware that I have reported this to the FTC with over 100 documents and 7 hours of sound recordings (tapes). I don't know how many other consumers have actually reported it, but I urge everyone who has a Fin Coll Agency inquiry to report it. Aside from that, I believe that a class action should be filed against NCO for this. I am in touch with 5 consumers across the USA who have had their reports pulled by Fin Coll Agency. All have received false identifying information and all have some sort of extinguished debt (the reason why NCO pulls under the false identity). For me, it was an extinguished debt that was settled by Accord and Satisfaction with Citibank. For others, it is a discharged BK debt or a past SOL debt. At any rate, pls post what identifying information TU gives by phone and in writing. In writing is preferred, but you really have to *press* to get them to commit any information to writing. They will delete the inquiries and then respond with something like: "The information that you are disputing does not appear on your credit report." They called my *request* a "frivolous dispute" at one point. A request pursuant to Section 609(a)(3) is not a "dispute" of any kind, and it does not become a "frivolous dispute" because TU is intent on concealing the identity of a person that obtained my consumer report. The * request* is something closer to a REPORT of potentially criminal conduct. At any rate, TU has no excuse for failing to tell you that it is NCO who is behind the name "Fin Coll Agency," no chance.
Re: Fin Coll Agency Inquiry Closing this subject and providing a link to a more appropriately titled thread: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=425100#post425100 Thanks, have a pleasant weekend ya'll (my grandma is from Texas, lol)
Re: Fin Coll Agency Inquiry Related Link, more appropriately titled, thanks: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=425100#post425100
Re: Fin Coll Agency Inquiry My latest TU report dated 6-14-04 shows in the "Account Review" section two TU CONSUMER DISCLOSURE inquiries made on 11-2002 and 10-2002. On various TU reports obtained during the years 2002 through 2004, TU reported a TU CONSUMER DISCLOSURE made on the following dates: 11-02, 10-02, 6-02, 9-01, 8-00, 6-00 and 1-00. I had one FIN COLL AGENCY inquiry in the TU "Account Review" section made on 2-2000, and at the same time had several OSI collection accounts on TU and several NCO collection accounts on EXP. The TU CONSUMER DISCLOSURE inquiries used to be reported in the "Regular Inquiry" (hard inquiry) section with the following note: "TU CONSUMER DISCLOSURE inquiries are not viewed by creditors." However, on 3-1-03 TU moved all of my TU CONSUMER DISCLOSURE inquiries to the "Account Review" section and has reported them there ever since. When I obtained the contact information for all creditors on my reports, TU provided the addresses for all other Account Review inquiries but nothing for TU CONSUMER DISCLOSURE. Therefore, I just assumed that TU CONSUMER DISCLOSURE was simply a credit report that TU had sent directly to me the consumer based on my request for a credit report. Hope this information helps. I don't quite understand what the deal is with TU CONSUMER DISCLOSURE. However, if TU has violated the FCRA in any way (and you can enlighten me as to how), then I would be more than happy to sue them and possibly use your testimony in a Virginia lawsuit. The SOL is still open for a few more months on the 11-02 and 10-02 inquiries.
Re: Re: Fin Coll Agency Inquiry greenvan, thanks for the post. Your assumption re the meaning of "TU CONSUMER DISCLOSURES" is correct as far as I know.
Re: Re: Fin Coll Agency Inquiry fun, I emailed you the link, get it? Folks, I have until 12-2004 to sue NCO and possibly much longer if the SOL is tolled per TRW v. Andrews. 534 US 19 (2001). I am asking consumers to come together in order to fight this fraud that TU and NCO are both engaged in, knowingly without any question whatsoever. Please post, communicate, contact me, anything...they are going to get away with this.
