I received a letter today in response to a letter I sent to TU last month. The last sentence was "I am also aware of your postings on the Creditnet member chat room; we request that you refrain from any further libelous comments about Trans Union, or the matter will be referred to our counsel for appropriate action".
LKH - did you post a copy of a TU letter or refer to a specific conversation with someone there? I am also puzzled how they can determine it is you.
Did I post a letter? yes, a copy of one I sent to them. How do they know what I go by here - good question. Am I for real? 100%
Well it must be the fact that LKH are initials....it wouldn't be hard to put 2 and 2 together, especially in light of the whole lawsuit deal. I'm sure TU has LKH's problem assigned to a specific person who I'm assuming reads this board! Wow....
I'm sure people from the CRA's view this board, but how the heck did the find out you were posting here.
This is why I believe that sharing certain information should be posted on the board, but specific what to do info and letters to write needs to be emailed directly. Turn your emails on people.
Well, it has to be an educated guess, but if you sent the letter you posted here, and these are your initials, I suggest you re-register using a different name, and get PBM to delete all old information, hehe. Libelous? Doesn't it have to be untrue to be libel? If they sue you, we will all contribute to your defense fund. Obviously this board is accomplishing something if we are being tracked by Trans Union. Perhaps we should post all the lawsuits TU Has lost for violations of the FCRA?
Yeah I totally agree...I cannot believe that they actually check this board...Maybe from now on we should just post our concerns to them here instead.
Well, if someone from TU IS watching the board, I welcome, no, I CHALLENGE them to come after me for my statements. After all, I've disputed two accounts with both the creditor and them over a period of TWO YEARS (since I started learning about my credit). These two accounts, comprising nearly 80% of my past due ($6,000) are medical bills, supposedly incurred and delinquent since 10/94. They are using the date that these went to collections, 5/95, thereby slamming my credit unnecessarily for 7 months additional, and, more than likely, keeping my score well lower than it should be. Oh, and did I mention ILLEGALLY? This was pulled directly from TU's site: How long do accounts remain on my credit report? In most cases, accounts that contain adverse information may remain on your credit report for up to seven years from the date of first delinquency on the account. If accounts do not contain adverse information, TransUnion normally reports the information for ten years from the last activity on the account. Adverse information is defined as anything that a potential creditor may consider to be negative when making a credit-granting decision. return to top you can find this verbatim at this link: http://www.transunion.com/Personal/ManagingCreditFAQ.asp So, TU folks, if you wish to file suit, bring it on! In fact, IF you are watching the board, email me at ajnval@prodigy.net. Yes, the challenge has been made, and I will state for the RECORD that you have violated my rights and broken the law. *sorry, just in one of them moods, and full of anger for a company that just can't seem to do anything right* A. J.
wow, talk about a fast response: "Dear Consumer: Thank you for your not-so-kind words on Creditnet. Per your indirect request, we have reviewed your consumer credit history, and have subsequently reaged all of your negative accounts to reflect today's date, deleted those positive accounts that may have had some bearing on your creditworthiness, and have reset your score to 150. We appreciate your interest in Transunion, and wish you well over the next seven years."
whoops, forgot the "lol" on that one... for those of you who didn't catch it, that last one was a joke, but I'm sure any response I DO get will be about as worthless. *credit frustrated* A. J.
Although their legal threats are baseless, I'm concerned about their ability to locate your personal information. I urge pbm to let us know whether he has received any court papers requiring him to release LKH's (or possibly others') personal information. He may also want to consider creating a mechanism to restrict chatroom access. We now have cold, hard evidence (as opposed to mere speculations) that the content of this board is monitored by someone other than pbm, and that posters' true names & addresses are readily accessible to anyone. LKH, this also implies that your credit bureau file has been flagged by TU, and that any incoming correspondence pertaining to it, is now routed to a designated agent who is regularly watching your input here. While I've hardly ever been to any board chat, to dig this information, this man has had to monitor the chat contents for quite a while. Saar
Well, Hello TU!!! Everybody say "HELLO TU". How about instead of watching an internet board you go and do your jobs... How about you actually: Investigate all items requested INVESTIGATE them and not lie and say you contacted the creditors when you don't Accept information submitted by the consumer as required by FCRA Add consumer statements when requested Unconfuse our files and keep them that way Report our credit limits and not high credit so as to quick tanking our scores purposefully Update information when the creditor submits UDFs QUIT deleting out positive accounts in full when we simply want balances adjusted to 0 QUIT deleting our positive accounts for spite TELL us in plain language that the PRMS HURT our scores (you fail the the average person test with your disclosure on this one) ACT like a responsible company that isn't out to get the consumer at every turn! Need I say more??? Do your jobs! Libel? HA! THE bureaus actually had the unmitigated gall to contact another person on another board and offer him money to NOT post anymore. He posted about the opt out stuff and other hints on scores and he got a virus and intimidation. He told them where to go (and I don't know which bureau it was... but it was so funny!!!) Well. we must be doing something right if they're taking notice HEY TU>>> How about Wenger v. TU!!!!!! Did you like that one???!!! Hey LKH... I think you should now go after them for WILLFUL noncompliance. Get an atty and sue them in US District Court. How many juries do you think would like knowing that one of the 3 Stooges is actually taking retribution against some consumer for standing up and protecting themselves??? OOOOOHHHHHHHH. This could be better than the last 4.7M verdict our there. THis is spiteful, revengeful, deliberate... How about calling USA today. Headline: "TRANSUNION OUT TO GET CONSUMER WHO STOOD UP AND FOUGHT... " Oh, That'd make me really sue them and NEVER settle. But don't do just FCRA because the Stooges have bought out the laws in their favor... Use defamation... Call the attys who did the Wenger one and get a referral. Certainly they knew how to beat TU. This deliberate attempt at intimidation is really grounds for you to get some serious damages... Please stand up to them!!! What jury wouldn't side with a consumer on this. Oh, they handed you a gift!!!!!! Call Ralph Nader. I would!!! He has funding and a platform already established to dissiminate info to the whole nation. Perhaps this is just the thing to wake up consumers and demand an overhaul of the system that's against us.
Big business protects it interests at all costs, imagine what a money machine they are sitting on. We should never say anything online, that we would not repeat in person. I am sure if Mr. Miller read this board he could figure out who I am. Thanks to the thousands of cameras in New York City and the rest of the world we are ready to catch people using face recognition technology. Just wait till we become a mostly cashless society. Oops already has happened. Maybe we need a disclaimer barring certain companies from participating in the forums or a privacy policy that includes a statement that all information is for educational purposes only.
LOL. I agree. If they are watching, post our concerns to them here. I have been fortunate with TU, though they are pretty harda$$ed, they have always responded when I submitted proof, they deleted or corrected their info. However, I know that is not always the case, judging by the posts on this board. My best candidate for court is Equifax!! Can you sue people for stupidity?? Does it take a Philadelphia lawyer to see that these are duplicates of the same "accounts" (my IRS leins) Now, I have never tried to get rid of the accurate information, mind you, I really don't do that (personally), but I have disputed the duplicating of the accounts - it's illegal. But they don't seem to know what I'm talking about. The IRS filed them in one city, I moved a month later, so they filed them in that city. Actually they released the first ones as soon as they filed the second ones. Duh. Then to really add interest to it all, I have been trying to get the file contents from the courts - guess what - it's archived. They could not possibly verify this information. The clerk of court can't find it. LOL. For their stupidity, obstinance/whatever it is, they will end up deleting it all, because I am getting written statements from the clerks of court stating that the record cannot be located. This will be forward to them along with a letter from my attorney. This is not a tactic to get accurate information deleted, Mr/Ms CRA representative, it is just a bonus I will get because Equifax was lying to me when they said they verified this. All they had to do was delete the duplicates, and I would have been satisfied.
