For those just tuning in-- Fisher demanded that TransUnion provide complete consumer credit file disclosures (to include the 24-month payment history). The Fair Credit Reporting Act requires that credit reporting agencies give consumers all information in their files. TransUnion fails to produce the 24-month history, and adds a weird non-sequitur to the discussion by replying that the account in question is not being reported. In this update, Fisher demands the representative's supervisor's name, and that the account be restored. http://creditaccuracy.com/0002.htm
Greg, I have been following this post. Don't really have much to say except KEEP IT UP!!! I cannot wait for the final outcome, as this maybe a beacon of light for alot of us. HOLLA
Thank you. To be sure, there's more than one way to express interest, here. In terms of views, this topic (thread) ranks 195th out of 32,000: A lot of interest, albeit silent. And we aren't even past the person at the lowest level.
from: http://www.a2cb.com/credit/page3.html sample report: http://www.a2cb.com/credit/page4.html#44 Manner of payment (MOP) for the 12 most recent months. Payment pattern reads from the left to right, with the most recent verified entry on the left of the first line. The pattern then works its way back in time. There are six different characters that may appear in the payment pattern. These are MOP values 1 through 5 and X, which are those reported by the credit grantor. The X is inserted by Trans Union if the following conditions occur: automated data was not received from the credit grantor for that month; the account is reported as disputed by the consumer; in this case, an X is placed in the left-hand (most recent) position and the three next most recent values are changed to an X. This is done to ensure full compliance with the Fair Credit Billing Act; any MOP other than 1 through 5 was received; for example, 00, UR or UC. Manner of payment for the 12 months preceding those reported under PAYPAT 1-12. (See q for explanation.) 4 - column display; describing payment history. MO=Number of months reviewed. 30 = Number of times over 30 days late. 60 = Number of times over 60 days late. 90 = Number of times over 90 days late. Interesting, very! Sassy
"The inquirer agrees to hold all information contained herein in strict confidence, and not to reveal it to anyone, including the subject of the report except as required by state law." One of my favorite parts so far.
The letter 'from' Mr. Gambill came over the weekend. I wasn't able to scan it until today. Though she has used more words, I don't think she said any more than the last letter did. I am not sure why they waited so long to mail it. I guess their mailroom is busy? I wish I still had items on the report that had more lates, because then it would be more obvious. It is still quite clear that the consumer version is missing data, but I would prefer something that has an adverse effect.
Holy s**t, am I dense? Am I just not getting it, or did that letter talk for several paragraphs without really saying anything?
If you are dense, then I must confess to being dense as well. TU seems very adept at 'talking' much without saying anything. Reminds me of a rap, "talkin' loud ain't sayin' nothin'!"
http://creditaccuracy.com/0002.htm 10/08/02 letter from TransUnion: Fisher's request for the supervisor's name and mailing address is ignored, and request for restoration of the account history is denied. Meanwhile, the elephant remains in the living room.
http://creditaccuracy.com/0002.htm TransUnion (formerly Trans Union) evades the issue, so Fisher directs attention to another account. Two more credit reports from TransUnion itself show contradictions, and perfectly illustrate and prove the case.
http://creditaccuracy.com/0002.htm TransUnion ignores the December letter, so Fisher continues to chronicle the case, releases more proof, and contacts the chairman and all FTC commissioners, five FTC staff members, a journalist, a consumer advocate, two members of the U.S. House, and a U.S. Senator.
