The first round with TU was good. Second they are adding things I've NEVER SEEN!! Adding addresses I have NO clue what the heck they are talking about. They are reporting 2 new CA's from 2001 and 2003 that are mysteries to me. They are now reporting on items that I did not dispute and refuse to correct the ones I have. Do I continue to dispute...what letter to use? I'm soooo frustrated and MAD!!! TU down 68 points because of it! HELP PLEASE!
lol..tu did the same thing to me last week. I sent them a huge dispute letter and they started to go nutso. The added 3 30-day lates on an account that was closed 3 years ago--all within the last 18 months!. When I sue them, I think I'll change the name to RondaBenUnion and give free reports to all. lol.
So, what was your next move. Looking for a letter guys that will SLAM them!!! Is it common practice for them to look at the entire file when you are making a stink rather than just the items you are disputing? THIS IS BS and I'M MAD! What is my recourse?
how about something like this Dear Transunion scumsuckers, I am very troubled at the recent activities which have occured on my Transunion credit file. I would like to believe that the activity is associated with a technical glitch that has allowed the activities to occur. This seems rather difficult to me to reconcile however. The sudden appearance of incorrect information, derogatory tradelines, reporting on tradelines which have not had activity or disputes associated with them, and refusal to correct obviously incorrect information follows a pattern that suggests that your company is engaged in retribution against me for simply disputing inaccurate information as is my right under Federal Law. Please be aware that at this point I see little hope of working past this perceived hostile stance TransUnion has adopted in regards to my credit file. I truly don't want to resort to litigation to protect my rights and good name but I will no longer allow you to manipulate information about me and portray me such an unfavorable light. To this end I must ask for you to take the following actions or I will be forced to file a Federal lawsuit and seek statutory, compensatory, and punitive damages as a jury may seek to award: 1) Remove the following Tradelines from my credit report. I do not have collections accounts..... 2) Delete or correct the following information which I have previously disputed with you and to which you have yet to conduct a proper investigation and subsequent correction.... 3) Delete the following addresses listed in my personal information in my credit file. They have no basis in reality and are not associated with me in any manner..... 4) Provide me with 1 year of free access to your credit monitoring service to assure that the above mentioned items are removed and are not re-inserted into my credit file 5) Provide to me a written apology, on corporate letterhead, stating that the errors listed above have been corrected and that you have taken all appropriate measures to assure that they will not reappear on my credit report. 6) Send to me a certified check for $1,000 The above demands listed 1-5 must be completed in totality within 15 days of the receipt of this letter. If demands 1-5 are met in this time period I will stipulate an additional 15 days, (not to exceed a total of 30 days from the receipt of this letter) for you to remit the check itemized in demand #6. In addition, I have included an exhaustive list of incorrect entries listed on my credit file in addition to those listed above. Please follow the normal dispute procedures as defined in the FCRA to assure that these items are properly investigated and corrected. (List every friggin thing on your report that is wrong--incorrect balances, montly payments, account types, etc. When I did this TU had over 70 things to fix) Please view this letter with the upmost urgency that it deserves. The incorrect entries and reporting errors you have placed on my report have already lowerd my credit scores significantly. This is interfering with my ability to obtain credit on favorable terms as well as libelously indicating that I am a poor credit risk, am irresponsible with my finances and have poor moral character. These damages are very serious and the severity of them is compounding on a daily basis. At this point the amount of damages I have sustained on a monetary basis are significant, but not as substantial as the character assasination which has been perpetrated. I look forward to you prompt response to these issues and their hasty correction. Please forward all communications to me in a timely manner in order to avoid involvement of the courts in this manner. Go screw yourself, You
Come on guys...need some input...not one liners. Is this the right letter???? Have better ideas? Really need to know the right approach. HELP please. Thanks!
