TU Changes Inquiry beforecourt date

Discussion in 'Credit Talk' started by xyz, Sep 10, 2003.

  1. xyz

    xyz Member

    Just before my court date this summer Trans Union via Next Day Mail sent me an updated credit report (supposedly for dispute results unrelated to the lawsuit) in which

    ·a hard inquiry from the Spring and part of
    the damages of denied credit changed from
    VISA to CHECK CENTER. The date of the hard
    inquiry remained the same.

    · two disputed items that were deleted over
    18 months ago were suddenly reinserted

    ·a letter, that Trans Union included in the
    Next Day Mail enveloped, listing the
    accounts being reinserted was addressed to
    someone else (a name completely
    different from mine) that lived on the other
    side of the US.

    ·two accounts inaccurate information
    changed again with a charge off date now
    reporting a month prior.

    My small claims case was for FCRA Violations including failure to dispute or investigate, failure to provide actual verification procedures used, and failure to indicate items in dispute among others.

    This Spring I was denied a XXXXX Visa, received a denial letter from XXXXX and the hard inquiry on my TU credit report showed as XXXXX VISA. Trans Union also sent list of companiesâ?? names and addresses reporting to my credit report. Again the name was XXXXX VISA.

    This Spring TUâ??s attorney wanted to know my actual damages; I sent their attorney my denial letter. Also, Trans Unionâ??s attorney told me that I had to prove to him that the companies were not reporting accurately. Never mind that I provided to Trans Union copies of my CMRR postcards and dispute letters to the companies and the companies failed to indicate the account was in dispute as required per the FCRA Section 623. Or a company that was providing conflicting information to Trans Union. For example, last year I received a TU credit reports in which a company reported to TU two accounts were never late and the status was of the previous month. As in previous TU credit reports, the company had never reported the accounts never late. Then, the company reported the very next month both accounts were charged off, when the accounts in fact were not charged off at the date Trans Union was reporting.

    Thus, the company who reported to Trans Union 2 months after updating that the accounts were both never late, now the accounts were charged-off Keep in mind that a charge-off occurs after 180 days after being late. My previous credit reports weeks and months after the alleged charge off date do not indicate the accounts were ever late. And yes, the credit reports show updated as of previous month. I pointed out to TU and disputed the accounts that the company reported the account as never late and the next month reported the accounts were charged off which was impossible as a CO takes 180 days and the account was previously never reported late before suddenly reporting as charged off. TU just verified the info even though the TU credit reports refutes the information.

    But then, the Trans Union Credit Report I received right before my court date, the charged-off date (which previously was disputed and verified) now was a month earlier. Now the charged off date was the same month of a Trans Union Credit Report where it states NEVER LATE.

    I dismissed the small claims case before the hearing date and contacted the XXXXX credit card company regarding the Spring hard inquiry changing from XXXXX VISA to XXXXX/ CHECK CENTER. XXXXX confirmed in writing that the Spring inquiry was for a credit card and should appear as XXXXX VISA.

    I wrote and disputed to TU for a written explanation why the inquiry suddenly changed from XXXXX VISA to XXXXX/. CHECK CENTER but received a form response letter.

    The updated credit report for the dispute had the hard inquiry as XXXXX/ CHECK CENTER.

    Not to forget, but the Trans Union letter which listed the accounts being reinserted 18 months later, addressed to someone else who lived on the other side of the US stated:

    Re: xxxxxxxxx, xxxxxxxxx

    Trans Union deleted the information you disputed on your credit report because the source of the information did not response within the 30-day limit (per the federal Fair Credit Reporting Act) The disputed information has now been verified and reinserted in your credit report.

    Has anyone else had Trans Union reinsert previously disputed deleted items just before a court date?

    Has anyone else had Trans Union request your actual damages, request your denial letter and than suddenly change your hard inquiry to something else?

    Filing in federal or state court probably in future
  2. snakeman

    snakeman Well-Known Member

    Find a hungry attorney who has successfully sued one of the CRA's.

    Tell him what you told us.

    Get moving on it....

  3. xyz

    xyz Member


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