Courtney Vaudreuil called today, and we talked about a number of issues.
I've been expecting Experian to buy CreditData SW, but it went right by me, as of September Experian handles all disputes. However, claims prior to September remain separate, CD SW still exists as a separate corporation.
Courtney wanted to know what my remaining claims are, and I can't even begin to list them all.
I tried to dispute the Cap One missing limit recently online and my dispute was refused. She told me that's because I'm in litigation and disputes are to be directly submitted to the attorneys, i.e. her.
Strangely, I specifically mentioned the Cap One limits in my complaint as well as numerous subsequent filings, but the limits are STILL missing.
What's one to do?
Courtney said she read my web sites and it's clear that I'm concerned with bigger issues than my credit report, but that the judge wants to focus on my credit report and that I should submit to her my report with the problems and work towards settling.
Well, there really are no other problems other than the limits and nitpicking over recent payments that aren't reported or are reported incorrectly, stuff like that.
I did tell her that I have numerous NEW problems since the filings, especially because CreditExpert now sells the ConsumerInfo.com INCOMPLETE reports since 1/21 or so.
Things aren't getting better, they're getting worse.
She suggested that I might be better off taking this to Congress, but of course I have to have a court order stating that it is legal to sell incomplete consumer disclosures first.
The judge ruled last week that he thinks the ConsumerInfo.com reports provide more complete information! All it takes is to count the data fields on the Experian report and then on the ConsumerInfo.com report, and the numbers will show that ConsumerInfo.com is deleting lots of data.
Here's a challenging calculation:
The FCRA limits the fee for the consumer disclosures to $9. Courtney wasn't aware of an increase.
ConsumerInfo.com (and all CRAs) sell tri-merged reports for $30+, sometimes $39.
Let's analyze this problem. A tri-merged report contains 3 consumer disclosures. 3 x 9 = 27
Soooo. Are we paying extra for the deleted data?
I have so many issues with Experian, ConsumerInfo.com and CreditExpert, I obviously have to prepare a supplemental complaint.
Posted by Christine at February 2, 2004 04:47 PM