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Class actions

Friday, May 11, 2007

Robert V. Townes, IV v. TransUnion, LLC and TrueLink class action proposed settlement

A reader just sent me the notice, thank you!

The details are at http://www.townessettlement.com/

It appears to be the exact same scam settlement as Hillis / Slack v. Equifax and Fair Isaac.  Of course I will object and I’ll post a detailed analysis later.

Wednesday, May 02, 2007

5/2/07:  My Hillis v Fair Isaac + Equifax settlement objection, declaration and exhibits

I hate when I don’t even have time to proofread a printout of my filings, but what can I do? 

5/2/07: My objection, declaration in support of my objection and exhibits

I copied objector Helfand’s format and limited my objection to new and additional points.  It definitely made it much easier having something to work off.

Even if you’re not interested in legal stuff, I highly recommend that you read the part about Suze Orman’s horrible advice.  Orman and Fair Isaac effectively conspire to act on behalf of debt collectors instead of providing to customers the advice they promise.

Of course I expect the substance of my objection to be ignored like just about every other filing I submit to the courts.  That’s why I’ll send out a press release next week, after reviewing the other objections that will hopefully be filed.

I didn’t mention Equifax enough, but that’s of course because I don’t order any products at Equifax directly and I require that my clients also order at myFICO.com.

I also forgot to mention a few issues, but I just had to get it in the mail.  And I requested that the class counsel send me the entire file, everything that’s not posted online as per my request.  Don’t know whether I have a RIGHT to all documents, but it seems that as my attorney, they should have to give me everything. And maybe it’ll encourage them to post it all at a free website. 

I’m especially interested in the discovery, for $4,000,000 in attorneys fees there ought to be some interesting stuff. 

Update 5/13/07: attorney Helfand’s objection, the complaint and some filings

I’m not a lawyer, my objection is based on my credit expertise and common sense, attorney Helfand presented LEGAL arguments.

Monday, April 30, 2007

Hillis v Equifax + Fair Isaac class action - certificate of service and court address

As promised, I just posted my certificate of service and the court’s address

For the objection I’m using the same first page as for the certificate of service.  Please let me know it there are any typos or other screwups—as always, I’m not an attorney.

The preliminary listing of objections:

1) That they will to post all documents at a public website
2) That nobody should be included unless benefits are received—only class members who apply for the benefits are prevented from suing
3) That if I have to opt out, I want the opportunity to do so AFTER the settlement is final
4) I’ll mention many of objector Helfland’s issues
5) ScoreWatch is worthless to most class members
6) The so-called benefits are nothing but a marketing campaign for the defendants

Almost forgot, the Garden City Group was the settlement administrator for my DirecTV nightmare, they’re NOT qualified.

Exhibits:  The current Suze Orman offering of personal advice and the false and misleading advice provided by the software generated credit report review at myFICO.  Helfland did a good job including Equifax website printouts.

Hillis v Equifax + Fair Isaac class action settlement OBJECTIONS due 5/4

I finally started on Saturday to work on my objection, every day comes with new exciting emergencies to keep me from getting this done.

And just now I updated the Hillis topic at CreditLitigation.org

There’s the moronic objection of Robert C. Rollings, either an employee or shareholder of the defendants or one of the world’s dumbest people, objecting on the grounds that this is a frivolous suit.

Fortunately, there’s also the excellent OBJECTION to the Settlement and Attorneys’ Fee Request and Notice of Intent to Appear by Steven F. Helfand.

Apparently he is a San Francisco attorney and USED to have a website, here’s the Google cache.

“Recover your investment losses”

I sure like his commitments to his clients.  Can’t get that kind of service from the consumer “advocate” attorneys.

I’ll be joining his objection and add a few more issues.

I certainly hope that there will be more objections, but the lawyers (just like me) usually wait till the last day.  I can’t even get guaranteed overnight delivery from my rural location, so I’ll have to get it in the mail by Wednesday at noon.

I will post the addresses for the court and word formatted doc and the proof of service for you to use by tomorrow.  If you’d like to submit your objection, you can just copy/paste and in the meantime work on your content.

I really wish I had more time for this.

Tuesday, March 13, 2007

myFICO ScoreWatch FRAUD - no notifications for 75% of inquiries

On 3/5/07 I applied for a mortgage.  Thought maybe the ScoreWatch notification is in my junk, but I just looked online and my last alert was on 3/3/07.  So it’s been OVER a week and ScoreWatch has yet to notify me of the mortgage inquiry.

Standard alerts

You will be alerted when the following changes are detected on your credit report:

Change of name or address
New accounts
New inquiries from applications for a new account
Changes in account status
New public records or debt collections
Changes to existing public records or debt collections

Obviously, I’m not getting what I PAID for.

It appears that I started my ScoreWatch subscription on 4/10/06.

My Equifax inquiries:

3/5/2007 NCO GROUP
8/24/2006 HSBC NV
6/28/2006 UNIVSAV BK
4/24/2006 GEMB/LOWE

For the 4 inquiries, I only got ONE alert:

8/25/2006 HOUSEHOLD CREDIT
Inquiry date: 8/24/2006 Show/Hide Details

ScoreWatch FAILED for 75% of my inquiries.

It’s as buggy as the FICO credit scores and reports.

It would be helpful if YOU could document ScoreWatch bugs too, as I’m obviously going to bring this up in my objection to the proposed settlement.