Wednesday, November 14, 2007
Trans Union FICO score up by 81 points after DATE CLOSED correction - TU subjects client to ID theft
Trans Union is just so incredibly screwed up.
It LOOKS like they retaliated against my client by changing her address to her OLD address from over a year ago. However, I’m 99% sure that this is the NORMAL Trans Union incompetence.
Nobody in their right mind would run a database with IMPORTANT data like the credit bureaus—without ANY automated error checking whatsoever.
Anyone with half a brain and a conscience would ensure that addresses are only changed when reported by a CURRENT creditor with an active account or upon notice by the consumer.
Apparently there is NO error checking at all.
Here is my fax to Trans Union:
To: Trans Union
Via fax to [redacted] – 3 pages
November 14, 2007
Re: Power of attorney [redacted] – TU file # [redacted]
To Whom It May Concern:
Attached is my client’s power of attorney.
Your 10/25/07 notice to me states that Trans Union sent the investigation results directly to my client. However, my client did not receive the results and she finally ordered her new myFICO report on 11/6/07.
Trans Union CHANGED the address on the credit report to an OLD address!
1) Please immediately correct the address.
My client’s 10/4/07 TU myFICO report had the CORRECT address. In September 2006, she moved to:
[redacted]
Please also mail your investigation results to this address.
2) Why did Trans Union change the address to an OLD address?
My client has many open accounts and all creditors should have my client’s correct current address.
If a creditor changed her address, please provide the contact information.
3) Please provide my client’s CORRECT address to all recipients of her INCORRECT address and especially to any entities that may be sending pre-approved credit offers to the incorrect old address.
The post-office forwarding order expired almost a year ago and Trans Union is subjecting my client to ID theft by selling her consumer credit data with the incorrect address to potential creditors.
Please implement procedures to prevent address changes to OLD and obviously incorrect addresses.
4) Please explain how the discharged Capital One account Date Closed was deleted.
The Trans Union credit report now contains the correct Date Closed.
The Trans Union FICO score increased by 81 points to 698.
Trans Union previously corrected this date in response to our dispute. What happened?
Will it be deleted again?
Does my client have to continually purchase Trans Union credit reports?
Is Trans Union going to reimburse my client for her time and expenses, including my fee?
I hope it doesn’t take a lawsuit to get substantive answers.
Sincerely,
Christine Baker
c: posted at [this URL]
I do NOT expect a meaningful answer nor do I expect that Trans Union will implement procedures to prevent incorrect credit reporting and incorrect addresses. And I certainly don’t expect Trans Union to reimburse my client for her costs.
Credit bureaus NEVER pay for THEIR mistakes unless they’re sued.
YOU get to pay for THEIR mistakes.
YOU have to waste your hard earned money on credit reports.
YOU have to waste your precious time on reviewing reports.
YOU have to pay for my services.
YOU will pay higher interest and insurance rates.
YOU will get declined and lose opportunities.
YOU have a great chance at getting a divorce, ending up in foreclosure and/or getting cancer from the stress over continual credit and financial problems.
That’s what they call justice and fairness in America - “the greatest country in the world.”
My client lives in Virginia and if one of the many attorneys reading here is interested in representing my client, please contact me.
2008 - 2009 FCRA - FDCPA violations • Trans Union incorrect Date Closed and address • (0) Comments • Permalink
