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ConsumerInfo.com - incomplete reports

Tuesday, September 25, 2007

My appeal brief regarding the Experian perjury and American Agencies

9/21/07 opening brief

The longer I worked on that brief, the more pissed off I got.  I have no idea how I can even deal with all this BS, the lies, lies and more lies, perjury, and judge Broomfield not giving a damn.

Nobody can imagine how fed up I am.

Been working on a new website just about the Experian perjury and I will be sending out a press release, hopefully next week.

It’s amazing how it’s all so totally depressing that I really didn’t deal with it until I had the appeals deadline.  I’m thoroughly motivated now.

Enough is enough!

Wednesday, April 04, 2007

Court refused to seal the Experian unredacted credit reports until I dismissed all claims

Since I’m already having a horrible day, I might as well finally post about one of my all-time most depressing litigation experiences.  For several days I’ve been waking up in the middle of the night, worried about what to do about this, since the deadline for appeal is approaching. 

On 8/30/06, Experian and ConsumerInfo.com filed their motions for summary judgment, including numerous UNREDACTED credit reports.

Equifax and Cap One also filed my personal data last year in spring and the court always immediately removed the documents, filed a notice of deficiency and made them redact all personal data when I called.  They even found personal data that I missed!  They did an excellent job.

However, when I noticed in September that Experian and CIC had filed UNREDACTED reports and I called the court, they refused to do anything and told me that I had to file a motion. 

On 9/12/06 I filed my MOTION to Enforce Privacy Rules and to remove Plaintiff’s credit reports. Judge Broomfield ruled:

ORDER granting in part and denying in part 317 Pla’s Motion to Enforce Privacy Rules and to Remove Credit Reports filed by Dft Experian Information Systems. More specifically, it is ordered that Dft Experian Informatin Solution, Inc. redact the month and date of Pla’s birth from exhibits 4 and 5 of the Hughes’ Declaration 316. IT IS FURTHER ORDERED that in all future filings in this action Dft Experian Information Solutions, Inc. shall fully comply with the Manual’s privacy section. IT IS FURTHER ORDERED that Pla’s motion 317 is denied to the extent she is seeking “the indentity of any PACERS users who may have accessed her credit reports”. IT IS FURTHER ORDERED that in all respects Pla’s motion 317 is denied . Signed by Judge Robert C Broomfield on 9/15/06. (LSP) (Entered: 09/18/2006)

I have NO idea why he only ordered the removal of my birth date on TWO reports, several of the reports had ALL my personal data, including drivers license #, birth date, home phone, every address any creditor reported in the last 20+ years, and the first 7 digits of my social security number—and of course all my account data.

I filed a motion for a protective order (denied) and my motion for reconsideration, also denied. 

When I got that order, I cried my eyes out and submitted my Notice re Offer to dismiss with prejudice all claims against Experian and ConsumerInfo.com in exchange for removal from public access of all credit reports filed by Experian and CIC.

Of course they accepted and on 3/16/07, the court terminated the case and finally sealed my credit reports.  I still have to upload all the filings and exhibits, obviously I couldn’t post about this while my entire credit reports were available for download from PACER at 8 cents/page.

I would like to appeal the orders regarding my credit reports, but I don’t think I can afford another $455 right now.  Not to mention that I got enough litigation going as it is.

And I’d also like to file a new suit against the court, Experian, ConsumerInfo.com, Jones Day (I notified one of their partners a few months ago and hoped they’d take some action, which they didn’t) and Marc Carlson.  One of my claims against Experian was that they provided my credit data to persons without a permissible purpose.  And then they provided my reports to the GENERAL PUBLIC on PACER in order to get me to dismiss my claims.

I have no idea why the court changed its policy in 2006 regarding the filing of personal identifying data, why did I have to file a motion?

Why did judge Broomfield deny my requests to have ALL reports redacted?

What gives anyone the right to file a consumer’s credit report for access by the public?

Can I post Marc Carlson’s, judge Broomfield’s and the Experian and Jones Day executives’ credit reports too?

I’d really like to get a writ of mandamus to require the court to prohibit the filing of any consumer credit reports, in my case it definitely was not necessary to file entire reports and if it IS necessary, they should be filed under seal.  But this is all way beyond my legal skills.

Additionally, the court should be ordered to IMMEDIATELY remove all docs containing personal data upon ANY notice, including a phone call.  Why should a COURT be allowed to knowingly subject me to ID theft?

I’ll try to post the filings soon—appreciate any suggestions. 

Sunday, June 18, 2006

6/17/06 amended complaint against Experian and ConsumerInfo.com

For the 2003 suit:

The amended complaint

Monday, April 17, 2006

My notice of discovery deficiencies and depositions to Experian and CIC

4/16/06 Notice of Experian discovery deficiencies and depo Kimberly Hughes

4/16/06 notice of CIC discovery deficiencies, I don’t even know who depose, got no verification

Sunday, April 16, 2006

The Experian and ConsumerInfo.com discovery responses

The scans

I really don’t get the discovery process and all these objections.  I’m going to have to depose Kimberly Hughes, the Experian “Consumer Affairs Specialist” who signed for the Experian responses and supplied the declarations for Capital One and American Agencies.

Ms. Hughes doesn’t know what the “credit limit” is in the context of credit reporting and did not provide a single meaningful response.

She signed the verification under penalty of perjury under the laws of the State of CALIFORNIA in Allen, Texas and that she is “informed and believes” ....  this is so much BS.  Lies, lies and more lies.

I suppose I’ll be going on a road trip to Texas for the depo, hopefully in a few weeks. 

I wrote to the new Experian attorney Marc Carlson on 4/4/06:

… I have some issues with the Experian responses to my requests, but I’ll be busy until later this week.  Maybe we can schedule a phone call or I can e-mail you the issues.

Please let me know what you prefer.

Christine

Just as with my discovery questions, it appears that I’m unable to communicate anything.  I didn’t get a response.

The correspondence with Experian

So I’ll try this one more time.  I really don’t appreciate being ignored.  I’ve heard that this is not unusual with Experian.  Are so many consumers taking my advice and suing?  Or it’s just Experian’s way to wear litigants out?

I don’t care what it takes to get answers, I’ll gladly spend $2,000/day for the video depos and rephrase my questions and explain terms like “credit limit” until she gets it.  It’s a disgrace that apparently she is the “most qualified” person at Experian and I’ll be very upset if I travel all the way to Texas and spend that kind of money to find that she’s a clueless bimbo who just signs whatever the attorneys send her.  Of course ultimately Experian should be footing the bill, but I have only so much cash.

The NACA attorneys so sold out.  I sure wish I had just a bit of a clue about discovery and objections, but the discovery responses and video depos should at least provide a good starting point for all you consumer litigants.

I have no verification for the CIC responses, so I don’t even know who to depose.