Trans Union AGAIN verified incorrect Cap One DATE CLOSED - tortuous interference with my business!
I wrote this posting yesterday, but then got busy with writing my TU response to the objections to my evidence and I just filed. Will post the filings tomorrow.
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I’ve just about had it. Trans Union finally sent the latest investigation results and they did NOT add the Capital One date closed.
Recently I posted about Chase suing a debt elimination company for tortuous interference with its business.
I’m thinking about amending my complaint against the CRAs to include new claims of tortuous interference with MY business. I’m the most experienced and qualified person to improve FICO scores NOT by trying to have derogatory accounts deleted (and often lowering the FICO scores due to those deletions), but by having incorrect data CORRECTED or having missing data ADDED. But the credit bureaus just ignore factual dispute after factual dispute.
I SHOULD be able to guarantee my average client that for $250 to $500 they WILL get the credit they deserve. The CRAs are obligated BY LAW to provide complete and correct consumer reports.
I DOUBLED my rates in January because it is so stressful to work with people with limited funds who are struggling to get by and who can’t afford to pay for numerous credit reviews, FICO score analysis, review of investigation results and drafts for 2nd and 3rd disputes which the CRAs often entirely ignore.
I’m thrilled every time a client files a lawsuit, but it just rarely happens that someone with credit problems has the money to retain a competent attorney. And the attorneys always settle quickly. After all, they have “working relationships” with the CRA and major creditor attorneys and they are mostly interested in quick and easy settlement checks for their attorneys’ fees.
I feel like I have entirely WASTED thousands of hours of unpaid research.
I have the expertise, but I can’t help people get the credit they deserve. Trans Union even wants PROOF for basic credit scoring principles.
Shouldn’t the 3 major credit bureaus have a bit of a clue how their products are used?
I’d be happy to know that they haven’t trained monkeys to process the disputes. Lately I’ve had reason to wonder about that.
Over the last year or two, all CRAs have implemented new procedures to not correct LOTS of OBVIOUSLY incorrect data. Maybe their employees don’t actually read the disputes, maybe they don’t speak English? Maybe the CRAs recruited monkeys?
The CRAs’ failure to comply with the FCRA is putting me out of business. I can draft disputes till hell freezes over and about half my clients NEVER get the corrections for at least one major score lowering account on one report.
It’s not sufficient to bring the FICO scores to 630 from 580 when I know that the score should be around 700. Why be satisfied with 630, while the OTHER 2 bureaus are over 700? It takes only ONE creditor account review with the LOW score to have your interest rate increased, limit reduced or account closed.
What would you do if you took your car to a mechanic who has to perform the same repairs 2, 3 or more times because the manufacturers’ parts are defective?
What if half the cars in America could not get fixed at all after the owners spent hundreds or thousands of dollars on the installation of defective parts?
As I’m considering the “tortuous interference with my business” claim and that’s an area of law I know nothing about, I appreciate any feedback.
Posted by Christine on 03/17/2008 at 11:03 PM
2008 - 2009 FCRA - FDCPA violations • Trans Union incorrect Date Closed and address • 2007 Inquiry suit • Trans Union • (0) Comments • Permalink
