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My email to TU attorney Cox regarding refusal to investigate disputes10/20/09 up

It is unbelievable that Trans Union refused to investigate DESPITE the fact that my client mailed a copy of his drivers license and bank statement to Trans Union.

Ms. Cox,

Since I didn’t receive a response to my 9/22/09 email below, I’m filing another lawsuit against Trans Union and Verifacts today.

In other matters, Trans Union failed to investigate my client’s disputes TWICE, claiming that he needed to document his address. 

Attached are:
* my client’s power of attorney
* the Trans Union 8/6/09 refusal to investigate his disputes of the AFNI and Kenneth Eisen accounts.
* the copy of the drivers license provided to Trans Union
* the copy of the bank statement provided to Trans Union
* the Trans Union 9/22/09 acknowledgement of receipt of his documentation, but again refusing to investigate for unspecified reasons.

I certainly would like to know WHICH document was not a “qualified” document as per the Trans Union 9/22/09 notice:

Re: Proof of Address Unacceptable - Reason # 3

We have received the documents you supplied for proof of your current mailing address: however. the document(s) were
unacceptable due to one or more of the following reasons:

Reason #1: One or more of the documents provided was too old. Refer to the time frames listed below.
Reason #2 : One or more of the documents provided was illegible.
Reason #3 : One or more of the documents provided was not a qualifying document. Refer to the list below.
Reason #4 : Only one form of proof was provided. Two (2) qualifying documents are required .

The other credit bureaus investigated my client’s disputes without the delay tactics Trans Union implemented to ensure maximum inaccuracy of credit reports and subsequent increased profits.

While AFNI should be deleted by now as per their notice, my client received no response to his dispute with Kenneth Eisen.

We need to ensure that both collections have been deleted as my client needs to finance a new vehicle.

I will greatly appreciate a response and hope that it doesn’t take another lawsuit to get our questions answered and this matter resolved.

Sincerely,

Christine Baker

c: posted at http://creditsuit.org/ and other websites

Interestingly, Trans Union also sent a notice refusing to investigate Afni because it was previously verified.  Unfortunately, my client had signed up with a credit repair service and as usually, they refused to provide the disputes they sent out on his behalf.  That the regulators allow credit repair scammers like Lexington to often PERMANENTLY damage consumers’ credit ratings is just so vile.

Afni was going to be my next FTC complaint (for another client) and you can read my email to Experian attorney Chang about the Afni reporting.  I never received a response from Experian, but since Afni promised to delete, LHR will be the next FTC complaint.  Have some updates on LHR too and hopefully have time to post tomorrow.

I was going to file the lawsuit against Verifacts and Trans Union last time I was in town, but forgot the original signature page in my copier.

10/20/09 UPDATE:

Ms. Baker,

Since this is pertaining to another consumer, you need to contact Trans Union directly.

That was the entire response!  I’m sure glad I filed my lawsuit last Friday.

My client is going to meet with his credit union later this week and if there is a problem or he doesn’t get the best rate, he can file suit and he’ll have serious damages.  Having to contact Trans Union directly is quite time consuming and I’m not going to do it free of charge.  Trans Union seems to enjoy the publicity—I’ll post my complaint ASAP.