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Ok, here's the Trans ITS letter- LONG

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Let me know if you have any suggestions/comments/beatings =) Ect.


May 28, 2003


PO Box 1000

CHESTER, PA 19022-2001

To Whom It May Concern:

I am writing you concerning your recent illegal refusal to investigate what I believe to be a fraudulent entry on my credit report.

Please find below the original mailing delivered to your office on April 25th.

( Previous deletion letter + tracking # )

As you can see, this was received by you over 30 days ago. I placed a call to TranUnion on May 27th, 2003 to request the status of the investigation. I was informed by NAME CHANGED TO PROTECT THE FOOLISH (she would not provide any further identification, said she was the only one in the California office and that would suffice to verify her identity) that TransUnion sent me a letter stating that a credit repair clinic had requested an investigation, and that TransUnion did not start the investigation due to that fact.

First and foremost, I, Mickey Mouse, personally sent the request for investigation, nor did I receive any mailings from TransUnion stating there was any problem with the dispute. While that is the fact, what if I had provided power of attorney to my legal counsel in order to resolve this issue? Would TransUnion still have ‘sent a letter’ to me and not started an investigation as they are required to by the FCRA?NAME CHANGED TO PROTECT THE FOOLISH from your office was unable to provide me proof that any mailing from your office was sent to me, as she did verify my correct mailing address. I will therefore assume it is a simple misunderstanding on your part and that you will immediately remove the erroneous information from my credit file.

Let me re-state that I am no longer requesting an investigation of the incorrect information. Both Experian and Equifax deleted this bogus information within the statute mandated 30 days, as neither they nor I have received any proof from Superior Asset Management that this debt is indeed mine. I am demanding immediate deletion of this information, and notification of said deletion.

Failure to do so will necessitate my filing of suit for violation of the Fair Credit Reporting Act and Defamation, and my seeking the full amount of $1000 for this violation.

Thank you for your prompt attention to this matter.



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I thought about taking that route with them, but it just didn't seem like a very good defense to me--that this very important letter just happened to get lost in the mail. I just don't see how a judge would believe a multi-billion dollar corporation would lie about sending out a letter, or that it mysteriously vanished..

I went the route of "Yeah, I got your letter, and I wasn't obligated to reply to it, delete my crap anyways, you twits". Seems a better course of action, IMO.

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