TU - gotta love 'em

[DocDon]

O.k. team, I called TU last week and the rep could not even access my account. She told me it was marked "priority" and connected me to another number where I got someone's voice mail.

Today, I pulled my report, and not only do I have a new file number, but in the "Consumer Statement Section" it states:

"Do not confuse with consumers of similar identification; verify date of birth and social security number". I certainly did not request that be put in my file, as it hampers the dispute process.

The only thing I can think of is they moved my credit history to a new file and put that "lock" on it as payback for turning them for not reinserting a tradeline that both myself and the OC have been trying to do since 09-2002. The dirty pricks.

I just got done disputing that BS entry online, and was looking to see if any of you have had this same thing happen for being overly agressive with TU. The dirty pricks.

[Xanathos]

TU is the WORST, IMO. They're the only CRA still giving me drama on my disputes with their "we don't have to do this" or "we can't do that" garbage..

I'm almost looking forward to a few days from now when their 30 day clock expires and I get to start hitting them over the head with a rolled up copy of the FCRA.. the bastards.

G'luck to you in getting that thing off your comments section. The way they worded that makes it sound like quite the headache

[Waxworks]

Speaking of TU..............I have alot of collections that are PAID, but they are showing up as OPEN. I try disputing them as being OPEN, and TU says they are PAID, and that is all that matters.

I try then complaining to how I can order a 3 in 1 report, and ONLY TU says I have open collections, while the others say they are closed. I have also been told by the credit killers (banks) that they see the same as I am seeing, but why in the heck can't TU just agree with me, since it is MY report, and close the freaking accounts. THEY ARE PAID, BEEN PAID< and open collections KILLS ones debt/income ratio!!! :mad: :mad:

[fixerupper]

I have two more days left on my dispute with TU. I've heard back from EFX and XPN and while they weren't totally what I wanted, I at least heard back from them. TU wants to walk the tightrope, that's fine - I'll see them hang just as easily!

[Anonymous]

<blockquote>Originally posted by fixerupper

I have two more days left on my dispute with TU. I've heard back from EFX and XPN and while they weren't totally what I wanted, I at least heard back from them. TU wants to walk the tightrope, that's fine - I'll see them hang just as easily!

</blockquote>

Kinda courious fixerupper, what was the letter you got from EQ & EX?

You can hammer them with a violation and ITS if they used a "tape" verification.

[Rainbowspal]

I am having problems getting TU to cooperate too. I've sent them the paperwork on a judgment from 1992 that they insist on keeping on my file even though the SOL(both sols) is long gone. These people are pissin' me off! they just totally ignored the court docs. RIGHT THERE IN BLACK AND WHITE!!!!

[Waxworks]

I got a direct line # for TU, Tore Up Credit Ripoff Agency. 610-546-4612

I called it, and they say there isn't anyone in that building to speak with, I beg to differ (TU owns the 610-546-46XX series of telephone numbers, this I am sure of. 9 times out of 10, when a LARGE COMPANY has a number ending in 00, they own the other 99 numbers, as well. Gives me an idea:D

[Edit by Waxworks on Tuesday, May 20, 2003 @ 07:26 AM]

[DocDon]

Well, this is interesting. This is from 2001, so I'm not sure if they still practice this, but if they do, it may explain why I'm having such a difficult time with TU. If they would have simply explained this tactic, it would have made life a lot easier.

"To suppress the improperly adverse information, Trans Union implemented a procedure called cloaking. Normally, when information reported to Trans Union is found to be inaccurate after reinvestigation pursuant to § 1681i, it is deleted. But unless the credit grantor involved also deletes the information from its monthly computer tape submission,(3) the information will be re-reported into the consumer's Trans Union file.

To avert such errors, Trans Union designed a procedure called cloaking. The cloak is a flag in Trans Union's computer system associated with the subject account. The cloaking flag prevents the deleted information from reappearing in a consumer's file even if the credit grantor fails to remove the inaccurate information from its magnetic tapes and resubmits the information. The cloaking flag remains in effect until the credit grantor has deleted the inaccurate information from its tape submissions for twelve consecutive months. At that point, Trans Union believes that the credit grantor has deleted the information permanently, and the cloaking flag expires automatically."

You can read up about the case at:

http://laws.lp.findlaw.com/getcase/5th/case/9960429cv0&exact=1

[Edit by DocDon on Tuesday, May 20, 2003 @ 12:19 PM]

[Anonymous]

TU won't even let me dispute my inquiries, just gave me addresses of the people who pulled and told me to contact them and get a letter and then send that letter and a letter from me to TU. isn't that their job?

[fixerupper]

Eddie,

I got the partial results from XPN & EFX. TransUnion sent me a partial one too, but they sent something. Now I get to go back to them and complain about them not replying to all my investigation requests from my letter.

[ericasf]

Speaking of TU, i received a letter last night from them telling me that they are not able to investigate inquiries. Unbelievable! Anyone else have this happen? :urgh: :urgh: :urgh: