This is a good tale of woe.
I submitted a letter of dispute on two tradlines along with a letter from each the originating creditor stating the trade line should be deleted. Trans Union replied to my letter with a standard form indicating they investigated the disputed issue and found substantiating information that superceded the letter from the creditor.
Well, this made no sense to me so I sent follow up letters requesting what information they needed and why the documentation from the originating creditor isn't valid. One every 30 days for a solid year.
Now, although blonde, not too dumb because I kept following up with the originating creditor who now thinks I am insane and I have multiple letters indicating hte instructed Trans Union to delete the trade line. The FTC has no backbone, and a lawyer asked for a retainer I can't afford to pay to bring them to court.
So eventually I call Trans Union and complain about their haphazard responses to the documentation provided. No surprise when the guy tells me they never received any correspondence from me. So I get a physical mailing address and send it Fed Ex so I have a signature on file proving they got the paperwork.
Now I get a letter stating the trade line was already investigated and they won't investigate again.
I of course call and complain. I'm told they labeled me a "troublemaker" because I was overly diligent in following up and riding their back to comply with the FCRA. They said will never investigate a claim unless I pay for it.
It is now I am told that if I pay $9.95 a month minimum for True Credit, I would get unlimited credit reports I could pull on line and I would have a "priority" status in rectifying all the errors on my CRA and that I would have the opportunity to conduct 3-way calls with the creditor (s) who are allegedly providing the false information.
So I authorize the service. I get the originating creditor on the line and the dispute department on the line and the creditor is telling the Trans Union Rep that they have requested the trade line be deleted because it doesn't belong to me and ownership can not be subtanstiated. The first creditor says they can not confirm identity, and the second creditor tells them my social is nowhere in their system (for a car loan) and I never had a loan with them. The car people said their records maintaining prior customer credit status goes back 20 years and I am not listed as being a customer.
Well Trans Union gets angry at the 3-way calls and I am told by the dedicated service rep in the fraud department, Lynette Fullwood that she doesn't have time for my "shit" and slams down the phone. I call her back and read her the riot act for the prafanity and I remind her I am now paying for this service and she will comply. I demanded her supervisor. Now, Lynette says she is the supervisor and I can't beleive for a New York Minute that she doesn't have a boss and there is no one higher up the foodchain.
Now in the meantime, Trans Union is providing my personal information to companies I don't know and have not authorized to receive my personal information.
I start digging and learn Trans Union defrauded me. I don't have to pay for these services and as far as protecting my identity, there are other third party services for the same cost that work with all three credit reporting agencies to protect your identity and provide ID theft insurance.
So I call immediately in October to cancel the service. I remove my credit card information from my on-line profile. They re-entered the information without my persmission onto my profile and continued billing. Every month I cancel and every month, they refuse to accept cancellation.
Ben, with True Credit, who alleges he is the head honcho with no bosses or supervisors above him threatened that if I canceled he will tell my bank to close my credit card and ATM card they have on file.
I called the bank and he can't do that, but they also said the only way to stop true credit is to get all new account numbers. Both banks will charge a $25 fee to do this.
Writing to the Attorney General's office to try to get a better solution.
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