Trans Union fraudulent fraud alerts and refusals to provide telephone assistance

Many consumers have enormous credit problems due to old or entirely fraudulent fraud alerts and Trans Union has been refusing to provide any telephone assistance to me and many others. Trans Union prides itself in making life for military personnel overseas extra difficult by NOT offering toll-free numbers, refusing to provide free and even paid reports and refusing to investigate disputes.

(LITIGATION NEWS) November 30, 2005

To:

Clifton O’Neal
Media Contact
Trans Union
coneal@transunion.com

Re: Notice of Publication and Request for Comments re. Trans Union Fraud Alerts and Failure to Provide Trained Personnel in violation of the FCRA

Dear Mr. O’Neal:

I’m sending you this Open Letter because you are listed at the Trans Union (TU) web site as media contact and I am preparing to issue a news release about the TU refusals to provide me as well as many of my readers and clients with access to “trained personnel” as required by the Fair Credit Reporting Act (FCRA) and about the TU fraudulent fraud alerts.

On 11/28/05 I called to inquire why I have a fraud alert on my Trans Union credit report after I had specifically told TU attorney Amanda Lewis that I do NOT want a fraud alert on my report!

Fraud alerts are extremely damaging to consumers seeking credit, housing or any of the countless services requiring credit reports.

Trans Union has NO right to portray me to potential creditors as a high credit risk.

When I called Trans Union on 11/28/05 to inquire about the fraudulent fraud alert, the announcement at the 800-680-7289 on my report advised that Trans Union was open until 4:30 PM and that it was closed – at 3:32 PM.

I then made numerous calls to other TU numbers and I was repeatedly transferred to voice mails, hung up on by rude TU employees or hung up on by the TU announcement.  I posted a recording and more details are at TU is “busy” and simply hangs up

It is deplorable that TU deliberately ignores the FCRA and that it routinely refuses to provide assistance to consumers by telephone.

I’ll greatly appreciate answers to a few questions:

1) Why is TU closed at 3:31 PM despite the announcement stating that it is open until 4:30 PM?

2) Why are the TU reps refusing to discuss my report with me?

3) Why did TU’s Leslie promise on 11/28/05 that someone would call me the next day at 4 PM and nobody called?

4) Where does TU get the idea that consumers are to sit by their phones for literally DAYS to wait for a TU rep to call?

5) What is the procedure to remove fraud alerts and how long does it take?

6) Why does TU NOT provide toll-free numbers, e-mail and fax numbers to the men and women serving this country overseas?

Rather than supporting the troops, TU ensures that those willing to die in Iraq or Afghanistan have the worst credit, pay the highest interest rates and have the fewest opportunities to get corrections.

Trans Union has the audacity to demand utility bills and other documentation from military personnel.  Is there anyone with enough brains at Trans Union to understand that soldiers don’t have rent receipts for Saddam’s palace?  Does Trans Union really think that they get water and electric bills so they can prove to Trans Union who and where they are?

Does it take LEGISLATION for TU to do what’s right?

I appreciate your attention to these matters and I hope that you will get back to me by the end of this week as I plan on writing the press release this weekend.  Please do not ignore me, as that will force me to sue TU again and I am hoping to resolve these issues outside court.

Sincerely,

Christine Baker

c: posted at http://mylitigation.net/, http://creditsuit.org/, http://fight-back.us/ and other sites