Sen. Kay Bailey Hutchison
United States Senate
Washington, DC 20510-4304

January 11, 2005

Re: Seventh Update To October 14, 2004 Correspondence

Dear Senator:

The following is additional correspondence germane to my earlier letter of October 14. Transunion continues to stonewall, and Experian has yet to answer latest correspondence.

Furthermore, CSC Credit Services has yet to respond to my letter of complaint, dated November 7 and forwarded to you. Apparently, the criminals at this abusive corporation are egregiously stonewalling the issue and have no intention of responding.

The continued unsigned, canned, computer-generated form letter response of "credit" reporting agencies to all correspondence, and the clever shell game being played, is serious indication of the desperate need of congressional oversight and change. -- Criminals at Experian and Transunion have taken actions, regarding two fraudulent listings, directly opposite of one another.

… Proof-positive, the "credit" reporting industry is incapable of posting accurate information, serves only itself and the best interests of the business community. Certainly, not consumers. Sadly, the division in our once great country will only grow.

Sincerely,
 

Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609

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Transunion
P.O. Box 6790
Fullerton, CA 92834-6790

January 11, 2005

Re: File #129971556-Fraudulent Information Release-Transunion

Dear Sir or Madam:

Both of your gutlessly unsigned, outrageously untimely, canned, computer-generated form letters of December 30, 2004, received January 10, remain outrageously unresponsive to my earlier letter of December 17, 2004 to Transunion Consumer Relations located in Chester, PA.

Your use of three different mailing addresses and egregious failure to identify the sender of each piece of canned "correspondence" is cowardly and designed to hide the identity of the Transunion employees engaged in fraudulent criminal behavior.

Sadly, the tactical employment of anonymity used by all "credit" reporting agencies (CRAs) and the amusing shell game played by each to obfuscate the truth are highly indicative of the criminal nature and tactics used by Transunion and its "competitors." … Can't dazzle 'em with brilliance, baffle 'em with BS.

Clearly, you still do not verify accuracy of fraudulently released information. Had you bothered to do so, you would have immediately ascertained the telephone number fraudulently provided by Alltel is false. This writer has no phone. … Then again, don't confuse the criminals at "credit" reporting agencies with the truth. Right? Yet, you continue to fraudulently list the non-existent number. Why?

Experian has rightfully chosen to delete the fraudulent Alltel request for a credit check on the "credit" report, -- fraudulently and deceptively obtained by Alltel. Why haven't the fraudulent criminals at Transunion followed suit? While Transunion has indeed rightfully deleted the Datasearch listing, Experian has refused to do so.

The fact two "credit" reporting agencies can't agree, doing directly the opposite with two fraudulent listings, is proof-positive the "credit" reporting system is hopelessly fraudulent and grossly inaccurate.

Proof-positive, the "credit" reporting industry is incapable of posting accurate non-fraudulent information, serves only itself and the best interests of the business community. Certainly, not consumers.

… Amazing, the white-collar thugs at two major corrupt corporations can't get their fraudulent stories straight, isn't it? Would be laughable, if not so damned pathetic.

As stated in earlier letters, this entire criminal matter will apparently have to be resolved by the offices of U.S. Sen. Kay Bailey Hutchison, the Texas Attorney General, and the U.S. Attorney. It will also apparently have to be widely circulated in the media. The public must protect itself from the criminals at "credit" reporting agencies.

Kindly continue to send unsigned, computer-generated, outrageously unresponsive "correspondence" to continuing, unanswered criminal accusations. … Certainly, confirms the inherent, systemic corruption within Transunion. Sadly, criminal and congressional investigations of Transunion and other "credit" reporting agencies are desperately warranted and badly needed.

Without question, citizens must be protected from the criminal thugs at Transunion and other CRAs. Sadly, the fraudulent listings, (in this case alone at several different CRAs this writer is currently aware of), are staggering and impossible to correct without additional help from a U.S. Senator and the U.S. Attorney. -- Directly due to outrageous stonewalling, anonymity afforded criminal employees, and the amusing shell game played by the criminal thugs at "credit" reporting agencies.

While this writer has not, and will not ever seek credit, can only imagine what those that do must be enduring. … With "credit" reporting agencies who have absolutely no regard for truth and accurate reports.

Sincerely,
 

Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609

Cc: 1) Sen. Kay Bailey Hutchison
      2) Transunion Consumer Relations
      3) File