November 21, 2004
Re: Fifth Update To October 14, 2004 Correspondence
Dear Senator:
The following is additional correspondence germane to my earlier letter of October 14. The continued unsigned, canned, computer-generated form letter response of "credit" reporting agencies to all correspondence is serious indication of the desperate need of congressional oversight.
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
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Fraud Victim Assistance
Transunion
1561 E. Orangethorpe Avenue
Fullerton, CA 92831-5207
November 21, 2004
Re: File #129971556-Fraudulent Information Release-Transunion
Dear Sir or Madam:
Your gutlessly unsigned, canned, computer-generated form letter of 11-9-04, received 11-20-04, is outrageously unresponsive to my letter of 11-2-04. You continue to falsely justify criminal release of personal information, and have not agreed to add the submitted File Explanatory Statement to future fraudulently issued reports. … A File Explanatory Statement well within FCRA guidelines. -- Both issues, in direct violation of FCRA.
Clearly, you 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?
Apparently, this intentional continued criminal activity will have to be resolved by the offices of U.S. Sen. Kay Bailey Hutchison, the Texas Attorney General, and the U.S. Attorney. … As well as news agencies. For your amusement, the latest correspondence to Experian has been attached.
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Sen. Kay Bailey Hutchison
2) File
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Experian
Consumer Fraud Assistance
P.O. Box 1017
Allen, Texas 75013
November 21, 2004
Re: Report Numbers: 3845841537; 1831351926; 0624180747-Fraudulently Altered File Explanatory Statements
Dear Sir or Madam:
Your gutlessly unsigned request for a telephone conversation, dated 11-15-04 in response to the attached letter of 11-9-04, is outrageously unresponsive and a waste of time as proven by the earlier completed telephone call of October 6.
Regardless, your criminal alteration twice of the File Explanatory Statement remains unchanged, unresolved. So does your criminal release of information.
As stated in the attached letter of 11-9-04, 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.
Outrageously, you continue to fraudulently release a false, fraudulently altered File Explanatory Statement written by one of the criminals employed by Experian, -- that amusingly continues to contain grammatical and spelling errors, and equally outrageous intentional obfuscation of the truth.
The fraudulently altered statement remains yours, not mine, and is an outrageously false criminal alteration of the submitted File Explanatory Statement. … In substance, content, and truth. Sadly, since this fiasco has become a criminal matter, all contact must remain written, a generated paper trail.
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Sen. Kay Bailey Hutchison
2) Transunion
3) File
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Ms. Hernandez
Experian/Disputes/NCAC
P.O. Box 9701
Allen, Texas 75013
November 9, 2004
Re: Report Numbers: 3845841537; 1831351926; 0624180747-Fraudulently Altered File Explanatory Statements
Dear Ms. Hernandez:
Your second "revised" File Explanatory Statement is, once again, an outrageously fraudulent and grossly inaccurate alteration of the original statement provided. Both "revisions" are fraudulently inaccurate, contain grammatical and spelling errors, and falsely represent the unresolved issues.
Your fraudulent and inaccurate "revisions" of the original File Explanatory Statement are proof positive Experian has absolutely no regard for the law, -- especially since the original statement submitted was well within FCRA guidelines.
Your deliberate violation of the law is indicative of the profound unfitness of Experian to process and disseminate accurate information. Your outrageous distortion and fraudulent alteration of the File Explanatory Statement twice is further indication you are covering up criminal activity, not only of your corrupt corporation, but that of equally lawless "creditors."
The fraudulently altered File Explanatory Statement is yours, not mine. To publish it as mine is outrageous and criminally fraudulent. Sadly, Experian is no more than a liar. … Who is the Experian employee responsible? -- You, Ms. Hernandez?
Your cynical request and requirement of further highly personal information to process any additional File Explanatory Statements or Fraud Statements are grossly outrageous and will not be honored, now or in the future. … Particularly comical and especially outrageous, since Experian has repeatedly fraudulently released information and fraudulently altered the File Explanatory Statement. -- How do I protect myself from fraudulent criminal bastards such as Experian?
Your request for additional unnecessary information is bogus and clearly no more than a deliberate cynical roadblock to issuance of accurate reports. Pointedly, put the "request" where the sun doesn't shine. The false craftily-engineered "requirement" of additional personal information to add additional statements is no more than a naked attempt to muzzle and control content, and discourage their inclusion. -- To protect yourselves and your equally criminal "creditor" clients, not verify my personal identity. You know damn well who the hell I am.
Your gutlessly unsigned canned computer-generated reports still contain false statements. Your continued false assertion this writer specifically requested an ID Security Alert is particularly amusing, -- especially since Experian continues to be directly involved in criminal fraudulent activity regarding dissemination of my personal information and fraudulent alteration of my File Explanatory Statement. It also directly proves you have absolutely no regard for the truth.
You state on p.1 of the 11-3-04 report: "We have added a fraud victim statement to the personal credit report" that "will remain for seven years." Where is it? Is it the ID Security Alert you assert will remain in effect for 90 days on p. 4? Why the meaningless double talk? … If you can't dazzle 'em with brilliance, baffle 'em with BS?
Regarding the ID Security Alert that I did not write and did not specifically request, kindly extend it permanently, since this writer has not, and will not seek "credit." Your reneging on permanent removal from mailing lists is equally criminal, and highly indicative of your utter disregard for the law.
Your continued brazen fraudulent criminal activity is an issue that will have to be resolved by the Federal Trade Commission, offices of U.S. Sen. Kay Bailey Hutchison, the U.S. Attorney, and the Texas Attorney General. It is also a matter that will have to be brought to the attention of the news media, -- particularly 60 Minutes, Dateline, as well as the news departments of the major networks. You will be exposed for the fraudulent criminal bastards you clearly are.
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Sen. Kay Bailey Hutchison
2) File