February 8, 2005

Re: Eleventh Update To October 14, 2004 Correspondence

Dear Senator:

The following is additional correspondence germane to this writer's earlier letter of October 14. Experian continues to fraudulently post a File Explanatory Statement submitted by this writer that was outrageously and criminally altered by one of its employees, now falsely, inexplicably, and ludicrously re-labeling it a "Creditor's statement." It is time for a criminal investigation and prosecution.

Transunion continues to stonewall. Furthermore, CSC Credit Services has yet to respond to an earlier 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 criminally clever shell game played, is serious indication of the desperate need for congressional oversight and change.

-- Criminals at Experian and Transunion until January 12, 2005 had 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.

To date, the issues, including the criminal alteration and fraudulent posting of the File Explanatory Statement, remain unresolved. Why hasn't your office pressured an outrageously unresponsive Federal Trade Commission to thoroughly investigate these matters?

If not the Commission, precisely who in government is responsible for investigating and prosecuting individual complaints against criminal employees of "credit" reporting agencies?

Finally and respectfully, are you and your equally unresponsive colleagues politically beholden to the "credit" reporting "industry?"

Sincerely,
 

Tim Chorney, Publisher
Liberty In Peril
Formerly, The Llano Ledger
P.O. Box 997
Buchanan Dam, Texas 78609

Cc: File

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Experian
Consumer Fraud Assistance
P.O. Box 1017
P.O. Box 9532
Allen, Texas 75013

February 8, 2005

Re: Report Numbers: 3579795158; 3845841537; 1831351926; 0624180747-Fraudulently Altered File Explanatory Statement-Fraudulent Postings

Dear Sir or Madam:

Your unsigned, computer-generated, form letter, dated February 3, 2005 with a P.O. Box 9532 return address this time, is unresponsive to this writer's letter of January 28. Worse, on p.2 under "Your personal statements(s), you continue to knowingly and fraudulently post a File Explanatory Statement that was criminally altered by an Experian employee. Ludicrously and inexplicably this time, however, you knowingly, fraudulently, and criminally re-labeled it a "Creditor's statement." It is not.

As you also know and as repeatedly stated, the original File Explanatory Statement had been submitted by this writer in response to a fraudulent listing by Datasearch at behest of Baptist Air Life. This assertion is backed by months of written correspondence, -- all to be forwarded to the Texas Attorney General and U.S. Attorney. Since this fraudulent listing has finally been rightfully removed, why is the fraudulently altered File Explanatory Statement still on the report? This time, fraudulently and falsely attributed to a "Creditor."

… Without question, this knowingly false posting, ludicrously and falsely attributed to a "Creditor", is a new crime committed by an Experian employee that will be reported to authorities. -- Amusingly at this late date, why falsely label a File Explanatory Statement criminally altered by an Experian employee, a "Creditor's statement", and then ignorantly post it under "Your personal statement(s)?" … Aggressive stupidity? Aryan arrogance? Both?

Again, you fraudulently released an outrageously false, fraudulently altered File Explanatory Statement written by one of the unidentified cowardly criminals employed by Experian, -- that amusingly continues to contain grammatical and spelling errors, and equally outrageous intentional obfuscation of the truth. Now, in a novel criminal twist, you comically and falsely attribute it to a "Creditor." Which "lucky" "Creditor?" Which one? There is none. Once again, an Experian employee criminally lied, deliberately fabricating and posting false information.

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 be widely circulated in the media. The public must protect itself from the criminals at "credit" reporting agencies.

Kindly continue to foolishly send additional criminal evidence of your ongoing, fraudulent record tampering activities. -- Unsigned, computer-generated, canned form letters from multiple Experian addresses containing knowingly false, criminally altered, and fraudulently re-labeled Experian-manufactured "information."

Without question, your relentlessly constant stonewalling and continuing criminal activity are proof positive "credit" reporting agencies are outrageously abusive, grossly unresponsive, hopelessly inept, and pathetically incapable of posting accurate reports.

Sincerely,
 

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

Cc: 1) Sen. Kay Bailey Hutchison
      2) File