March 9, 2005
Re: 13th Update To October 14, 2004 Correspondence
Dear Senator:
The following is additional correspondence germane to this writer's earlier letter of October 14. Transunion continues to stonewall as described in the attached correspondence.
Experian has apparently finally removed a fraudulently posted File Explanatory Statement submitted by this writer that was outrageously and criminally altered by one of its employees. Amusingly adding insult to injury, it was earlier falsely, inexplicably, and ludicrously re-labeled, as well, a "Creditor's statement" by one of the criminals at this exceptionally corrupt and abusive corporation.
… The word "apparently" was used above because Experian failed to send a copy of the updated report as indicated in the attached correspondence. Regardless, it is time for a criminal investigation and prosecution. Yet, your office remains silent.
Furthermore, CSC Credit Services has yet to respond to an earlier letter of complaint, dated November 7 and forwarded to you. Be interesting to see if they respond to the most recent correspondence attached. Apparently, the criminals at this abusive corporation are egregiously stonewalling the issue and have no intention of responding. Yet, your office remains silent.
The continued unsigned, canned, computer-generated form letter response of "credit" reporting agencies to all correspondence, as well as the criminally clever shell game played, is serious indication of the desperate need for congressional oversight and change. Yet, your office remains deafeningly silent.
You and your colleagues have allowed this nation-wide, population-wide fiasco to progress unchecked. Citizens do not know who has what information and where. No standards enforced. No one prosecuted on an individual basis. Not one piece of correspondence from these criminal corporations was personally signed. Not one.
-- The criminals gutlessly hide behind the mantle of anonymity. Yet, Congress remains silent.
Worse, Choicepoint considers itself an "intelligence" agency, since government and law enforcement routinely obtain private information from this outrageously abusive corporation. … Information that no citizen has knowingly or willingly given them permission to collect or disclose.
Now, a hacker has stolen Choicepoint data and created a false identity crisis for well over a hundred thousand consumers. With no federal law requiring this outrageous corporation to inform victims. Yet, Congress remains deafeningly silent.
-- As repeatedly stated in earlier correspondence, 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. Yet, Congress remains gutlessly silent.
Sadly, Senator, we live in a fascist police state. Aided and abetted by outrageously unconstitutional laws that egregiously violate privacy, civil liberties, and constitutional rights. -- Statutes such as the USA "Patriot" Act, Homeland "Security" Act, and a number of equally unconstitutional Executive Orders. … As Franklin wisely stated over two hundred years ago, anyone willing to trade liberty for security deserves and winds up with neither.
Sadly, Senator, you and your colleagues are part of the problem. To date, the issues, including the criminal alteration and fraudulent posting of the File Explanatory Statement, remain unresolved. Ignored.
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?
Better check your reports, Senator. Anyone is subject to the abuse and fraudulent activity these criminal agencies wantonly engage in. Reportedly, 70% of all listings are false.
Why have you remained publicly silent regarding all these issues? Why haven't you supported recent efforts of your colleagues to force change? … Or are you too busy considering a run for governor and supporting our corrupt and abusive business community at the expense of your constituents? Do you really think your indifference to privacy issues and constitutional rights will conveniently remain hidden from voters?
Finally and respectfully, Senator, are you and your equally unresponsive colleagues politically beholden to the "credit" reporting "industry?" Is that the problem? … Or is it only "generous" corporate lobbyist "bribes" that secure your attention and that of your fellow legislators?
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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Fraud Victim Assistance
Transunion
P.O. Box 6790
Fullerton, CA 92834-6790
March 9, 2005
Re: File #129971556-Fraudulent Information Release-Transunion
Dear Sir or Madam:
Your gutlessly unsigned, outrageously untimely, canned, computer-generated form letter of March 2, 2005 received March 8, remains outrageously unresponsive to this writer's earlier letter of February 17, -- and all others.
… Letters sent in response to your equally unresponsive correspondence of February 11, 2005, January 19, 2005, December 30, 2004, December 6, 2004, December 3, 2004, November 9, 2004, October 25, 2004, and September 29, 2004. Each an exquisite example of corporate stonewalling and systemic deception.
Your use of three different mailing addresses, egregious failure to personally identify the sender of each piece of canned "correspondence", is exceptionally 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 under false pretenses. Why haven't the fraudulent criminals at Transunion followed suit?
The fact two "credit" reporting agencies can't agree, doing directly the opposite with the same 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 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 regardless of outcome. The public must protect itself from the fraudulent criminals at "credit" reporting agencies. Predators, who must be exposed for what they are.
Kindly continue to send unsigned, computer-generated, outrageously unresponsive "correspondence" to continuing, unanswered criminal accusations. … Certainly, confirms inherent, systemic corruption within Transunion. Also, usefully provides further evidence of ongoing criminal activity. 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 who do must be enduring. … With "credit" reporting agencies that have absolutely no regard for truth and accurate reports.
Again, the continued unsigned, unresponsive, canned, computer-generated form letter response of "credit" reporting agencies to all correspondence, as well as the criminally clever shell game played, is serious indication of the desperate need for criminal prosecution. Be sure to kindly continue stonewalling, sending similarly fraudulent material so it all may be forwarded to the U.S. Attorney.
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Transunion Consumer Relations
2) Sen. Kay Bailey Hutchison
3) File
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Experian
Consumer Fraud Assistance
P.O. Box 9532
Allen, Texas 75013
March 9, 2005
Re: Report Numbers: 2911204134; 3579795158; 3845841537; 1831351926; 0624180747-Fraudulently Altered File Explanatory Statement-Fraudulent Postings
Dear Sir or Madam:
Your unsigned, computer-generated form letter dated February 14, 2005 indicates you properly and finally removed the File Explanatory Statement that was fraudulently altered by one of your employees.
You did not, however, provide confirmation by sending an updated copy of the report itself, -- so this may be verified. … Every other earlier letter from Experian has included a full copy of the report to provide confirmation of changes. Why not, this time?
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Sen. Kay Bailey Hutchison
2) File
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CSC Credit Services
P.O. Box 981221
El Paso, TX 79998
March 9, 2005
Re: Fraudulent Information Release-CSC Credit Services-Confirmation #4273037500
Dear Sir or Madam:
Your egregious failure to respond to this writer's earlier complaint dated November 7, 2004 is indicative of the desperate need for an investigation by the U.S. Attorney and Congress. Apparently, you answer to no one other than yourselves.
Your failure to remove fraudulent information, fraudulently obtained by Alltel and Baptist Air Life, is 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.
In the case of Alltel, an unauthorized, unrequested "credit" check was deceptively made without consent. … Despite informed of the fact this writer had no credit, sought no credit, and had agreed to make a cash deposit in lieu of credit. Alltel, nonetheless, fraudulently and deceptively ran a "credit" check without permission or knowledge of this consumer under fraudulent circumstances.
At no time was Baptist Air Life, Datasearch, Alexander Billing, or anyone else willingly or knowingly given permission to release personal or financial information to any party. At no time. Under any circumstances. In no condition to provide informed consent at time of hospitalization.
Your failure to add the File Explanatory Statement as allowed by law, in response to the fraudulently posted Baptist Air Life listing, is further indication of your indifference to law and accurate records.
What will it take to secure relief? A criminal prosecution?
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
Cc: 1) Sen. Kay Bailey Hutchison
2) File
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CSC Credit Services
P.O. Box 981221
El Paso, TX 79998
November 7, 2004
Re: Fraudulent Information Release-CSC Credit Services-Confirmation #4273037500
Dear Sir or Madam:
A complaint of fraudulent release of information against CSC Credit Services and several other credit reporting agencies has been filed with the Federal Trade Commission (FTC) and Sen. Kay Bailey Hutchison (attached.)
CSC Credit Services, along with the others, has fraudulently released personal information to a third party without my permission, informed consent, or prior knowledge. This writer is a burn survivor with no health insurance or assets. -- Still disabled from injuries and other medical problems.
At no time was Baptist Air Life, Datasearch, Alexander Billing, or anyone else willingly or knowingly given permission to release personal or financial information to any party. At no time. Under any circumstances.
In addition, Alltel Communications fraudulently ran an unrequested "credit" check on 9-17-04. (Complaint attached-Hutchison letter) CSC Credit Services, on that date, fraudulently released information it had no right to disclose and was fraudulently in possession of.
Since this matter has not been resolved, kindly add the following File Explanatory Statement to your fraudulently obtained file in the event CSC Credit Services fraudulently issues any further "credit" reports in the future:
"As a burn survivor with no assets, all medical providers with exception of Baptist Air Life forgave medical expenses. Baptist Air Life did not do so because this burn survivor refused to provide highly personal information unrelated to injuries, declined demanded prior consent to a future property search. Vengefully, Baptist Air Life subsequently hired Datasearch to punitively post negative information on credit reports without knowing or willing permission of this burn survivor. Particularly punitive and vengeful, since at no time did Datasearch attempt or make contact with this burn survivor regarding the nearly $10,000 medically-required helicopter flight billing."
Kindly be advised, Experian fraudulently altered the File Explanatory Statement to cover its collective gluteus maximus and that of the other parties involved (complaint also attached.) Will CSC Credit Services do the same? Ultimately, will it be necessary to file a criminal complaint with the U.S. Attorney to obtain relief?
Sincerely,
Tim Chorney
P.O. Box 997
Buchanan Dam, Texas 78609
attachments
Cc: 1) Sen. Kay Bailey Hutchison
2) Ms. Hernandez, Experian
3) File