August 29, 2005

Re: 26th Update To October 14, 2004 Correspondence

Dear Ms. Barker:

The following is additional correspondence germane to this writer's earlier letter of October 14, 2004. -- Additional evidence of continued egregious CRA stonewalling.

For the third time, criminal Experian employees have fraudulently altered this writer’s File Explanatory Statement, -- a Statement well-within FCRA and FTC guidelines. When will the Senator finally take an active interest?

Sincerely,
 

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

August 29, 2005

Experian Report #s 1851809397 & 2120255342, received August 29, falsely dated August 24 & 23 respectively by Experian, disingenuously sent in "response" to the following letter: 1) remain fully unresponsive to all issues, 2) are additional evidence of criminal stonewalling, 3) are indeed proof positive of renewed fraudulent document alteration by an Experian employee. … A criminal employee, too gutless to sign his or her name to the correspondence, -- and will, of course, be forwarded to authorities. Thanks, again, for exquisitely making the case for fraud in unmistakable detail. Will certainly be quite useful to federal authorities and prosecutors.

For the third time, a criminal Experian employee has fraudulently altered this writer’s original File Explanatory Statement, -- a Statement well-within FCRA and FTC guidelines. Worse, it has once again been falsely attributed to this writer by a criminal Experian employee. -- To conveniently and cowardly protect the identities of criminal corporations who have repeatedly filed fraudulently-obtained information for months. The Statement is Experian’s, not mine. As is, the "ID Security Alert." Both fraudulently altered to protect Experian and three criminal corporations.

Additional criminal complaints will be filed against Experian with government officials listed below. Also, they will again be informed Experian continues to refuse to permanently remove this writer from all mailing lists as provided by law and FTC regulation, cynically demanding further specious personal information this writer has no intention of submitting and additional paperwork already filed last fall.

Once again, you have usefully demonstrated: 1) Experian is a criminal corporation that has absolutely no regard for accurate "reports" or the law, 2) is highly criminally abusive with fraudulently-obtained information, and 3) is more than willing to post fraudulent information that it has absolutely no proof of. … As demonstrated by your repeated failure to provide all requested documentation, including emails, telephone minutes, etc.. Translation? Criminal Experian employees do whatever they want, and all "reports" are phony and capricious. Not worth the paper they’re printed on.

… Please be sure to kindly send, also for forwarding to authorities, additional unresponsive drivel in "response" to the following correspondence, the very same correspondence that still contains unresolved, unaddressed, unanswered criminal charges, gutlessly stonewalled and deliberately ignored by Experian for months.

Your past and continued cooperation in establishing a paper trail, usefully illustrating ongoing corporate criminal activity, with no more than artless stonewalling offered in defense of that criminal behavior, is most appreciated. Thanks, again, for exquisitely making the case for fraud in unmistakable detail. Why not return to the old tried and true Experian practice of sending out numerous 8-10 page reports all on the same date? Keep it coming:

Experian
NCAC
P.O. Box 9701
Allen, Texas 75013

August 2, 2005

Re: Report Numbers: 1831351926; 2117380117; 0624180747; 2384732012; 3994016687; 2911204134; 3579795158; 3845841537; Fraudulently Altered File Explanatory Statement-Fraudulent Postings-Datasearch On Behalf Of Baptist Air Life-Alexander Billing & Consulting

Dear Sir or Madam:

The following statement made by a criminal Experian employee in unsigned, computer-generated correspondence dated July 29 is completely untrue: "Each time we process your personal credit report or make a change to your report, a new, unique report number is generated and will display on each new report we send you." Outrageously false. This writer has the proof.

The same report numbers are used over and over again. In fact, the "latest" was indeed the earliest, used months ago. Worse, Experian seldom responds with the same number to complaints so referenced by this writer. This is an intentional policy by Experian to obfuscate and stonewall all complaints.

Worse, since all Experian "reports" are anonymous and unsigned, it makes it impossible for complainants to know exactly what is being responded to and by whom. Again, this is an exceptionally useful policy implemented by Experian to stonewall and obfuscate legitimate, lawful complaints.

Incredibly convenient though, isn’t it, since 99.99999% of complainants give up, roll over, and accept the criminal abuse? … As intended by Experian.

Who is NCAC? Another criminal Experian department cleverly designed to obfuscate and stonewall?

No question, Experian has fraudulently used eight different report numbers with false dates in response to the same exact complaint repeatedly filed since last fall. Experian policy is clear: … Can’t dazzle ‘em with brilliance baffle ‘em with BS.

Well done, but appreciated since it repeatedly makes the case Experian is corrupt, abusive, inept, and incapable of producing accurate reports. Worse, it couldn’t care less if accurate reports are indeed issued.

Your repeated, hollow advice to "contact the data furnisher" is disingenuously specious, and outrageously hypocritical since Experian knows full well Datasearch, Baptist Air Life, and Alexander Billing & Consulting have been repeatedly contacted. As repeated providers and purveyors of criminally-obtained information, though, all have egregiously stonewalled and must be dealt with by government authorities identified at the end of this letter.

Their criminal behavior and subsequent stonewalling, however, do not excuse or absolve Experian from criminally and knowingly posting fraudulently-obtained data. Precisely, why this writer is so grateful to Experian for continuing to stonewall, and providing continuous evidence of criminal culpability in each response issued to deliberately unresolved complaints.

Your gutlessly unsigned, computer-generated form letters all contain ongoing, knowing, willing, deliberate, demonstrably false statements by Experian in addition to criminally and fraudulently-obtained information listed. All Experian form letters are amusingly irrelevant and outrageously unresponsive to this writer's complaint correspondence dating back to last fall.

Experian, however, has been most helpful for months enabling this writer to carefully compile an extensive trail of documentation demonstrating the deliberate and willful abrogation and egregious abuse of the "Fair" Credit Reporting Act by Experian, other CRAs, Datasearch, Baptist Air Life, and Alexander Billing & Consulting.

Kindly, continue the amusingly unresponsive, falsely dated, report blizzard. It demonstrates gross incompetence of Experian employees and useful evidence of exactly how profoundly abusive, aggressively stupid, and corrupt your corporation truly is.

Also, that Experian is far more interested in expending funds to protect, defend, and shield corrupt and abusive employees caught in the act, rather than correct the record and provide reports that are indeed accurate.

Since Experian has unlimited resources, why limit the number of false reports issued? Why not increase it exponentially. … After all, it requires little additional work on the part of this writer to scan and burn to CD one thousand unresponsive letters as opposed to several received over a ten-day period. -- For forwarding, of course, to officials listed below.

Additional complaints will be filed against Experian with the Federal Trade Commission, U.S. Attorney, and Texas Attorney General. Officials with these three agencies, identified at the end of this letter, will receive copies of your latest correspondence to supplement all earlier Experian correspondence and other extensive documentation.

Clearly, you have no intention of resolving all outstanding issues including the following:

First, you have not "revised" the re-posted File Explanatory Statement as repeatedly falsely claimed. It has finally been re-posted exactly as originally submitted with the exception of a missing "$" sign in front of the $10,000 figure at the end of the Statement, -- a typographical error still not corrected by Experian employees.

… Unlike the deliberate criminal alteration of the File Explanatory Statement twice earlier by criminal Experian employees, -- that this writer has absolute proof of. -- The same exactly-worded Statement that was finally posted "un-revised", this time, by criminal Experian employees caught in the act.

Your claims to the contrary are false, and this writer has the proof. Why continue to lie and foolishly defend the indefensible? Is the problem hopeless aggressive stupidity?

The File Explanatory Statement, well-within FCRA guidelines, was twice earlier fraudulently altered by criminal Experian employees to conveniently protect the identity of three criminal corporations: Datasearch, Baptist Air Life, and Alexander Billing & Consulting. This writer has the documentation to prove it.

Second, this writer has never requested an Initial Security Alert. It was action taken by criminal Experian employees. The "ID Security Alert" paragraph on p.6 of your June 23 correspondence, p.4 of your June 29 correspondence, and contained in all subsequent reports is not my personal statement as falsely stated. It is yours. Once again Experian has knowingly posted a false statement, -- and this writer has the proof. Moreover, this is not the first time Experian has criminally and falsely attributed an Initial Fraud Alert to this writer, -- and, again, this writer has the documentation to prove it.

Third, this writer never requested an Extended Fraud Victim Alert as falsely claimed by Experian on p. 3 of your June 23 correspondence, and in subsequent reports. Again, this writer has the proof.

This action was taken by Transunion and other CRAs in direct response to the continued, criminal, fraudulent re-posting of the Datasearch listing by Experian, Datasearch, Baptist Air Life, and Alexander Billing & Consulting. -- They’re finally wise to your ongoing criminal activities.

Since this writer has not, and will not, ever seek "credit," however, why not permanently extend the Initial Fraud Alert falsely posted by Experian instead of criminally stonewalling?

This writer, however, will provide no additional information speciously requested by Experian since Experian has abused whatever information it already has, -- and is the target of the Extended Fraud Victim Alert posted by Transunion and other CRAs. … Posted precisely because Experian, Datasearch, Baptist Air Life, and Alexander Billing & Consulting have egregiously abused and continue to abuse this information. Why foolishly provide criminals with needless new information?

Fourth, your offer to remove this writer’s name and address from "prescreened offer mailing lists for six months" is an abrogation of this writer’s wish to be permanently removed from such lists, as agreed to by Experian earlier and allowed by FTC regulations and FCRA. Moreover, this writer already mailed the "permanent" removal form last fall and will not bother again. No additional information was provided then, none will be provided now. Once again, Experian has violated FCRA and FTC regulations in not permanently removing this writer from all lists.

Where is Experian’s fully-detailed written response to this writer’s repeated demand for "a description of how we verified the information" in regard to your fraudulent re-posting of this very same Datasearch listing? The very same "investigation" already completed months ago as finally admitted in your most recent stonewalled correspondence.

-- Exactly and specifically how your "investigation" was conducted, copies of all correspondence exchanged, emails, minutes of any phone conversations, etc.. All of it. Your response to date contains no specific information germane to this repeated request and is demonstrable stonewalling. Over four months since completion of the "investigation", and you remain incapable, unwilling to release lawfully requested information.

An exceptionally corrupt and abusive corporation, with a proven history of fraudulently altering this writer’s File Explanatory Statement twice, has knowingly, willingly, and unethically re-posted fraudulently-obtained material.

Consequently, you have the responsibility to disclose precisely how that information was obtained, when it was obtained, under what conditions and circumstances, and precisely how that fraudulently-obtained material was supposedly "verified."

Specific, germane information that will be immediately forwarded to the Federal Trade Commission, U.S. Attorney, and Texas Attorney General to supplement earlier complaints against Experian, Datasearch, Baptist Air Life, and Alexander Billing & Consulting.

Since you have stonewalled and not responsively provided this information for months, the assumption can be made Experian does not have the information lawfully requested, has criminally manufactured what it does supposedly have, and has acted capriciously with no regard for the truth and accurate records.

Regardless, this repeated information request, stonewalled for months by Experian, is clearly allowed by FCRA as admitted by Experian in earlier correspondence. Your continued refusal to fully and specifically provide this information in full detail in a timely fashion as prescribed by law will have to be resolved by the Federal Trade Commission, U.S. Attorney, and Texas Attorney General.

… In addition to earlier, reported, repeated violations and abrogation of the law by Experian and others, including criminal alteration twice of the File Explanatory Statement by corrupt and abusive criminal Experian employees.

It will be up to prosecutors and investigators to determine the identities of the criminals responsible at Experian, Datasearch, Baptist Air Life, and Alexander Billing & Consulting. … Since all four corrupt and abusive corporations conveniently and gutlessly hide behind the mantle of anonymity. To escape responsibility for their crimes.

Lie, after lie, after lie, ad nauseum. Comical to watch criminal Experian employees disingenuously tap dance, however. -- While the criminals at Datasearch, Baptist Air Life, and Alexander Billing & Consulting smugly laugh their financially portly gluteus maximi off. At Experian’s expense.

Amusingly, continued Experian lies and repeated distortion of reality have become so profoundly convoluted and contradictory, criminal employees have no ability to effectively concoct and keep their phony stories straight and consistent. -- Certainly, one of the amusing problems resulting from criminal anonymity, no?

Sadly, you’re on the losing end, and worse, have permanently lost all credibility. Self-perpetrated, self-inflicted deception. No question, you will be exposed for the corrupt and abusive criminals you truly are.

Once again, thanks for generously and considerately providing continuous proof of ongoing criminal activity by Experian, Datasearch, Baptist Air Life, and Alexander Billing & Consulting. Keep the stonewalled responses coming. Indeed, they are most helpful.

Sincerely,

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

Cc:
1) Donald S. Clark, Secretary of the Commission, Federal Trade Commission
2) Johnny Sutton, U.S. Attorney
3) Greg Abbott, Texas Attorney General
4) Sen. Kay Bailey Hutchison