July 17, 2002
page 2
[Fisher's signature and typed name]
[creditaccuracy.com author Fisher's name]
[residence address]
July 22, 2002
Harry Gambill, president
TransUnion LLC
555 W. Adams Street
Chicago, Illinois 60661-3614
Complete the credit file disclosures you give to me. Answer all the questions in this letter.
Other companies gave me-- and others-- information in my TransUnion file that you failed to give me. The proof is at http://www.openonline.com/pdf/tu_guide.pdf, and on the back of this page: The same account listing in my TransUnion credit file from four different sources. The first came in the mail from your company and is dated 01/30/2002 (file number ["TU file a"]. The second came from your website and is dated 06/29/2002 (file number ["TU file b"]). The third I obtained in person from CBC Credit Services and is dated 05/02/02. The fourth is from the equifax.com website from July, 2002. If you had fulfilled my request in May to mail copy of my file, I would have included that copy-- but that's another story.
The TransUnion listing on the equifax.com report gives the monthly account status over a 24-month period and states that my manner of payment was negative in eight months: 120 days late in February, 2002, 90 days late in each of the four months from October, 2001 through January, 2002, 120 days late in December, 2000 and January, 2001, and 90 days late in November, 2000.
Your Internet report of my credit file gave only two specific months' dates regarding the manner of payment account status. The same is true of the report you mailed.
An entry to my TransUnion credit report distributed by CBC Companies is printed on the back of this page and is published at http://creditaccuracy.com/0002.htm. It contains this notation in the PAY.PAT/HIST column:
544441111111
155411What does that notation mean?
And, what are the definitions of TransUnion credit report fields PAYPAT 1-12 and PAYPAT 13-24?
What are you going to do to correct your disclosures to consumers so that they include the payment pattern, which is the actual rating, or manner of payment, over a 24-month period? The Fair Credit Reporting Act requires that you give consumers all information in their files. What are you going to do to make your consumer disclosures complete?
Complete the credit file disclosures you give to me. Answer all the questions in this letter.
[Fisher's initials]
page 1
July 17, 2002
page 2
[Fisher's signature and typed name]