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Report: #384376

Complaint Review: Trans Union COO And Priority Investigator Fraud And Negligence - Fullerton California

  • Submitted:
  • Updated:
  • Reported By: Eatontown New Jersey
  • Author Confirmed What's this?
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  • Trans Union COO And Priority Investigator Fraud And Negligence 1561 East Organgethorpe Avenue Fullerton, California U.S.A.
  • Phone: 714-738-3800
  • Web:
  • Category: Liars

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For 6 years I have been fighting Trans Union on a number of mixed files issues, inaccurate reporting, re-aging of accounts, and a number of other issues.

To summarize, according to the world of Trans Union I have simultaneously lived where I do in NJ, worked for the company I actually do work for in NJ, but had a P/T job that I commuted to in Texas working in a jewelry store, all while having served a prison sentence in Canada.

Additionally, according to Trans Union, in the past I have been married to my father and maintain several social security numbers including that of my mother's.

Trans Union has always been resistant to correcting these obvious errors and their lack of cooperation has been extremely frustrating. Every month like clockwork for six long years, I write my dispute letters and request changes.

Needless to say, they don't like me nor my record keeping as well as my investagative ability. You see, I tracked down the COO's email address and I send all of my complaints to his inbox - return receipt required. I am tired of paying FedEx postage every month and besides that, I know he is opening his email or his assistant is accepting responsibility by opening his email for him.

That being said, I am down to three issues Trans Union has refused to resolve.

They have a account listed with Chrysler, it's not a "bad" trade line, but it is not mine. I have multiple letters from Chrysler. MP3 recordings of phone calls with Chrysler, Chrysler has even made three way calls with me on the line to the former investigator Margaret McNiff to verify that my social is nowhere in their system and I never had an account with them.

Konnie Maxwell, a Priority Investigator responded to this issue claiming I have somehow created this elaborate scheme and that I somehow duplicated Chysler letterhead, and the way they answer their phones in that MP3. Yes, they claim that the documents are "not authentic". Of course, they refuse any names of people at Chrysler, or information to follow through with them. Every time I call Chrysler, they have no idea what to do because they insist the credit reporting agency is wrong, they have no record of my social anywhere.

Konnie insults my intelligence frequently, and discusse din writing what a "joint obligation" is. I never co-signed for anything and we are at an impass. What do you do?

In a second issue with Discovercard, these people were always difficult to deal with. When I called for information on the trade line, I was told I was not anwering the challenge questions correctly and the social was incorrect. DING DING DING - You think maybe it's a mixed file or they have the wrong person? In any event, I received a letter stating the account was unverifiable and should be deleted back in 2006 when I asked in writing for supporitng evidence of how the debt incurred.

Konnie has determined that the account is "valid" and again I am a supergenious and again fabricated this letthead as well. This is the one account they re-age monthly. From what Discover did tell me on the phone in 2006, they charged it off in 1999 and have no information whatsoever. My letter is from 2006. Discover will not provide any information, especially when I inform them I am recording the call on my end. The recording prove I am trying to get this resolved, but they do not say explicity the information I was told before I had the knoweldge and ability to record a call.

My third issue is with Barclay's and I have an ongoiing dispute with them. The account was a valid one, but the number had been comprimised and the entire balance is still in dispute. They are listing it as a valid charge off and refuse to list it as disputed while we go through the investigative process.

Now let's add to this mix that Trans Union required me to submit copies of state and federal id cards including my social security card. I provided this information a few dozen times before I started questioning what trans Union was doing with the multiple copies. I was told they "lost" my information.

First, what kind of security breach his this? In my investigation and education process of the system, I knew that bank employees were fingerprinted and bonded. State and Federal employees are subject to fingerprinting and background checks and are trained in the proper handling of "sensitive information". Non-bank entities, collection agencies, credit bureaus are not subject to this scrutiny. Who is using this information? How is it safeguarded?

I placed a security freeze with Trans Union and they refused to honor it. During this time, there were a number of inquiries listed on the report I did not authorize. I questioned these in March of 2008 and Trans Union redirected me in April to the requestor providing their address, but no phone. I sent a letter in April to each agency requesting my information and was disregarded by all. In May 2008 one of those creditors initiated a new trade line and by August it was a charge off as a bad debt.

Trans Union removed it when I hit the roof and threatened a law suit, but look at the negligence and incompetence these people have consistently exhibited.

I should try to get into law school instead of business school because I am quickly becoming the expert in credit law. But oh wait, Trans Union has ensured with their negligence I can't get any student loans and can't do anything to further my career goals education-wise.

Jen
Eatontown, New Jersey
U.S.A.

This report was posted on Ripoff Report on 10/24/2008 06:40 AM and is a permanent record located here: https://www.ripoffreport.com/reports/trans-union-coo-and-priority-investigator-fraud-and-negligence/fullerton-california-92831/trans-union-lies-trans-union-coo-and-priority-investigator-commits-fraud-and-negligence-fr-384376. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
9Consumer
0Employee/Owner

#9 Author of original report

Here is the latest Update

AUTHOR: Jen - (U.S.A.)

POSTED: Friday, June 26, 2009

Trans Union has once again LOST my documentation. David Emery and his investigator Konnie Maxwell continue to disregard complaints.

The FTC has pretty much just sent information about my "rights". I have the ear of some local Assemblyman, and a few Senators who are trying to put together a plan to update some of the laws, including requiring the CRA's to provide detailed information about their investigation.

I went on-line to get credit monitoring due to some questionable phone calls from a bill collector (See the NCO RIP OFF REPORT).

Trans Union, billed my credit card and refused to provide access to my credit report. I waited 10 days to give them a chance to provide access, then I called. Trans Union elected to credit my charge card and will not provide the service.

They will not provide a free annual copy of my CRA, AND they won't provide a copy even when I offer to pay for it.

The FTC, the Attorney General, and other consumer protection agencies just do not respond to my specific issues. All they have ever done is provide guidance and recommend I hire an attorney.

Most of the attorney's will not take your case as a priority on contingency. I have met with three and they don't return calls, the last one didn't even acknowledge my package of information and supporting documentation I FedExed out.

The ones who will truly represent your best interest are going to cost roughly $250 an hour.

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#8 Author of original report

Nice Write Up

AUTHOR: Jen - (U.S.A.)

POSTED: Tuesday, March 31, 2009

David Emery of Trans Union was called on the carpet in a National Publication, Dig This Real. In the article it outlines the problems of the credit reporting agency losing documentation, supports that Mr. Emery refused to comment, and reports that consumers are getting ripped off because they are not fairly investigating claims.

The Magazine states that the credit reporting agencies should be REQUIRED to supply all evidence they received that a disputed trade line is valid.

What's best is many of my issues seem to be recurring with others and Mr. Emery was NAMED as an incompetent.

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#7 Consumer Comment

To Laurie

AUTHOR: Anonymous - (U.S.A.)

POSTED: Thursday, November 06, 2008

I just would like to know why people have a problem with me for can anyone answer that, I have not done anything to anyone this site for them to treat me like this.

I just would like to know why people have a problem with me. I just get tired of people think they have the right to judge me.

To laurie I am a human being also rather you think so or not!. There Is no need for people to be so hateful.

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#6 Consumer Comment

To Jen

AUTHOR: Laurie - (U.S.A.)

POSTED: Thursday, November 06, 2008

Ignore Charles - if you read all his rants on ROR you will understand
He will continue to post his rants as updates even when no responds to them.

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#5 Consumer Comment

Federal trade commission has rude & hateful employees

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, November 05, 2008

I had to file a complaint agaisnt a dept collector nco who was harassing me, I told the employee about the situation.

They responded back to me well you can't get out of paying your bills I wasn't trying to get out of paying for my bills. I was complaining about how the collection agency was threatening me.

They had not right to speak that way to me also the credit bureaus equifax, experian, transunion have hateful employees.

There was no need for that federal trade commission to speak so hateful to me they was suppose to take my complaint not accuse me of not paying my bills that employee was just a smart a*s b***h.

I was polite & this Is how I get treated, the federal trade commission Is here for us not the collection agencies. I told the b***h to piss off & hung the phone up.

I called back & found a person who was friendly & took my complaint, know I just file complaints on the internet so I wouldn't have to speak to those hateful & abusive employees @ the federal trade commission.

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#4 Consumer Comment

Federal trade commission has rude & hateful employees

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, November 05, 2008

I had to file a complaint agaisnt a dept collector nco who was harassing me, I told the employee about the situation.

They responded back to me well you can't get out of paying your bills I wasn't trying to get out of paying for my bills. I was complaining about how the collection agency was threatening me.

They had not right to speak that way to me also the credit bureaus equifax, experian, transunion have hateful employees.

There was no need for that federal trade commission to speak so hateful to me they was suppose to take my complaint not accuse me of not paying my bills that employee was just a smart a*s b***h.

I was polite & this Is how I get treated, the federal trade commission Is here for us not the collection agencies. I told the b***h to piss off & hung the phone up.

I called back & found a person who was friendly & took my complaint, know I just file complaints on the internet so I wouldn't have to speak to those hateful & abusive employees @ the federal trade commission.

Respond to this report!
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#3 Consumer Comment

Federal trade commission has rude & hateful employees

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, November 05, 2008

I had to file a complaint agaisnt a dept collector nco who was harassing me, I told the employee about the situation.

They responded back to me well you can't get out of paying your bills I wasn't trying to get out of paying for my bills. I was complaining about how the collection agency was threatening me.

They had not right to speak that way to me also the credit bureaus equifax, experian, transunion have hateful employees.

There was no need for that federal trade commission to speak so hateful to me they was suppose to take my complaint not accuse me of not paying my bills that employee was just a smart a*s b***h.

I was polite & this Is how I get treated, the federal trade commission Is here for us not the collection agencies. I told the b***h to piss off & hung the phone up.

I called back & found a person who was friendly & took my complaint, know I just file complaints on the internet so I wouldn't have to speak to those hateful & abusive employees @ the federal trade commission.

Respond to this report!
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#2 Consumer Comment

Federal trade commission has rude & hateful employees

AUTHOR: Charles - (U.S.A.)

POSTED: Wednesday, November 05, 2008

I had to file a complaint agaisnt a dept collector nco who was harassing me, I told the employee about the situation.

They responded back to me well you can't get out of paying your bills I wasn't trying to get out of paying for my bills. I was complaining about how the collection agency was threatening me.

They had not right to speak that way to me also the credit bureaus equifax, experian, transunion have hateful employees.

There was no need for that federal trade commission to speak so hateful to me they was suppose to take my complaint not accuse me of not paying my bills that employee was just a smart a*s b***h.

I was polite & this Is how I get treated, the federal trade commission Is here for us not the collection agencies. I told the b***h to piss off & hung the phone up.

I called back & found a person who was friendly & took my complaint, know I just file complaints on the internet so I wouldn't have to speak to those hateful & abusive employees @ the federal trade commission.

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#1 Consumer Comment

File complaints with the Federal Trade Commission

AUTHOR: Laurie - (U.S.A.)

POSTED: Friday, October 24, 2008

Also review the FTC website for more information on the Fair Credit Reporting Act.

They can also direct you to the correct agencies that can intervene on your behalf.

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