PART TWO
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Dirty data

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Case 2, Round II, beginning May, 2003

  1. 5/22: Consumer obtains TransUnion file from another source.
    case2partii20030522int.jpg - 59357 Bytes
  2. 5/27: Consumer obtains file from TransUnion.
    case2partii20030527TU.jpg - 18948 Bytes
  3. File obtained directly from TransUnion contains fewer dates of late payments than file from the other source.

  4. 6/13: Consumer demands that TransUnion send a complete report.
    case2partii20030613demand.jpg - 51298 Bytes
  5. 7/2: TransUnion sends a report with less information than before.
    case2partii20030702TU.jpg - 16418 Bytes
  6. Report from another source shows that the information is now gone. TransUnion's game is to remove the information from its file rather than provide the full disclosure as required by law.
    20030808intersections.jpg - 123120 Bytes


Case 2, Round I



Trans Union, 2001: "However, Trans Union LLC does not store those dates, and has no opinion on the validity of the inferences drawn by the creditor."





An account listing on a Trans Union consumer disclosure credit report dated 1/30/02 obtained by mail from Trans Union

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The same account on a Trans Union online consumer disclosure credit report dated 5/19/02. Shows the dates of only two late payments.

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The same account on a Trans Union online consumer disclosure credit report dated 6/29/02. Shows the dates of only two late payments.

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The same account on a Trans Union credit report dated 5/2/02 obtained from a local credit bureau. Shows a payment pattern ("PAYPAT 1-12" and "PAYPAT 13-24") with two rows of digits (see legends below).

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The Trans Union listing of the same account on a credit report dated 5/7/02 obtained from a lender. Shows the dates of three late payments, specifically, and a series of 18 digits representing the pattern of payment of the 18 months reported.

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("PP" is an abbreviation for "payment pattern.")



The Trans Union listing of the same account on a credit report dated 4/26/02 obtained from a lender. Shows the dates of eight late payments.

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The same account on an equifax.com Intersections online credit report dated 7/2002.

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Examples and legends of Trans Union data used to represent dates of late payments in the most recent 24-month history (dates lacking in Trans Union's disclosures to the consumer (as seen above)):

http://www.creditengine.net/mrg02.htm (clever html coding)
https://www.truecredit.com/products/merge/3-in-1CreditReportExample.jsp
http://www.confidentialcredit.com/CREDCO/faq/key11.asp
http://pev.frickco.com/hdocs/sample_full.html
http://credit.chapter7.com/tu/report.htm
http://www.e-verifile.com/everifile/batch_tu_credit.html
http://www.landlordprotect.com/examples/tuc.htm
http://www.sanface.com/pdf/MSEWEBdemo.pdf
http://www.informus.com/hdocs/samrpt.html#REF152_14_0
http://www.a2cb.com/credit/page4.html
http://www.tenantscreeningservices.com/transunion.html
http://www.preferredalliance.com/services/background/creditreport.doc

According to HSH Associates, a publisher of mortgage and consumer loan information, those with "A+" credit quality (no delinquency) get better rates than those with, for instance, "C-" credit quality. One of their definitions of C- is "Installment/Revolving" accounts 4-6 times late in the last 12 months (http://www.hsh.com/bcd-specs.html). So, the lender knows how many times the consumer was late in the past year because the lender's report gives that information. Trans Union's disclosures to consumers do not provide it.

The Fair Credit Reporting Act:

"Every consumer reporting agency shall, upon request, and subject to section 1681h(a)(1) of this title, clearly and accurately disclose to the consumer:

(1)

All information in the consumer's file at the time of the request... "



"All" information would include all-- not just some of-- the dates.