Complaint Review: TransUnion - Chester Pennsylvannia

I disagree with this when you report non existent addresses and or 15 years  old past 10 year time line  this allows for the credit burea to load up bogus or fake reports. The fact of the matter is I kept every money order the past 10 years and showing where we live and amounts paid. Good credit is based on payment history, and other factors it is hard for a credit burea to justify a low end credit score when all bills are paid as shown on receipts. A bogus address such as Trans Union only shows inaccurate information that has been going on 15 plus years we also notarized Apostille rental contracts.

You state addresses are a non factor I disagree with this because when you rent or complete a mortgage application this shows up by the way I noticed my apartment complex checked my credit report through a 3rd party in Boston, Ma. care to explain why this happened without my authorization ? When you pay your monthly rental this is posted on the credit report on a different database perhaps you should look yourself in the mirror and ask why are you creating so many problems ? I will tell you this once I prevail in court or arbitration I will demand that TransUnion no longer handles my credit report or information and they will be history. You cannot duck and hide from your problems forever.

Once again you are being delusional wth. I have proof money orders showing all my payment history no delinqueny's by the way you are in denial. You do not have to run or hide under a rock show up so I can ask you some questions. I think you must be a lawyer By the way, I am also a Private Citizen so I would enjoy makinga fool out of your lawyer and showing International documents proving our identity what will you say when this happens ?

As far as 3 addresses, this is used to load up questionable credit reports the bottom line is After I make a fool out of your lawyer showing all the proof of payments addresses I will demand that TransUnion no longer handle my credit report or information. Ducking me for 15 plus years does not solve anything.

A money order receipt is proof that a money order was purchased but is not proof that a debt was paid. A copy of the cancelled money order must be obtained from the issuer to prove a debt was paid. That is a timely process that usually requires a processing fee. A cancelled check is easily obtained and is proof that a debt was paid.

Your conspiracy theory concerning banks is total BS. It's most likely that you don't have a checking account due to a history of excessive overdrafts.

You changed your statement from, "places where I lived over 15 years ago" to, "Did not live at this address." Perhaps you should pick a story and stick to it.

"A complaint will be filed against the Attorney General"

Now it's the fault of the attorney general. I don't expect that to work well for you.

While I am sure you think you are being totally smart, you are acting more like a smart a**.

Your Address has NOTHING to do with your Credit Score. 2 of the 3 addresses you posted obviously are data entry errors. For the last address, you are either playing word games by saying you never "lived" there, or you have ID Theft going on. Based on your lack of mentioning any other fraudulent accounts we can figure it is probably the former and likely you used it for some purpose at one time.  Of course if these addresses bug you that much either find out who is reporting them or file a dispute to have them removed.  

It was interesting how you mentioned the FDCPA, which is for Debt Collectors. This tells us that you likely have delinquent accounts, and probably more than one. Which would explain more about why you have a score in the 500's than any other gibberish you posted.

Nothing you posted here shows that you are being discriminated against in any way. Contrary to your assertions you aren't going to get them to purchase a bond for you or your wife, and the score you gave them means nothing. You may be better off in another Country

Good Luck

I read your nasty little comment from absurd claim. I will address these issues and they are the following:

1).   You statement about using a checking account. The problem is there is no paper trail to incriminate you where as a money order leaves a paper trail and receipt as well. If you use a checking account most banks use electronic checking which in itself has a security issue and a bank can cover up the transactions or corrupted. Do yourself a favor and research RSA 2048 bit certificates and corruption used for electronic banking.

2).  The person who entitled their report absurd claim by stating a Oppinion about TransUnion credit scoring that is not based on payment history, time of account etc..  A law that you appear to not understand or comprehend very well is called the FRCA Fair Credit Reporting act by ignoring this law you have engaged in discrimination. You may want to read the FDCPA Fair debt Collection Practice Act which your associates seem to ignore as well.

3).  I will post some of the bogus addresses you reported and called it "Absurd Claim"

   1). 6205 Lakewood Dr W Apt 122122, University Place no such address reported 05/2008 past the 10 year timeline.

2). 6205 Lakewood Dr W apt 12 University Place Wa reported 10/2013 Did not live at this address.

3). 2545 N Narrows Dr Tacoma Washington 98406 did not live at this address.

To "Absurd Claim" The best way to handle this issue is for TransUnion and the Attorney General of Washington State rep somebody to show up for arbitration. A complaint will be filed against the Attorney General and a Public Witness will be present arbitrator. At the arbitration, My wife and I will present Notarized Apostille Documents Marriage and Child and ask a series of questions to the named defendents because there are more documents that were sent to the Attorney General who did nothing about the various crimes civil and criminal crimes being committed.

4).  Because TransUnion has decided to give a Fraudlent credit score of 582 I will give TransUnion a credit Score of 550 this means they must obtain or purchase a Indemnity Bond of 1 million for me and my wife. If you intend on engaging in Public Record Corruption, Fraud, Theft, and other White collar crimes perhaps we should find a new country since my wife holds dual citizenship Russia we can look in Europe, Canada, or Russia, maybe a new state  since we cannot get along. This is why TransUnion should not be allowed or permitted any longer to handle our Public Records or information.

"I saw the creit report had bogus addresses and places where I lived over 15 years ago."

You lived there so the information is not bogus.

"The credit score should be around or above 700."

That's your opinion. A credit reporting agency is entitled to their opinion.

"I have 10 plus years of receipts/money orders to back up my claims."

A person with credit worthiness would have canceled checks instead of money orders. Perhaps you should acquire a checking account.

Your claim of fraud or theft is ludicrous.