Need Transunion help guys!

[Anonymous]

I think of all the agencies, Transunion makes me maddest the most. I had to file a BK back in 2004 due to illness. Since that day, I have NEVER missed a payment on ANY of my bills. I went to check my scores today and noticed that my Equifax score is where it was last time I checked (660) but my TU score fell to 583!!!!

After taking a look at what was going on, I noticed that it said I had a missed recent payment and the score fell yesterday (2/22/09). Um ok??? So I did some investigating and NONE of my accounts show a delinquency at all on them. The ONLY thing I can find is that one of my past BK accounts, re-reported as of 1/09 and now shows a status of "unrated". I have NO clue why they did this when this account is protected un BK federal protection and why they would have re-reported last month.

Can anyone help me here. Last time something like this happened, TU couldn't help me because they couldn't see any delinquency. I think it just resolved but my score just fell like 80 points because of this. This is pure crap! I take pride in knowing that I haven't had a delinquency since 2004 and they do this crap to me!

[Junejer]

How bad were the delinquencies on this account?

[Anonymous]

I had spotless credit until it went into BK. Then your advised to stop paying, so we are talking 90+ days past due. However I have court ordered federal bankruptcy protection on this account. It is ILLEGAL for them to sell the account. That is EXACTLY what they did. I called the place they sold it to and they said they didn't report to credit reports which is odd. However VS (victoria secret) states they didn't report but they did according to TU.

It is ILLEGAL to do this and it is in the name of money. They are not dealing with someone who is destitute and cannot afford a lawyer. I am currently on hold with my lawyer to see if I have a case. I am tired of the little guy getting hosed and ignorance or negligence of the law (they knew what they were doing...attempting to make money) doesn't constitute innocence. IIRC, it is 10k per incident by a creditor who tampers with a discharged account under federal bankrupcty protection.

I am seething mad at this because I did everything I am supposed to do and only filed BK because of 2 hospital stays. I have not been delinquent since 2004 on ANY accounts!

Btw, this account was discharged in August of 2004. They re-reported in Jan of 2009; 4 years and some change since the filing. 

Message Edited by maxedout on 02-23-2009 08:57 AM

[Junejer]

I agree that it sounds like you might have a good case. Go get 'em maxedout. Let us know how it turns out.

[Anonymous]

Just called my lawyer. He said I have a case ONLY after I send TU, EQ and EXP a letter with my BK discharge showing that this was discharged in 2004. If I were to need credit and apply and get denied or the credit agencies didn't respond in a timely manner, then I could sue them under the bankruptcy laws as well as the fair credit reporting act.

I am going to do my due diligence and take it from there. I am SICK and TIRED of the little guy getting pushed around by mega million dollar companies. 

[Junejer]

GL. Do what it takes to get your justice. The problem is that these companies are so used to being sued, that they are numb to it. You will likely have to go that route.