Fair, Isaac's credit scoring software does NOT have permission to access my TU credit

Jan, 4, 2002: via fax to Trans Union CEO Harry Gambill, at 714-447-6032 as well as sent through PlanetFeedback.com, where you can view my shared TU letter.

The following letter is being sent to Trans Union LLC by PlanetFeedback.com at your request. If there's a cc: list at the end of the letter, those people also received a copy.

PlanetFeedback.com amplifies the voices of consumers everywhere. Read letters to Trans Union LLC from other PlanetFeedback consumers at http://www.planetfeedback.com/sharedLetters. And if you're curious about how this company stacks up, check out feedback-driven ratings at http://www.planetfeedback.com/Ratings.

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January 4, 2002

TO:
Harry Gambill, CEO
Trans Union LLC
Post Office Box 2000
Chester, PA 19022

FROM:
Christine Baker
(address deleted)


RE: PLANETFEEDBACK REFERENCE NUMBER 1190615


Dear Mr. Gambill,

The Trans Union credit reports are the worst of the lot. You refuse to include the dates of reported late payments, and you refuse to investigate my disputes - in violation of the FCRA.

I no longer want my Trans Union credit report scored by Fair, Isaac's software -- as the score depends on the data in the underlying credit report.

My identifying data:

Christine Baker
(address deleted)
SSN: ....
DOB: ....
Fax: 206-202-4653

The quality of the Trans Union credit reports is substandard. I don't care if you score my credit report with your own worthless score, no lender looks at it, and neither do I.

The Fair, Isaac credit scoring software is a fraud, as proven by the scanned reports at http://www.bayhouse.com/FICOisFRAUD.shtml. Additionally, Fair, Isaac states that they utilize data NOT in the consumer disclosure provided to me by Trans Union. Obviously, I can't dispute what I don't know.

I already notified Fair, Isaac that they do NOT have permission to access my credit files. But, Fair, Isaac denies that they calculate my scores, they state the CREDIT BUREAUS are actually calculating the scores and providing lenders with the scores. See http://www.bayhouse.com/credit-foru...s=&threadid=158

"Fair, Isaac does not calculate or deliver the FICO scores. They are calculated at the credit bureau(s) where a FICO score was requested, and are provided by that credit bureau. Fair, Isaac does not have direct access to consumer credit information at these bureaus and, therefore, does not have the ability to make any changes to the underlying data in any given consumer's file, or to change a consumer's credit scores."

I appreciate your cooperation in preventing Fair, Isaac's credit scoring software from accessing and scoring my personal credit report data.

I decided to only do business with companies who do NOT utilize Fair, Isaac's fraudware - my next decline letter should read: "credit score not available."

Please feel free to fax any questions to 206-202-4653.

Sincerely,
Christine Baker
...@bayhouse.com

CC:
John McCain
Jon Kyl

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CONFIRMATION OF YOUR FAX TRANSMISSION
FAX STATUS: SUCCESSFUL TO 17144476032
COUNTRY: 1-NORTH AMERICA
TRANSMISSION: 04-Jan-2002 22:27:02 GMT.
DURATION: 1 Minute
TOTAL COST: $0.11Fair, Isaac's credit scoring software does NOT have permission to access my TU credit.