TransUnion LLC

Initial Business Response / [redacted] (1000, 5, 2015/05/11) */ May 8, [redacted] Revdex.com of Chicago & Northern Illinois N Wabash Ave Suite Chicago, IL 60611- RE: [redacted] Complaints ID: XXXXXXXX Dear [redacted] Thank you for contacting TransUnionOur goal is to maintain complete and accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in Mr [redacted] ' complaint and are providing the information below in response We received Mr [redacted] complaint about his inability to obtain a credit report, and apologize for any difficulty experienced by the consumerAccording to our records, on 05/08/15, we received Mr [redacted] ' request via telephone and a copy of his FACT Act TransUnion credit report has been mailed to the current address we have on file If Mr [redacted] has any further questions, he may call us at X-XXX-XXX-XXXX, Monday-Friday, 8:AM - 11:PM ETIn addition, Mr [redacted] may visit http://transunion.com/consumerfaqs for frequently asked questions about his credit report Sincerely, TransUnion

Initial Business Response / [redacted] (1000, 6, 2015/09/04) */ September 4, [redacted] Revdex.com NWabash Avenue, Suite Chicago, IL RE: [redacted] Complaint ID: XXXXXXXX Dear Ms [redacted] Thank you for contacting TransUnionOur goal is to maintain complete and accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in Mr [redacted] 's complaint and are providing the information below in response We received Mr [redacted] 's complaint about the [redacted] Financial Services account, and apologize for any difficulty he may have experiencedThe item identified in his complaint has been deleted Please note at the time of receipt of Mr [redacted] 's complaint his file already contained a pending investigation for [redacted] Financial ServicesIn order to verify the accuracy and completeness of this item, we contacted the source of the information and provided them with any additional relevant data as it related to his complaintIn response to the investigation, [redacted] Financial Services [redacted] xxxx [redacted] was deleted from his TransUnion credit report In order to protect Mr [redacted] 's privacy, we will mail an updated copy of his credit report as well as the full results of our investigation, to the current address we have on file for himHe can expect to receive it in approximately to business days If Mr [redacted] 's has any further questions, he may call us at X-XXX-XXX-XXXX, Monday-Friday, 8:AM - 11:PM ETIn addition, he may visit http://transunion.com/consumerfaqs for frequently asked questions about his credit report Sincerely, TransUnion Cc: Mr [redacted]

(The consumer indicated he/she DID NOT accept the response from the business.) To my knowledge I did not agree to any membershipI never agree to these types of "memberships" Their representative never told me I would be refunded my $I am a bit confused as to the language of their responseIt states: On September 25th, I called and canceled my online subscription and at that time the representative processed a refund of my $that generally takes 3-Business days but could take daysThen further down the paragraph it states: however, based on our policy and service agreement (which I never read or signed) no additional refund is dueSo which is it? Are they going to refund me like they stated or are they saying they won't? It is has been business days so please confirm you will refund me my money back within the daysI will then be satisfied Thank you,

Initial Business Response / [redacted] (1000, 9, 2015/07/20) */ July 20, [redacted] c/o Revdex.com servicing Chicago & Northern Illinois North Wabash Ave., Suite Chicago, IL XXXXX Re: [redacted] , [redacted] , Case # [redacted] We have reviewed the correspondence that was forwarded to us from the Revdex.com We regret to hear that you are not satisfied with the products and services provided by TransUnion's Consumer InteractiveWe have forwarded your comments to our management team as we are always looking for ways to enhance our monitoring service product Please be advised there are hundreds of scoring models utilized throughout the United StatesScoring models are chosen by a financial institution based on criteria they specify in relation to their business needsOnce a financial institution requests a report from a credit reporting agency, the score is then calculated and provided based on the information contained on your report at that momentCredit information in your credit report, including, but not limited to, the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score Please be advised that not every creditor reports to all three bureaus and this may also cause a difference in scoresSince all scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used If you have any further questions regarding TransUnion's Consumer Interactive online services, please call us at X-XXX-XXX-XXXX, Monday through Friday, 6AM to 6PM Pacific Time Regards, Customer Support TransUnion Consumer Interactive

Initial Business Response / [redacted] (1000, 8, 2015/07/23) */ July 22, [redacted] c/o Revdex.com servicing Chicago & Northern Illinois North Wabash Ave., Suite Chicago, IL XXXXX Re: [redacted] , Case # XXXXXXXX, UserID: XXXXXXXXX Dear Mr [redacted] : We have reviewed the correspondence that was forwarded to us from the Revdex.com Our records reflect that on June 29, 2015, you visited our website, www.transunion.com and clicked on an offer to "Get Your Credit Score & Report"On the initial screen, the terms of this offer are stated as "Offer Details: Your FREE TransUnion Credit Score & $Credit Report are available as part of a 7-day trial of our subscription-based credit monitoring serviceYou may cancel at any time during the trial periodAt the end of your 7-day trial, you will be billed at the low cost of only $per month." Prior to completing the transaction, we did display a full page notification that you had already used your once-in-a-lifetime trial of Credit Monitoring, and asked if you wished to continue to purchase Credit Monitoring for $a monthYou accepted the new offer, verified your identity, then confirmed your payment information for the immediate monthly charge, and accepted the service agreement During this membership, we have been monitoring your credit files at all three national bureaus and sending notifications to the email address provided, [redacted] @ymail.com, to alert you of changes to your credit files and remind you that we were monitoring your credit at your requestIn addition, your TransUnion reports and scores have been available for daily access, as well as our Debt Analysis, TransUnion Credit Lock and ID theft insurance coverage On June 29, 2015, you contacted us to cancel your online subscriptionAt that time, the representative cancelled the auto-renewal of the subscription serviceAs you have already been billed for this month, the service will still be accessible until July 30, Based on our policy and the terms of the service agreement, no refund is due If you have any further questions regarding TransUnion's Consumer Interactive online services, please call us at X-XXX-XXX-XXXX, Monday through Friday, 6AM to 6PM Pacific Time Regards, Customer Support TransUnion Consumer Interactive

Revdex.com:
Dear Revdex.com, Please delete/ cancel my case for Complaint ID #***Resolved Thank You, Jake *** *** ***@gmail.com

October 22,
*** ***
Revdex.com of
Chicago & Northern Illinois
NWabash Avenue, Suite
Chicago, IL 60611-
RE: *** *** Complaint ID: ***
Dear Ms***,
Thank you for contacting TransUnionOur goal is to maintain complete and
accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in Ms***'s complaint and are providing the information below in response
We have reviewed Ms***'s complaint along with the information previously provided regarding this issueOn 08-31/2015, 09/09/and 09/11/2015, we contacted the Missouri Federal Court in reference to Docket Number ***-***In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to the consumer for reviewIn addition, on 10/02/2015, we received a request from Ms*** via telephoneAs a result an investigation was again initiated into Docket Number ***-***We received your complaint on behalf of Ms*** in the interim of the dispute initiated on 10/02/In response to the investigation, Docket Number ***-*** has been verified under the consumer's name, address and social security number, as well as, being verified as Chapter Bankruptcy DismissedTransUnion reviews and considers all relevant information provided by consumers, and we either will make changes to our report based on the information they provide, or we will investigate their dispute by contacting the source of the informationFor public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reportedPlease note we utilize Public Access to Court Electronic Records (PACER.) PACER is an electronic public access service that allows users to obtain case and docket information from federal appellate, district and bankruptcy courts, and the PACER Case Locator via the InternetPACER is provided by the federal Judiciary in keeping with its commitment to providing public access to court information via a centralized service
The Fair Credit Reporting Act allows Bankruptcies to be reported for years from the date of filingHowever, it is TransUnion's policy to report discharged or dismissed Chapter bankruptcies for seven years from the date the bankruptcy was filed
In order to protect Ms***'s privacy, a copy of her credit report as well as, the full results of our reinvestigation results have been mailed to the current address we have on file for the consumerShe can expect to receive it in approximately to business daysMs*** may add a Consumer Statement of words or less to her credit report or contact the creditor directlyContact information for each creditor is provided on her credit report for reviewIf you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you
If Ms*** has any further questions, she may call us at 1-***, Monday-Friday, 8:AM - 11:PM ETIn addition, she may visit http://transunion.com/consumerfaqs for frequently asked questions about her credit report
Sincerely,
TransUnion
Cc: Ms*** ***
*** *** ***
** ** *** ***
*** *** ** ***

Initial Business Response /* (1000, 6, 2015/08/18) */
August 18,
***
Revdex.com of
Chicago & Northern Illinois
N Wabash Ave Suite
Chicago, IL 60611-
RE: *** Complaints ID:***
Dear ***,
Thank you for
contacting TransUnionOur goal is to maintain complete and accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in *** complaint and are providing the information below in response
We have reviewed the complaint along with the information previously provided regarding this issueOn July 23, *** was notified of *** disputeAs a result, the item no longer appears on his TransUnion credit reportResults of the investigation have been forwarded for review
If ***has any further questions, please call us at X-XXX-XXX-XXXX, Monday-Friday, 8:AM - 11:PM ETPlease visit http://transunion.com/consumerfaqs for frequently asked questions about the credit report
Sincerely,
TransUnion
Initial Consumer Rebuttal /* (2000, 8, 2015/08/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 6, 2015/10/12) */
October 12,
***
Revdex.com of
Chicago & Northern Illinois
N Wabash Ave Suite
Chicago, IL 60611-
RE: *** Complaints ID: XXXXXXXX
Dear ***,
Thank you for
contacting TransUnionOur goal is to maintain complete and accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in Ms***'s complaint and are providing the information below in response
We received Ms***'s complaint about the GMAC *** in her credit report, and apologize for any difficulty the consumer may have experiencedThe GMAC *** identified in Ms***'s complaint has been removed
We have reviewed this complaint along with the information previously provided regarding this issueOn 5/12/15, 7/7/and 2/10/15, GMAC *** and*** were notified of Ms.*** disputesIn response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to Ms*** for reviewWe also responded to Ms***'s CFPB complaint #XXXXXX-XXXXXX on 8/3/
In order to verify the accuracy and completeness of GMAC *** and***, we initiated an investigation and as a result, GMAC *** was removedVerizon Wireless *** verified the account information, as well as, Ms***'s name and Social Security number, as being accurately reportedCurrently,*** reflects as an unpaid collection with a balance and past due amount of $There is also a remark of "Account Information Disputed By Consumer"
The Fair Credit Reporting Act allows adverse credit history, such as collections and profit-and-loss write-off accounts, to be reported for seven years from the date of delinquency
We have removed the address of *** Pl, West Long Branch, NJ XXXXX, per Ms***'s request
In order to protect Ms***'s privacy, we will mail a copy of her credit report as well as the full results of our reinvestigation, to the current address we have on fileMs.*** can expect to receive it in approximately to business daysMs*** may add a Consumer Statement of words or less to her credit report or contact the creditor directlyContact information for each creditor is provided on Ms***'s credit report for reviewIf Ms*** provides a Consumer Statement that contains medical information, then she is giving consent to TransUnion to include this information in every credit report we issue about her
If Ms*** has any further questions, she may call us at X-XXX-XXX-XXXX, Monday-Friday, 8:AM - 11:PM ETIn addition, Ms*** may visit http://transunion.com/consumerfaqs for frequently asked questions about the credit report
Sincerely,
TransUnion
Cc: Ms***

Please see attached

October 13,
Karen ***
c/o Revdex.com servicing Chicago & Northern Illinois
North Wabash Ave., Suite
Chicago, IL
Re: ***, Karen, Case #94571706, UserID:
Dear Ms***:
We have reviewed the correspondence that was forwarded to us from the Revdex.com
Our records reflect that on September 12, 2015, you visited our website, www.transunion.com and
clicked on an offer to "Get Your Credit Score & Report"On the initial screen, the terms of this offer are
stated as "Offer Details: Your FREE TransUnion Credit Score & $Credit Report are available as part of a
7-day trial of our subscription-based credit monitoring serviceYou may cancel at any time during the
trial periodAt the end of your 7-day trial, you will be billed at the low cost of only $per month."
At the time of the enrollment, you completed our three step process by: completing the online form,
submitting your credit card information and confirming your identityDuring the membership period,
we have been monitoring your credit files at all three national bureaus and sending notifications to the
email address provided, k***[email protected], to alert you of changes to your credit files and
remind you that we were monitoring your credit at your requestIn addition, your TransUnion reports
and scores have been available for daily access, as well as our Debt Analysis, TransUnion Credit Lock and
ID theft insurance coverage
On September 25, 2015, you contacted us to cancel your online subscriptionAt that time, the
representative cancelled your service and processed a refund of $Refunds generally take three to
five business days, but may take up to days depending on your bank's policiesWe regret any
misunderstanding that may have occurred; however, based on our policy and the terms of the service
agreement, no additional refund is due
If you have any further questions regarding TransUnion's Consumer Interactive online services, please
call us at 1-866-212-2170, Monday through Friday - 6AM to 6PM Pacific Time
Regards,
Customer Support
TransUnion Consumer Interactive

Initial Business Response /* (1000, 5, 2015/06/17) */
June 15,
*** ***
Revdex.com
NWabash Avenue, Suite
Chicago, IL
RE: *** *** Complaint ID: XXXXXXXX
Dear Ms***
Thank you for contacting TransUnionOur goal is to maintain
complete and accurate information on consumer credit reportsIn response to your request, we have reviewed the information contained in Ms***' complaint and are providing the information below in response
Based upon a review of Ms***' file we were able to determine that she initiated an investigation on June 4, for the account formerly being reported by Defense Finance and Account Services #4584-xxxx and as a result of that investigation the account was deleted from her TransUnion credit report with the investigation results being emailed to her on June 11, to confirm this action
In order to protect her privacy, we will mail a copy of Ms***' credit report to the current address we have on file for herShe can expect to receive it in approximately
to business daysIf Ms*** has any further questions she may call us at
X-XXX-XXX-XXXX, Monday-Friday, 8:AM - 11:PM ETIn addition, she may visit http://transunion.com/consumerfaqs for frequently asked questions about her credit report
Sincerely,
TransUnion

Please see attached:

Complaint: [redacted]
I am rejecting this response because: The credit agency failed to address my complaint. While they reference the "The Fair Credit Reporting Act" to justify reporting dismissed BK's, the FCRA does not mention or even suggest such a policy. In fact, Section...

1681 of the act  says nothing about dismissals or filings. The law clearly states from "date of adjudication" or  the date of "order of relief".  The agency misrepresented the truth by saying, "...10 years from date of filings." They choose this policy in-order to harm citizens.The credit reporting agency is required to verify the item being reported by the creditor. In this case the creditor would be the US BKPT CT CA LA. This agency does not report or verify its cases to the credit reporting agency. The credit reporting agency cannot validate the items and is in violation of the FCRA. I demand they remove the items immeadiately before any further damage is done to me and my family.Finally, I have several instances where the credit reporting agences did in fact remove "dismissed filings." They are very inconsistent in applying the "policy".
Laurie [redacted]

Please see attached...

(The consumer indicated he/she DID NOT accept the response from the business.)
To my knowledge I did not agree to any membership. I never agree to these types of "memberships" Their representative never told me I would be refunded my $17.95. I am a bit confused as to the language of their...

response. It states: On September 25th, 2015 I called and canceled my online subscription and at that time the representative processed a refund of my $17.95 that generally takes 3-5 Business days but could take 30 days. Then further down the paragraph it states: however, based on our policy and service agreement (which I never read or signed) no additional refund is due. So which is it? Are they going to refund me like they stated or are they saying they won't? It is has been 13 business days so please confirm you will refund me my money back within the 30 days. I will then be satisfied.
Thank you,

Initial Business Response /* (1000, 9, 2015/07/20) */
July 20, 2015
[redacted]
c/o Revdex.com servicing Chicago & Northern Illinois
330 North Wabash Ave., Suite 2006
Chicago, IL XXXXX
Re: [redacted], [redacted], Case #[redacted]
We have reviewed the...

correspondence that was forwarded to us from the Revdex.com.
We regret to hear that you are not satisfied with the products and services provided by TransUnion's
Consumer Interactive. We have forwarded your comments to our management team as we are always
looking for ways to enhance our monitoring service product.
Please be advised there are hundreds of scoring models utilized throughout the United States. Scoring
models are chosen by a financial institution based on criteria they specify in relation to their business
needs. Once a financial institution requests a report from a credit reporting agency, the score is then
calculated and provided based on the information contained on your report at that moment. Credit
information in your credit report, including, but not limited to, the number of inquiries, outstanding
balances, number of accounts, age of accounts, etc., is considered when calculating the score.
Please be advised that not every creditor reports to all three bureaus and this may also cause a
difference in scores. Since all scores are based on the information contained in your credit report,
confirming that the credit information on your report is accurate will ensure that the score is correct
regardless of the model used.
If you have any further questions regarding TransUnion's Consumer Interactive online services, please
call us at X-XXX-XXX-XXXX, Monday through Friday, 6AM to 6PM Pacific Time.
Regards,
Customer Support
TransUnion Consumer Interactive

Initial Business Response /* (1000, 8, 2015/07/23) */
July 22, 2015
[redacted]
c/o Revdex.com servicing Chicago & Northern Illinois
330 North Wabash Ave., Suite 2006
Chicago, IL XXXXX
Re: [redacted], Case # XXXXXXXX, UserID: XXXXXXXXX
Dear Mr. [redacted]:
We have reviewed the...

correspondence that was forwarded to us from the Revdex.com.
Our records reflect that on June 29, 2015, you visited our website, www.transunion.com and clicked on an offer to "Get Your Credit Score & Report". On the initial screen, the terms of this offer are stated as "Offer Details: Your FREE TransUnion Credit Score & $1 Credit Report are available as part of a 7-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only $17.95 per month."
Prior to completing the transaction, we did display a full page notification that you had already used your once-in-a-lifetime trial of Credit Monitoring, and asked if you wished to continue to purchase Credit Monitoring for $17.95 a month. You accepted the new offer, verified your identity, then confirmed your payment information for the immediate monthly charge, and accepted the service agreement.
During this membership, we have been monitoring your credit files at all three national bureaus and sending notifications to the email address provided, [redacted]@ymail.com, to alert you of changes to your credit files and remind you that we were monitoring your credit at your request. In addition, your TransUnion reports and scores have been available for daily access, as well as our Debt Analysis, TransUnion Credit Lock and ID theft insurance coverage.
On June 29, 2015, you contacted us to cancel your online subscription. At that time, the representative cancelled the auto-renewal of the subscription service. As you have already been billed for this month, the service will still be accessible until July 30, 2015. Based on our policy and the terms of the service agreement, no refund is due.
If you have any further questions regarding TransUnion's Consumer Interactive online services, please call us at X-XXX-XXX-XXXX, Monday through Friday, 6AM to 6PM Pacific Time.
Regards,
Customer Support
TransUnion Consumer Interactive

Initial Business Response /* (1000, 5, 2015/05/11) */
May 8, 2015
[redacted]
Revdex.com of
Chicago & Northern Illinois
330 N Wabash Ave Suite 2006
Chicago, IL 60611-7621
RE: [redacted] Complaints ID: XXXXXXXX
Dear [redacted]
Thank you...

for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. In response to your request, we have reviewed the information contained in Mr. [redacted]' complaint and are providing the information below in response.
We received Mr. [redacted] complaint about his inability to obtain a credit report, and apologize for any difficulty experienced by the consumer. According to our records, on 05/08/15, we received Mr. [redacted]' request via telephone and a copy of his FACT Act TransUnion credit report has been mailed to the current address we have on file.
If Mr. [redacted] has any further questions, he may call us at X-XXX-XXX-XXXX, Monday-Friday, 8:00 AM - 11:00 PM ET. In addition, Mr. [redacted] may visit http://transunion.com/consumerfaqs for frequently asked questions about his credit report.
Sincerely,
TransUnion

Initial Business Response /* (1000, 6, 2015/09/04) */
September 4, 2015
[redacted]
Revdex.com
330 N. Wabash Avenue, Suite 3120
Chicago, IL 60611
RE: [redacted] Complaint ID: XXXXXXXX
Dear Ms. [redacted]
Thank you for contacting TransUnion. Our goal is to maintain...

complete and accurate information on consumer credit reports. In response to your request, we have reviewed the information contained in Mr. [redacted]'s complaint and are providing the information below in response.
We received Mr. [redacted]'s complaint about the[redacted] Financial Services account, and apologize for any difficulty he may have experienced. The item identified in his complaint has been deleted.
Please note at the time of receipt of Mr. [redacted]'s complaint his file already contained a pending investigation for[redacted] Financial Services. In order to verify the accuracy and completeness of this item, we contacted the source of the information and provided them with any additional relevant data as it related to his complaint. In response to the investigation,[redacted] Financial Services [redacted]xxxx[redacted] was deleted from his TransUnion credit report.
In order to protect Mr. [redacted]'s privacy, we will mail an updated copy of his credit report as well as the full results of our investigation, to the current address we have on file for him. He can expect to receive it in approximately 5 to 7 business days.
If Mr. [redacted]'s has any further questions, he may call us at X-XXX-XXX-XXXX, Monday-Friday, 8:00 AM - 11:00 PM ET. In addition, he may visit http://transunion.com/consumerfaqs for frequently asked questions about his credit report.
Sincerely,
TransUnion
Cc: Mr. [redacted]
[redacted]