My Fax to TU - February 17, 2002 

via fax to 214-(deleted)

Amanda Stamps Lewis
Strasburger & Price, LLP

February 17, 2002

RE: Christine Baker v. Trans Union, LLC, Cause No. 801 2001 CV 1751 UN; In the Justice Court of Mohave County, Kingman, AZ.

Dear Ms. Stamps Lewis:

Thank you very much for your prompt reply 2/7/2002, and the 1/31/2002 Initial Disclosure with attached documents, labeled TU00001 - TU00116, the Consumer Relations file for me. I'm sorry it took me a while to respond. I've been so busy, and it'll take me a couple more weeks to thoroughly inspect all those papers as I'm going to San Francisco and I don't have a staff or attorney (yet.)

I do have a few more questions right now:

1) Regarding the collection, Professional Recovery - How long will this account remain on my TU credit report?


2) Today I ordered my Consumerinfo.com tri-merged report and I have several questions about the Trans Union address reporting:

a) My current address is listed as: (address deleted) California -- this is NOT my address, please delete it.
b) (address deleted) - Arizona. Now that's odd. It's the address I used to file this law suit, and it is only a temporary address. Who reported THAT address?
c) My previous address is listed as 989 So. Main St, Cottonwood, AZ 86326. That IS my current billing address.


3) COMPLETE Trans Union consumer credit disclosures - INQUIRY reporting.

I had previously requested that you supply me with my COMPLETE report including the inquiry coding. You informed me that my TU report contains ALL data and that there is NO data hidden from me and disclosed to potential creditors and Fair Isaac. However, on my Consumerinfo.com report I see the following inquiry data:

CAP ONE BANK
** Banks and S&Ls
Sep 6, 2001

GENERATIONS
** Banks and S&Ls
Sep 6, 2001

VOICE STREAM
** Utilities and fuel
Jul 9, 2001

COMPASS BANK
** Banks and S&Ls
Jun 26, 2001

CONSUMERINFO
** Miscellaneous and public record
Jun 23, 2001

ACN
** Utilities and fuel
Dec 11, 2000

I'm comparing that to TU00097 - page 6 of 7 of my TU consumer credit report:

"The following companies have received your credit report. Their inquiries remain on your credit report for two years. (Note: "TU Consumer Disclosure" Inquiries are not viewed by creditors).

Inquiry type -- Date -- Subscriber Name

Individual 09/06/2001 Capital One Bank
Individual 09/06/2001 Generations Bank
Individual 07/09/2001 20011900600066 Via Voicestream Wireless
Individual 06/26/2001 Compass Bankcard
Individual 06/23/2001 FAC/Consumerinfo.com
Individual 12/11/2000 ACN

I omitted the inquiries by TU as they do not show on the Consumerinfo.com report.

I denoted the Consumerinfo.com data that I previously requested from you, but you stated that TU doesn't have it, with the two " ** "

a) ** "Miscellaneous and public record" is the subscriber code for Consumerinfo.com.

Since this inquiry showed up on the Consumerinfo.com report, do I assume correctly that any other creditor and Fair Isaac will also view this inquiry with the data they receive?

b) Apparently you don't really KNOW what data TU actually has on file about me. Or did Consumerinfo.com make these inquiry classifications up?

WHO told you that TU has NO inquiry classification data? And where are we going from here?

Ms. Stamps, you have been very helpful and you very promptly responded to my many questions. I filed this law suit to get answers from TU. Now it looks like TU is submitting false information even in legal proceedings, through you. I find that very disturbing.


4) And yes, I did state earlier that I was interested in settling this matter. I still am. But I do want my complete TU credit report -- including ALL the data creditors and Fair Isaac receive, and of course I want reimbursement of my damages.

Capital One had offered me a credit card with a limit of $5,000, and based on my TU credit report, I was approved for only $1,000. Simple arithmetic results in $4,000 in damages just from Capital One. Generations Bank declined to open an account. And today I spent almost $40 just to find out how my TU inquiries are classified.

Of course these are only part of my damages. Not included are the cost of lost opportunities, higher interest rates on my open accounts, and of course the many hours required to deal with this law suit.

That "two files" excuse for not investigating my disputes makes no sense. You actually sent me the 2nd file, which of course was my file too - VERY obviously so, according to the documents you provided me with. And you never did explain why the Consumerinfo.com credit report I had enclosed with my disputes did not contain sufficient data to verify my identity.

Sincerely,

Christine Baker

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Subject: CONFIRM: dispute response Christine Baker v. Trans Union, LLC, Case No.

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