    
Christine
Board Administrator
Username: Christine
Post Number: 1218
Registered: 09-2002
| | Posted on Sunday, August 03, 2003 - 03:02 am: | 
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CONSUMERINFO.COM
330. Plaintiff repeats, realleges and incorporates by reference the foregoing paragraphs.
331. CONSUMERINFO.COM resells tri-merged consumer credit reports for $34.95 and plaintiff purchased these reports on several occasions when TRANS UNION declined to provide her credit report.
332. Plaintiff previously advised CONSUMERINFO.COM that their reports are not complete and that the inquiries resulting from these consumer orders could lower credit scores. CONSUMERINFO.COM responded that their inquiries did not lower credit scores.
333. CONSUMERINFO.COM claimed in plaintiff’s 6/23/01 tri-merged credit report that TRANS UNION reported a Bureau of Commercial collection. The TRANS UNION consumer disclosures dated 3/9/01 and 9/27/01 reported the PROFESSIONAL RECOVERY collection, but no Bureau of Commercial collection.
334. Upon information and belief, the CONSUMERINFO.COM 6/23/01 report does not contain the PROFESSIONAL RECOVERY collection reported by TRANS UNION on 3/9/01 and 9/27/01.
335. Upon information and belief, the CONSUMERINFO.COM 6/23/01 report claimed that TRANS UNION reported the Home Savings and Sears accounts as unrated. The TRANS UNION consumer disclosures dated 3/9/01 and 9/27/01 reported the accounts correctly “paid as agreed.”
336. Upon information and belief, the CONSUMERINFO.COM 6/23/01 report contained different data than the TRANS UNION report, and plaintiff has no explanation for those major differences.
337. According to TRANS UNION attorney Amanda Lewis, the inquiries resulting from all consumer credit disclosures not ordered directly from TRANS UNION will result in “hard” score lowering inquiries as if the consumers had applied for credit.
338. On March 10, 2003, CONSUMERINFO.COM advertised at their web site that they offered the most complete credit reports, and the advertised credit scores for an additional $5 each. Plaintiff ordered the tri-merged credit report and the TRANS UNION credit score, expecting to receive the FAIR ISAAC Empirica score. Instead, plaintiff received a TRANS UNION worthless and incorrect score no lender uses.
339. Plaintiff e-mailed to CONSUMERINFO.COM on 10/3/02 her request for a full refund because their report was not complete and the score was worthless. The "date of last activity" was missing from the report and only two years of payment history instead of 7 years were reported.
340. Plaintiff received an automated acknowledgment of her e-mail right away, promising review and response to her e-mail in the order received
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502. CONSUMERINFO.COM willfully and negligently failed to certify the purpose of plaintiff’s consumer disclosures in violation of FCRA § 1681e(e).
503. CONSUMERINFO.COM willfully and negligently failed to provide complete consumer disclosures on numerous occasions in violation of FCRA § 1681g(a)1.
504. CONSUMERINFO.COM willfully and negligently engaged in the sale of worthless and incorrect credit scores with intent to mislead and defraud plaintiff and millions of consumers.
g) An order directing that CONSUMERINFO.COM immediately cease selling incomplete consumer disclosures and false and misleading credit scores;
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