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CreditCourt Forum » Baker v. Fair Isaac, CRAs , American Agencies, Pacific Bell ... » Exhibits » ConsumerInfo.com: Exhibits F - L « Previous Next »

EXHIBITS

Plaintiff had no choice but to include her credit reports with the scores in order to show that ConsumerInfo.com is a CRA as defined by the FCRA, producing incorrect and incomplete credit reports and selling fraudulent credit scores. Unfortunately, plaintiff’s 17 accounts resulted in a 15 page CreditExpert report and a 26 page myFICO Experian report. That in itself is proof that something is wrong with credit reporting.

It is not plaintiff’s intent to have every page reviewed and analyzed at this time, but merely to show the complexity of credit reporting and scoring. However, the Court and anyone reviewing these exhibits should be aware that a CONSUMER does have to review all these reports and score explanations, each account, number and notation, not only on their various Experian reports, but also for Trans Union and Equifax.

  Thread Last Poster Posts Pages Last Post
EXHIBIT F -- Trans Union and Equifax locked plaintiff’s credit files
Trans Union and Equifax locked plaintiff’s credit files to prevent her from obtaining her online consumer disclosures and FICO scores.
Christine01-17-04  10:32 pm
EXHIBIT G -- Plaintiff’s communications regarding ConsumerInfo.com
Plaintiff’s communications regarding the ConsumerInfo.com inaccurate and incomplete reports and the occasional “hard” score lowering inquiries and ConsumerInfo.com printouts from their web site.
Christine01-17-04  10:31 pm
EXHIBIT H – Plaintiff’s ConsumerInfo.com tri-merged report
Plaintiff’s ConsumerInfo.com tri-merged report dated 8/9/03 with the CreditXpert Experian score of 701
Christine01-17-04  10:30 pm
EXHIBIT I – Plaintiff’s CreditExpert Experian consumer disclosure
Plaintiff’s CreditExpert Experian consumer disclosure dated 8/9/03 with Experian score 681
Christine01-17-04  10:30 pm
EXHIBIT J – Plaintiff’s PrivacyGuard tri-merged report dated 8/9/03
Plaintiff’s PrivacyGuard tri-merged report dated 8/9/03
Christine01-17-04  10:29 pm
EXHIBIT K – Plaintiff’s myFICO Experian credit report & various myF...
Plaintiff’s myFICO Experian credit report with the FICO credit score of 659 and various “educational” printouts from the myFICO.com web site.
Christine01-17-04  10:28 pm
EXHIBIT L – Plaintiff’s snail mailed 8/5/03 Trans Union credit report.
Plaintiff’s snail mailed 8/5/03 Trans Union credit report.
Christine01-17-04  10:27 pm
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