Complaint Regarding Unauthorized Alterations to Residential Address by TRUELINK

Dear Sir/Madam,

I, Sarai Hannah Ajai, henceforth referred to as "the Complainant," am writing to address a serious matter concerning my credit file accounts with TransUnion Holding Company Inc. ("TransUnion") and Experian PLC ("Experian"), and their association with TrueLink, Inc. ("TrueLink"). TrueLink was acquired by TransUnion and subsequently dissolved, no longer registered with the Delaware Secretary of State's Division of Corporation as of approximately December 2002 (refer to Exhibit A for details). Furthermore, it has come to my attention that TransUnion Interactive, Inc., formerly known as TrueLink, operates as a TransUnion subsidiary, providing online access to consumer credit file accounts through paid services platforms (refer to Exhibit B for details). However, on April 5, 2023, Harvard Business Services, Inc. established TRUELINKS, Inc. ("TRUELINKS") as a separate legal entity registered with the Delaware Secretary of State's Division of Corporation, acting as a Registered Agent business not legally affiliated with TransUnion (refer to Exhibits C1 and C2 for details). Additionally, I have uncovered True Link Financial, Inc. ("TRUELINK"), a subsidiary registered in California with incorporation in Delaware under "The Corporation Trust Company" as the registered agent, dated February 19, 2013 (refer to Exhibits D1, D2, and D3 for details). To summarize, the TrueLink business name is no longer registered with the Delaware Secretary of State's Division of Corporation and is now known as TransUnion Interactive, Inc. However, TRUELINK, as a short business name, is a current legal entity registered in California, to which I have no legal affiliation for any Visa card services applications. Furthermore, TRUELINKS, spelled with an "S" at the end, is a legal business entity in Delaware, again with which I have no legal affiliation as my registered agent. And, I have reached out to TRUELINK via email regarding unauthorized Visa accounts created using my Personal Identifiable Information ("PII"), and they have confirmed no such accounts exist (refer to Exhibit E for details).

Therefore, my Experian credit file account reflects a fictitious "TRUELINK" business entity that unlawfully gained unauthorized access to my credit file accounts, generating credit inquiries without my consents dated on November 18, 2023, and March 6, 2024 (refer to Exhibit F for details), and inaccurately altering my residential address. The recent actions taken have severely encroached upon my privacy rights and left me vulnerable to identity theft issues. These deliberate violations of the Fair Credit Reporting Act, Title U.S.C. § 1681e, stem from the absence of “Compliance Procedures”, and Title U.S.C. § 1681s-2, stems from the failure of TRUELINK to fulfill their obligations, specifically "Responsibilities of Furnishers of Information to Consumer Reporting Agencies," with regards to Experian and TransUnion. As a result, inaccurate information has been erroneously reported on my Experian credit file account, leading to significant noncompliance problems.

On April 9, 2024, and April 6, 2024, I had received email notifications from Experian indicating that they were unable to process my request under Section 611(a)(3)(A) of the Fair Credit Report Act due to insufficient information regarding my dispute (refer to Exhibit G1 and G2 for details). Despite uploading my notarized "Affidavit of Identity" documents to my Experian credit file account on April 5, 2024, and again on April 7, 2024, through the experian.com/upload portal referenced in the Dispute Results report number xxxxxx5877, I did not receive any confirmation from Experian acknowledging receipt of my documents. Instead, Experian continued to send repeated email notifications without addressing my residential address disputes. Notably, the Experian dispute form lacks a direct upload button for attaching documents, only providing a hyperlink that is disconnected from the dispute form, a clear indication of users interactive design flaws. This oversight violates the Fair Credit Reporting Act, specifically Title U.S.C. § 1681e, which mandates compliance procedures for document submission. Additionally, Experian's failure to confirm receipt of electronic uploads breaches Title U.S.C. § 1681h, which requires them to provide access to credit files upon request with proper identification.

Similarly, I had encountered upload issues with TransUnion when attempting to submit my "Affidavit of Identity" dated April 6, 2024, through the TransUnion Support Center account. This affidavit was essential for legally disputing any unauthorized alterations to my TransUnion credit file and monitoring the status of my TransUnion manage freeze webpage. However, despite my efforts, I had received an error message indicating, "Sorry, we're having trouble showing the status of your credit freeze right now" (refer to Exhibit H for details). Furthermore, I had endeavored to authenticate my identity by uploading the affidavit of Identity via the TransUnion Support Center website after logging into my account. Regrettably, I had encountered another error message, "We’re unable to complete your request online," hindering the completion of the upload process (refer to Exhibit I for details). These actions by TransUnion violate the Fair Credit Reporting Act, specifically Title U.S.C. § 1681e, which outlines compliance procedures for document submission.

In light of these FCRA violations and noncompliance issues, it is imperative for Experian and TransUnion to promptly address these concerns and cooperate fully to rectify the situation. And, your immediate assistance is necessary to ensure the integrity of my Experian and TransUnion credit file accounts processes and uphold consumer rights under the FCRA.