Melody and her husband Steve were denied credit because apparently Steve’s SSN was used by an illegal alien and the CRAs created “subfiles” and did NOTHING to correct the problem.

At Melody’s web site you can see the Trans Union Go to Hell!!!! letter.

The implications of this type of SSN ONLY ID theft are far beyond what I had ever considered.  I’ve actually never seen a case like this, yet, if you look at the # of illegal aliens, you can imagine how many “extra” files there are.  Not to mention the many citizens who transpose numbers on applications or deliberately apply with fictitious SSNs.

The CRAs deliberatly designed their databases to allow for MULTIPLE names attached to the UNIQUE SSNs.

They chose to focus on PROFITS, selling MORE credit reports, selling MORE promo leads, selling FRAUD detection services to creditors and of course selling the worthless credit monitoring services to us suckers.  That’s the RICO claim.

Melody not only spent years battling CRAs and creditors, but she also conducted an intense investigation, located the individual who used the SSN and found the “subfiles.” Unlike most people, she decided to try to CHANGE credit reporting through a class action and she is even paying the legal fees.

This is the lawsuit I’ve been waiting for!

You can read a lot more at Melody’s website and we both posted additional info at the new Fight Back!!! Identity Theft topic.

Prior to the class certification, no additional plaintiffs can be accepted, but please read or post at the Fight Back!! forum for more details.

Update 9/13/04:  The RICO claim was dismissed, unfortunately, and the suit was refiled as a class action against Equifax.

source:http://www.creditsuits.org