1 UNITED STATES DISTRICT COURT
IN AND FOR THE EASTERN DISTRICT OF MICHIGAN
2 Southern Division
v. Civil Action No.
TRANS UNION, LLC, JUDGE BORMAN
9 The videotaped deposition of LYNN S.
10 ROMANOWSKI, called by the plaintiff for examination,
11 pursuant to notice, and pursuant to the Rules of
12 Civil Procedure for the United States District
13 Courts, taken before Cheryl A. Goetsch, CSR and
14 Notary Public in and for the County of DuPage and
15 State of Illinois, on October 22, 2003, at
16 2:39 p.m., at 25 East Washington Street, Suite 1805,
17 Chicago, Illinois.
6 BY MR. Szwak:
7 Q Okay. I'm asking you about whether or not
8 TransUnion archives copies of credit report files
9 that it publishes to any third person other than the
10 consumer themselves in the disclosure.
11 A Yes.
12 Q And when does that happen?
13 A It happens on a daily basis.
14 Q But would it be accurate to say that each
15 time a subscriber makes an inquiry that a snapshot
16 of that report is archived?
17 A Yes.
18 Q And how long has that been going on at
20 A Probably for a few years.
21 Q Has it been going on more than five years?
22 A I'm not sure if it's been five years or
23 within the past five years.
24 Q Okay. Now, is it also accurate to say that
1 TransUnion snapshots periodically, meaning once a
2 month, copies of every data file in its system?
3 A Yes, it does. 4 Q Okay. And those have been -- I don't
5 know -- I'm going to ask you in a moment what --
6 what you call them. But as I understand it, these
7 are periodic name scans, or do you have some other
8 term that you use for them?
9 A I usually refer to them as name scans or
10 monthly backup copies.
11 Q Okay. And that would be part of your --
12 your standard computer backup routine at your
14 A I believe so.
15 Q In essence, if the -- if something happened
16 with a computer, you would need a backup of the data
17 files in order to recreate some portion or perhaps
18 the whole system?
19 A I can't verify whether or not that's the
20 reason why those tapes exist.
21 Q Now, in this case I'm -- I'm gathering you
22 have some understanding of -- of the plaintiff's
23 complaint in this case?
24 A Yes.
1 Q What is your understanding of what
2 Ms. Porter is complaining about?
3 A That in response to her inquiry an
4 additional file for William is also being reported.
5 Q Okay. And did you find that her complaint
6 was legitimate? In essence, was that occurring, or
7 was that not occurring?
8 A According to the form -- Exhibit 2 that I'm
9 seeing in front of me, if this is the actual credit
10 report, then, yes, it does appear that that is --
11 that occurred.
Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues
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- What is a Consumer [Credit] Reporting Agency?
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- Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?
- Investigative Consumer [Credit] Reports
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- FCRA Private Rights of Action and Duties Imposed by the FCRA
- Impermissible Access: 15 U.S.C. 1681b[f] and 1681q
- Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)
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- Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][B]
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- Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a]
- Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c
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- Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA
- Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]
- Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11
- Credit Repair Organizations Act [CROA]
- 1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer
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- Common Credit Report Errors and Agency Misconduct
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- FCRA Preemption: 15 U.S.C. 1681t[b][F] and Related Discussions
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- Standing to Sue
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- Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies
- The Mechanics of Credit Reporting
- Public Records Reportings [Non-Bankruptcy]
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- Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry
- Defenses Asserted by Credit Reporting Defendants
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