Trans Union's File Identification Number System [FIN]

Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues
David A. Szwak

Trans Union's File Identification Number System [FIN]

Postby David A. Szwak » Tue Oct 11, 2005 4:34 am

Trans Union File Identification Number shown at the top of each report. The FIN is Trans Union's method of tracking reports created from within their system, both as to report creation, report activity and transaction and archival processes. It is also used to track consumer dispute documentation, CDV's, ACDV's, UDF's, AUDF's, etc. Each new activity or event is logged and causes a new suffix to the number, ex., "-001," then "-002," then "-003," etc. Usually, the first dispute letter is logged in and archived at or about the same moment TU accesses the first internal credit report access to view the file to see what the file looks like and to notate the incoming disputes. Thus, hypothetically, your incoming dispute letter might log in, be scanned and archived as "2005123ABC-001" and then TU would usually access an internal copy of your credit report to see what it looks like and that report copy would log in, be captured interally and archived as "2005123ABC-002." Then TU might send you a disclosure copy of your report and it might log in, capture internally and archive as "2005ABC123-003." If TU sent you a cover letter or other request for information, then those items similarly are logged in, captured and archived in succession. Internal coding is detailed and not included in this post.

The FIN changes when disclosure and dispute cycles close. Experian uses a similar method of archiving their reports and disclosures. Experian also went to the use of a PIN [Personal ID Number] in an effort to begin to identify each consumer by a number different from merely the social security number.

The TU file must be considered by the date the file came into existence. Reports and other records can be matched as to their cycle by the FIN and successive suffix numbers to get a progressive snapshot of what was happening with the file.

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