TU: ACCOUNT STATUS: TERMINATED

Types, Names, Descriptions, Testimony
David A. Szwak

TU: ACCOUNT STATUS: TERMINATED

Postby David A. Szwak » Wed Dec 21, 2005 12:06 pm

 1
1 IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF TEXAS
2 MARSHALL DIVISION

3 DIANA A. POULSON, * Plaintiff, *
4 * vs. * CASE NO. 2:05CV75
5 * TRANS UNION, LLC, CSC CREDIT *
6 SERVICES, INC., EQUIFAX * INFORMATION SERVICES, LLC, *
7 EXPERIAN INFORMATION * SOLUTIONS, INC., DISCOVER *
8 FINANCIAL SERVICES, INC., * USAA CREDIT CARD BANK, SEARS *
9 ROEBUCK & CO., INC. AND * CITIBANK [USA], N.A., *
10 * JURY DEMAND Defendants. * JUDGE DAVIS
11
12 ORAL AND VIDEOTAPED DEPOSITION OF
13 STEVEN REGER DECEMBER 13, 2005

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16 Q Now, as of August 4 of 2004, the Citibank
17 account beginning 5121071811734825 with an open date of
18 September of 1979 has now gotten to a delinquent
19 status. Is that true?
20 A Yes.
21 Q And, in fact, Citibank is now reporting that
22 the account relationship is terminated. Do you see
23 that reference?
24 A Yes.
25 Q What does that mean in terms of an

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1 association with the account between the plaintiff and
2 that account?
3 A It means simply Citibank has reported to us
4 that they've terminated any relationship between the
5 consumer for whom this credit report relates and that
6 particular credit card.
7 Q Okay. Now, when you say terminate, it means
8 they've closed the account to prevent this particular
9 consumer from using that account, assuming the consumer
10 tried to. Right?
11 A I don't know what Citibank would mean by
12 terminated or they represented that to be.
13 Q Well, what does Trans Union interpret the
14 text to be since it's in a Trans Union report?
15 A That there's no longer a relationship between
16 this consumer and that credit card.
17 Q That wouldn't be a positive reflection in a
18 credit file, would it?
19 A You're asking me personally?
20 Q Right. What does it mean in Trans Union
21 jargon? I mean, is it -- you-all put the text in the
22 file at their behest, but what does it mean in terms of
23 -- is it designed to show that the plaintiff no longer
24 -- that if this is her account, she's no longer being
25 allowed to use it. Right?

40
1 A That she's no longer associated with that
2 account. I would --

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