EXHIBIT A 

COMPLAINT TO TRANS UNION, LLC

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 1 of 26 Pg ID 5
STATE OF MICHIGAN 

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JUDICIAL DISTRICT CASE N0. 

JUDICIAL CIRCUIT COMPLAINT

52-3Dc l § · 

Court address Court telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER MI 48307 (248) 853·5553 

Plaintmf n¤me(s) and address(es) Defendant name(s} and address(es) 

Paul Tatseos & Elja Tatseos The Prentice—HaIl Corporation System, Inc. 

905 Buckhgm Dr" Registered Agent for TransUnion, LLC 

Lake orion Mi 48362 601 A¤¤<{¤ Rdpaul.tatseos@gmai|.com East La"S'"g· Ml 48823 

248—804-1222 _

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COMPLAINT. 

NOW COME the above named Plaintiffs, Paul Tatseos and Eija Tatseos, pro se, and 

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for their Complaint states as follows: 

This is a civil action whereby Plaintiffs seek Preliminary and Permanent injunctive - 

Relief enjoining Defendant, TransUnion, LLC, from engaging in further violations of the Fair 

Credit Reporting Act, 15 U.S.C. § 1681 et seq. 

An actual controversy exists between the parties, in that the alleged actions of the

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Defendant has caused and will continue to cause the Plaintiffs substantial harm un|essrthe<g,§Q 

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requested relief is granted. gg -

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INTRODUCTION . 

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1. Plaintiffs have been corresponding in writing, via US Postal Certified Mail, Return Receipt 

Requested (hereinafter, ”CM RRR") with Defendant for over 16 months to correct s 

inaccuracies on Plaintiff's files held and maintained by Defendant, pursuant to 15 U.S.C. § 

1681 (i)(a)(1)(A). 

2. Plaintiffs communicated to Defendant on August 23, 2013 that Plaintiffs were victims of 

identity theft on and around the year of 2008, this fraudulent activity being the reason for

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JUDICIAL DISTRICT · 

CASE N0. A 

JUDICIAL CIRCUIT 

COMPLAINT i . 

52-3DC 

Court addressCourt telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER Ml 48307 (248) 853-5553 

Plaintyf nume(s) and address(es} Defendant name(s) and address(es) 

Paul Tatseos & Eija Tatseos The Prentice—HaIl Corporation System, Inc. 

905 Buckhgyn D.;

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Registered Agent for TransUnion, LLC 

Lake Orion MI 48362 601 APPPYY Rdpau|.tatseos@gmai|.com East La"$'"g* MI 48823 

248-804-1222 

the aforementioned inaccuracies being entered on Plaintiffs’ files held and maintained by 

Defendant. . 

3. While many inaccuracies have been corrected on Plaintiffs’ files held and maintained by 

Defendant, several inaccuracies remain. Q 

4. Defendant did not "conduct a reasonable reinvestigation" into Plaintiffs’ disputes, 

pursuant to 15 U.S.C. § 1681 (i)(a)(1)(A), rather relied on their ”eOscar" computer system .. 

· to perpetuate inaccurate information. .-.» 

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5. Plaintiffs submitted a "Method of Verification" request, pursuant to 15 U.S.C. § 16:§1 E?.§‘‘ 

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6. Defendant demonstrated willful noncompliance by responding to Plaintiffs’ ”Methqd of| 

Verification" request with standard form letters containing no specific information 

relevant to Plaintiffs’ request, and by not providing the information pursuant to 15 U.S.C. 

§ 1681 (i)(a)(6)(B)(iii). 

JURI§DICTION AND VENUE 

7. Jurisdiction of this court arises under 15 U.S.C. § 1681p. · 

8. Declaratory relief is available pursuant to 28 U.S.C. §§ 2201 and 2202.

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 3 of 26 Pg ID 7
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STATE OF MICHIGAN ‘

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JUDICIAL DISTRICT CASE N0. 

JUDICIAL CIRCUIT 

COMPLNNT 

52-3DC 

Court address Court telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER MI 48307 (248) 853-5553 

PIuintUY n¤me{s) and ¤ddress(es) Defendant name(s)—und ¤ddress{es) 

Paul Tatseos & Eija Tatseos The Prentice-Hall Corporation System, Inc. 

905 Buckhom D;-_ Registered Agent for TransUnion, LLC 

Lake orion ivu 48362 . 601 A¤¤<{¤ B¤- 

paul.tatseos@gmaiI.com East La“$'"g# N" 48823 

248-804-1222

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9. Venue is proper, because many of the relevant events occurred within Oakland County in 

the State of Michigan. 

PARTIES 

10. Plaintiffs are Paul Tatseos and Eija Tatseos.

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11. Plaintiffs are consumers as defined in 15 U.S.C. § 1681 (a)(c). 

12. Defendant is TransUnion, LLC. mg, 1 U

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13. Defendant a "Consumer Reporting Agency" as defined in 15 U.S.C. § 1681 (a)(b) sig 

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14. The Plaintiffs reside in Lake Orion, Oakland County, Michigan.

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15. Plaintiffs’ consumer reports held by Defendant are as defined by 15 U.S.C. § 1681 (a)(d),

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et seq. 

16. PIaintiffs’ first communication to Defendant was on August 23, 2013 notifying Defendant 

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that Plaintiffs were victims of identity theft (copy of letter and proof of receipt can be 

found in Exhibit 1), providing a proper Police Report as supplemental information (copy of 

Police Report can be found in Exhibit 2).

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 4 of 26 Pg ID 8
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STATE OF MICHIGAN ·

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JUDICIAL DISTRICT CASE NO. 

JUDICIAL CIRCUIT COMPLAWT 

52-3DC 

Court address 

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Court telephone no. 

52—3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER Ml 48307 (248) 853-5553 

Plaintyf nume(s) and address(es) Defendant name(s) and ¤ddress(es) 

Paul Tatseos & Elja Tatseos The Prentice-Hall Corporation System, Inc. 

QQ5 Bugkhgrn DL _ 

Registered Agent for TransUnion, LLC 

. Lake orion Mi 48362 6°1 A¤¤·{¤ Rdpaul.tatseos@gmail.com East Lansmgi Ml 48823 

248-804-1222 

17. On October 13, 2014, Plaintiffs sent a letter CMRRR to Defendant disputing items of 

information on their consumer reports (copy of letter and proof of receipt can be found in 

Exhibit 1). Specifically for Paul Tatseos, the- following items were disputed: HSBC account 

REDACTED 8962 and Chase Account RE¤ACTE1>.4312. Specifically for Eija Tatseos, the

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following items were disputed: 52-3 District Court Judgment 09C05653GC and 52—3 

District Court Judgment 10C008314GC.

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18. ln Plaintiffs' letter dated October 13, 2014, Plaintiffs very clearly noted that 

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documentation relevant to the items disputed in paragraph 17 was enclosed with the

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communication. J: 

19. The documentation referred to in paragraph 18 specifically was settlement agreenEnts 

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from a recent complaint that Plaintiffs filed against Equifax information Services. 

20. The settlement agreement referred to in paragraph 19 shows the removal of the items 

disputed in paragraph 17 from PIaintiffs’ consumer reports held by Equifax information 

Services.

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21. On October 29, 2014, Defendant responded to the disputes on Paul Tatseos’ consumer

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report as "NEW INFORMATION BELOW" (copy of letter can be found in Exhibit 3), but did 

not conduct a reasonable reinvestigation, did not consider the new information provided

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 5 of 26 Pg ID 9
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STATE OF MICHIGAN ·

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JUDICIAL DISTRICT CASE N0. 

JUDICIAL CIRCUIT 

COMPLAINT 

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52-3oC 

Court address

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Court telephone no.

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52-3 DISTRICT COURT 700 BARCIAY CIRCLE ROCHESTER Ml 48307 _ I (248) 853-5553

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PIointUfname(s) and address(es) Defendant nume(s} and uddress(es) 

Paul Tatseos & Eija Tatseos The Prentice·Hall Corporation System, lnc. 

995 Buckhgm DL Registered Agent for TransUnion, LLC 

Lake orion Ml 48362 601 A*>¤9¤ R¤- 

paul.tatseos@gmail.com East L°"S'"g· MI 48823 

248-804-1222 

and referred to in paragraphs 18-20, but rather relied on their ”eOscar” computer system 

to perpetuate inaccurate information. 

22. Defendant’s letter dated October 29, 2014 does not provide any new information on 

Defendant’s consumer report, contradicting the statement made by Defendant itself. 

23. On November 27, 2014, Defendant responded to the disputes on Eija Tatseos' consumer

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report as "VERIFIED, NO CHANGE" for item 1OCO8314GC (copy of letter can be found inwg ` 

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Exhibit 3), but did not conduct a reasonable reinvestigation, did not consider the ww

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information provided and referred to in paragraphs 18-20, but rather relied on thgil Qi · 

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”eOsCar" computer system to perpetuate inaccurate information, and failed to re§onE. °,LIf 

within the 30 day time period required by 15 U.S.C. § 1681 (i)(a)(1). 

_ 24. On November 18, 2014, Plaintiffs sent a letter CMRRR to Defendant requesting "Method 

of Verification” pursuant to 15 U.S.C. § 1681 (i)(a)(7) and 15 U.S.C. § 1681 (i)(a)(6)(B)(iii) 

for all remaining negative line items (copy of letter and

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proof of receipt can be found in 

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Exhibit 1). . 

25. On November 24, 2014, Defendant responded the P|aintiffs’ letter referred to in 

paragraph 24 (copy of letter can be found in Exhibit 3).

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STATE OF MICHIGAN ‘

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JUDICIAL DISTRICT CASE N0. 

JUDICIAL CIRCUIT 

COMPLAINT ‘§ 

52-BDC 

Court addressCourt telephone no. 

52-3 DISTRICT COURT 700 BARCI.AY CIRCLE ROCHESTER Ml 48307 (248) 853-5553 

Pluintif nume(s) and oddress(es) Defendant n¤me(s) and address(es) 

Paul Tatseos & Eija Tatseos The Prentice-Hall Corporation System, Inc. 

QQ5 Buckhgrn DL Registered Agent for TransUnion, LLC 

Lake orion Ml 48362 601 Abbqtt R¤· 

pau|.tatseos@gmai|.com " East L°"$'"g* MI 48823 

248-804-1222

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26. In Defendant's letter dated November 24, 2014, Defendant statesl that ”TransUnion 

reviews and considers all relevant information you provide...", but did in fact not consider 

the new information provided and referred to in paragraphs 18-20, but rather relied on 

their "eOscar" computer system to perpetuate inaccurate information. 

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· . COUNT I- VIOLATION OF 15 U.S.C. § 1681 (I)(a)(1) c; (-;.2 

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27. Plaintiffs restate and re-allege all above paragraphs herein. 

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28. On October 29, 2014, in responding to Plaintiff’s letter dated October 13, 2014, Dé@ndgvgI§ ‘ 

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did not conduct a reasonable reinvestigation prior to reporting as "VERIFlED" or NEW

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INFORMATION BELOW", each of the four (4) disputed line items referenced in paragraph 

17 on Plaintiffs' consumer reports. 

29. Defendant's letter dated November 27, 2014 in response to Plaintiffs’ letter dated 

October 13, 2014 was received outside of the 30 day time period required by 15 U.S.C. § 

1681 (i)(a)(1)(A), specifically "before the end of the 30-day period beginning on the date 

on which the agency receives the notice of the dispute". Defendant received Plaintiffs' 

letter on October 20, 2014, copy of the CMRRR receipt card is included in Exhibit 1.

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STATE OF MICHIGAN · 

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JUDICIAL DISTRICT CASE N0.

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1uoIcIAL cancun 

COMPLAINT

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52-3DC t 

Court address Court telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER MI 48307 - (248) 853-5553 

Plaintmf name(s) and uddress(es}

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Defendant name(s) and address(es) 

Paul Tatseos & Eija Tatseos _ The Prentice-Hall Corporation System, Inc. 

905 Buckhgyn D)-_ Registered Agent for TransUnion, LLC

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Lake Orion MI 48362 601 APPQU Rd-

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paul.tatseos@gmai|.com East La"$'"g* MI 48823 

248-804-1222 ‘ 

COUNT"- VIOLATION OF 15 U.S.C. §§ 1681 (i)(a)(7) and (i)(a)(6)(B)(iii) 

30. Plaintiffs restate and re-allege all above paragraphs herein. 

31, In its letter dated November 24, 2014, Defendant misrepresents the nature of its 

consideration of additional information provided by Plaintiffs, and infact does not 

consider Plaintiffs' information but rather relies on their "eOscar" computer system to 

perpetuate inaccurate information on PIaintiffs’ consumer reports for each of the four (4) 

disputed line items referenced in paragraph 17. 

32. In its letter dated November 24, 2014, Defendant does not provide the information _ 

required by 15 U.S.C. § (i)(a)(6)(B)(iii), specifically:

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...incIuding the business name and

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address of any furmsher of information contacted In connection with such lI'IfOI'IBtl0gg·\;‘)

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and the telephone number of such furnisher..." for each of the four (4) disputed Iige itecgzgigi 

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referenced in paragraph 17. "° 

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- E C12 COUNT lll — VIOLATION OF 15 U.S.C. §§ 1681 lc-2)|a) (,1 2;, 

33. Plaintiffs restate and re—alIege all above paragraphs herein. . 

34. In its letter dated August 23, 2013, and via all subsequent communication, Plaintiffs 

· informed Defendant that negative-information on Plaintiffs' consumer reports are due to

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STATE OF MICHIGAN ·

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JUDICIAL DISTRICT CASE No. 

JUDICIAL CIRCUIT 

COMPLAINT 

52-3DC 

Court address Court telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER Ml 48307 . 

· (248) 853-5553 

P/aintb‘f nume(s) and uddress(es) Defendant name(s) and address(es) 

Paul Tatseos & Elja Tatseos The Prentice—HaIl Corporation System, Inc. 

905 Buckhgrn Dy; Registered Agent for TransU nion, LLC 

Lake orion rvu 48362 601 A¤¤<{¤ Rdpaul.tatseos@gmail.com East L°"$'"g· Ml 48823 

248-804-1222

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identify theft and should be blocked from reporting, pursuant to 15 U.S.C. §§ 1681 (c2)(a), yet Defendant continues to report this negative information for each of the four (4) 

disputed line items referenced in paragraph 17. 

CLAIM FOR RELIEF = 

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WHEREFORE, the Plaintiffs Paul Tatseos and Eija Tatseos, request that this·€0urtb, '?( . 

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enterjudgment in its favor and against Defendant In the amount of: I EG |\_) ___"|"\ 

(UC) 

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a) Statutory damages of $1000 per violation as provided by 15 U.S.C. §§ 1681 et seq. fgr Or -; 

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each of the five (5) violations of 15 U.S.C. § 1681 (i)(a)(1) as described in Count I, fof-5 

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total of $5000.

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- b) Statutory damages of $1000 per violation as provided by 15 U.S.C. §§ 1681 et seq. for 

each of the four (4) violations of 15 U.S.C. §§ 1681 (i)(a)(7) and (i)(a)(6)(B)(iii) as described 

in Count Il, for a total of $4000. 

c) Statutory damages of $1000 per violation as provided by 15 U.S.C. §§ 1681 et seq. for 

each of the four (4) violations of 15 U.S.C. §§ 1681 1681 (c-2)(a) as described in Count Ill, 

for a total of $4000. "

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JUDICIAL DISTRICT CASE No. 

JUDICIAL CIRCUIT 

COMPLAINT 

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S2-3DC 

Court addressCourt telephone no. 

52-3 DISTRICT COURT 700 BARCLAY CIRCLE ROCHESTER MI 48307 (248) 853-5553 

PlaintU` f name(s) and ¤ddress(es) Defendant name(s) and ¤ddress(es) 

Paul Tatseos & Eija Tatseos The Prentice-Hall Corporation System, Inc. · 

905 Buckhgrn Dr_ Registered Agent for TransUnion, LLC 

Lake orion Ml 48362 601 Al>¤<{¤ Rdpaul.tatseos@gmai|.com East La"S'"g* MI 48823 

248-804-1222

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d) Punative damages as provided by 15 U.S.C. §§ 1681 et seq. as this Court may deem just 

and proper. 

e) Defendant’s actual costs of this action, including but not limited to court filing fees to be 

determined at filing time. 

f) injunctive relief as provided by 15 U.S.C. §§ 1681 et seq. by ordering removal of 

inaccurate information from Plaintiffs' consumer reports. 

g) Any and all other relief as the Court may deem just and proper. 

Respectfully submitted 

6* 4; 

Paul E Tatseos & Eija KTatseos 

248-804-1222 I 

905 Buckhorn Drive "°

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Lake Orion, MI 48362 TJ O-2 

January 2, 2015 2 .

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 10 of 26 Pg ID 14
Exhibit 1 - PIaintiffs' Letters »

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 11 of 26 Pg ID 15
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·. 2 

Paul E. Taueos . 

905 Buclthorn Drive 

, Lake Orion, Ml 48352 

SSN; REDACTED 

Certified Mall h7012 ,3050 0000 0787 7469 · 

August 23. 2013 

_ Fraud Department 

Transunlort

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P.0. Box 6790 

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Fullerton, CA 92834-6790

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Dear Sir or Madam: 

l am writing to alert you to the theft ol my identity which has resulted in numerous incidents of 

lraudulent activity on my credit report. Please place an Extended Alert (7-year alert) on my credit file. t 

have included a copy ofthe Federal Trade Commissi¤rt‘s Identify Theft Vic!ims’ Complaint and Affidavir 

as well as a copy of the associated police report. 

As prool of identity, l have induced a copy ol my State ol Michigan driver'; license. · 

Should any lunher infomation be required, please contact me only bywritten correspondence. lk is 

inconvenient for me to receive telephone calls at any time or at any number. 

Regards. 

Paul E. TatscosI 

Enclosures: ‘ 

fdenlity Theft VicHms‘ Complaint und Affidavit 

Oakland County, Ml - Sheriffs Police Report 

Copy of Michigan drlvefs license

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4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 12 of 26 Pg ID 16
Paul 8. Eija Tatseos 

905 Buck hom Dr.

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take Orion. Ml 48362 

Paul': Report No: 334061130 Eiia’s nepenrto; 337816415 

Certified Mall #7012 3050 DOOQOTBB 1619 _ 

ueimr 13,1014

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Transunlon consumer solutions 

P.0. Box 10.10 

Chester, PA 1B022·2w0 

Dear Sir or Madam: 

We are writing to dispute all re mainlng negative trade llnes on our oonsumcr reports. and request that 

you remove this negative information from our consumer reports In its entirety. as follows: 

For Paul Tatseos (Report No: 33406113Dl: 

• HSBC account number ‘REDAC']`E]) · 

· Chae account number RED ACTED 

For Elia Tatsens (Report No: :t178164tSl: 

• 52-3 Dlstrlct Caurtiutlgment numbers DBCUSGHGC and 10(l'X!8]146C. 

As doctntentation for this request, I provide the following: - 

1. Settlement agreement front our recent lawsuit against Equifax lnfomtation Services (US District 

Court Eastern District of Michigan, use 4:.t4·cv·12073·MAG·DRG Tatteot et ol v. Equifax 

information Services LLC). This settlement agreement is In the form nf cleansed consumer reports 

from Equifax, and shows the removal of the above mentioned negative information. 

2t the most recent letter related to requests for Method of vermcatlon for tlte public record disputes 

on El]a’s report. As you have not yet responded tn these letters. you are in severe violation of the 

FCRA at this time. and sublect to penalties for FCRA 616 Wlllful Nononrnolianco. _

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 13 of 26 Pg ID 17
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As I hope is clear from my victorious lawsuit against Equifax, I will nut hesitate zo lilo suit against your 

company as wcll, lf nccdcd, to dear this ncgativclnformatiron. I uuly hopo that vourcmme these 

negative entries prom ly to save not only both of us time and money. but the tlrnc of the courts as F". 

well.· 

Regards, 

Paul & EH: Tatseos 

Enclosures 

Copy of Paul Tatsdof consumer report from Equifax Informatlon Services LLC dated 5/12/2014 

Copy of Elia 1atsc¤s' consumer report from Equifax information Scrviccs LLC dated 9/22/2014 

Copy ofthe latest Method of Verification letter for Elja Tatseo: dated 4/24/2014

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4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 14 of 26 Pg ID 18
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Paul 8 EBa Tatxeos 

905 Buckhcm Dr. 

ule Orion, Ml A8352 

Paul'; Report No: 348454QGS Elia': Report Nb: 33781.6415 

cmlrled Mal! rr 1012 susowuucns 1saa — 

November 18, 2014 

Traruunlon Comumtr Solutions 

P.O. Boa 2000 

Chester, PA 15021-IGI! 

Bear sir or Madam: 

We recently disputed thc fdlnwlng entries on our credlt reports, and recuest a FCRA 61 1|a)[6l & (7) Method nl 

verlllutbn; 

For Paul Insect lRe9¤rt N¤:0519§1l3B0): 

e mst account number REDACTED 

• (hue ncourn ¤umberREDACTED 

For (Ea Taueos (Report Ro: 0212078690): 

• .sz·$ utwktcbun yuaprrem numbers DSCDSESSGC and mcuusstasc 

lhaye received your responses, summarized as fullorrra: ~ 

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remain an the consumer report and It appears that no adtfriiorral Information was added. 

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• A descrluuon oi rhr: procedure used to deterrrrine the accuracy and completenessdf the lnfufrnatlon for there 

_ ptihllc records 

• Marne, address and phone number ol anyone contacted during this lnvextlgation and used to determlnerhtaccuracy and uompleteneu or the lntomratlcn lor these publlc records 

Please also prtwlde copies ol any addltloruldccumamatlon that mqht haw been prmtded by the original source. 

H you are unable to provide rhls lnrorrnarion, please delete there public records from our wnstrmer reports. 

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Exhibit 2 — Police Report

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OAKLAND COUNTY SHEHIFF OFFICE 

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130129480 2609 - lden Theft 26003 

Report Date/Time ‘ 

Occurrence Date/Time 

08/23/2013 16:34 08/23/2013 16:34 

Location Call Source 

2525 JOSLYN RD TELEPHONE 

Dispatched Oltense Verified Oliense 

2600 FRAUD 2809 Ide 

` 

Theft 

County Citymo/pNittege 

63 - Oakland 15 - Orton T · 

Division 

__ _·A¢tlbn Requested: _ ._ 

[ ]Arrest warrant [ ]Ftevlew only 

[ ]Search warrant [ ]F¤rfeiture 

[ ]JuvoniIe petition [ ]Other — 

~—_“ 

Page 1 et ATreated On 08:*27/2013 01139

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 17 of 26 Pg ID 21
CR No: 130129480 

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Oftenses: 

_, U

_ 

2609 · Identity Theft [OSBUHLP (01313)] 

IBR coder ISR Group Oflense Fate Class 

26C - Im · = reonetlon / A 26003 _- FRAUD -IMPERSONATION 

Crine Against Location Type Ollensa Completed 

PR 20 - Residence/Home Com · lated 

Domestic Violence HateIBias 

No , 00 - None No Bias 

USM 

A-Alcohol: No C-Com · uter E · ut |ment: No D-Dru| ~ 

arcotlcs: No 

SUSPECT, UNKNOWN (S·SU$PECT) [OSBUHLP (01313)]

4 

Last Name First Name Middle Name

' 

DOB 

...SPECT 

(Age) Race 

............. 

Ethnicity Birth City & Slele Birth Country TT country ot Citizenship , 

. UNKNOWN 

TATSEOS, EIJA KRISTIINA (V-VICTIM) [OSBUHLP (01313)] 

Victin Type Victim ol » 

I · IndMdueI 2609 · Ide · Theft · 

w.Typo; Lest Name Frst Name Middle Nerne 

VC TATSEOS EIJA KRISTIINA 

Driver ucensel DL State DL Country Personal IDI 

DOB (Age) Race Ethnicity Blrth City A Stgte Blrth Country Country et Citlzenshb 

11/14/1967 45 WHITE Unknown , 

· Street Address County Country Home Phone Work Phone 

905 BUCKHORN DR Oaldend USA ‘ 

City State Zb Cell Phone 

... .......... .......... 

Notes 

Vlctlm 

TATSEOS, PAUL EDWARD (V·VICTlM) [OSBUHLP (01313)] 

Victim Type Victim ot 

I 

- Individual 2609 - Iden| Theft 

W.Type: Last Name First Neme Middle Name 

CO TATSEOS PAUL EDWARD 

Driver License! DL State DL Country Personal IDI 

DOB (*9**) Race Ethnicity Birth City 8. Stats Binh Country Country ot Citizenshb 

02/28/1969 44 WHITE Unknown . 

Street Adams: . Apt I County Country Home Phone Work Phone 

905 BUCKHORN DR Oakland USA 

City Zip - Cell Phone 

News 

Victim/oo ·IaInan1. 

BUHL, P (O-OTHER) (LgPOLlCE OFFICER) [OSBUHLP (01313)]

A 

W.Type: Last Name First Name Middle Name MrIMrsrMs 

aunt P °E""" 

Page 2 ot 4

` 

Created On 08/27i2Dt3

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 18 of 26 Pg ID 22
cn N0:130129480 

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· ‘ · 

Aliases Driver License! DL Slate DLCcunlry Personal IDlt 

1313 

DOB (Aga) Race Ethnicity Birth City 8 Stale Birth Country Country ol Citizenship 

UNKNOWN 

Street Address Apt I County Country Home Phone Work Phone 

2525 J · Rd USA 

CIN zip ceirprwne 

mam. |4eeso 

Phone/Email 

¤..¤.t».r... 

BU-Business Phone #1 2483930090 ` 

Notes 

RB| |IH ·• DB| . 

if

9 

5800 - ldentltyilntenglblé (damaged reputations, dlsclbsedcqnfidentlal Information, Etc) 5460

n 

[OSBUHLP

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Property class IBR Type UCR Type 

66 66 - lden| -Intan|ibIe K - Miscellaneous 

Status yam 

S - 

D°$¢*tPli¤¤Disposition 

Stolen/Etc. = ribed/Defrauded/Embezzled/Hensomed/Etc. H1 Evidence Tag 

ldent 

Recovered Dalefiime Location 

y

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Narrative: 

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CR No: 130129480-001 ‘ 

Written By: OSBUHLP (01313): _Date: 08/23/2013 08:38 PM 

SOURCE:

A 

·

` 

Walk in complaint at the sub station.

' 

SUMMARY: 

Identity theft report. 

· INFORMATION: 

On August 23, 2013, in the Township of Orion, County of Oakland, I, Deputy Buhl, to a complaint 

of an identity theft at the Orion Township substation. l met with the victims Paul and Eija 

Tatseos, 

INTERVIEW WITH PAUL TATSEOS: 

Paul is the husband of Eija Tatseos for 19 years. Paul stated that in April of 2013 he discovered 

that his identity had been stolen. Paul stated he discovered that it had actually happened back in 

2008. Paul stated he discovered it had happened by receiving paperwork from the state. 

Paul stated his wife, who he stated is bi-polar, is in charge of the finances. Paul stated his wife 

Page 3 of 4Csealed On 0B!27i20t3 01:39 

PM——-_—

A

4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 19 of 26 Pg ID 23
A O » 

— H · O 

CR No: 130129480 

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knew about credit issues dating back several years, but she never told him about it. Paul stated 

the bipolar disorder his wife has prevented her from telling him about money problems. Paul 

stated his wife could not tell him because it would make her bipolarissues worse. 

INTERVIEW WITH EIJA TATSEOS: 

{ 

Eija is the wife of Paul Tatseos for 19 years. Eija stated she has bipolar and did not advise her r 

i husband of notices she had received for credit related issues dating back several years. Eija

r

` 

stated she was not medicated 7 (seven) years ago and has since been receiving therapy and 

medication for her illness. 

ACTION TAKEN: 

A report was taken for the Tatseos. Their paperwork from the Federal Trade Commission and 

witness statements were attached to this report.

‘ 

STATUS: 

Closed.

`

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F 

Page 4 of A

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J 

Created On ON27/2013‘0.;39 

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. Exhibit 3 — Defendant’s Letters

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You ore invited to parrlcryrote in cr brief survey designed to measure your sorkfnction with Tmnsunion. None 

ofyotrrpersonor information or your credit information will be collected through thisovrtirre survey. 

We value yourfeedbocirj 

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Our investigation of the dlspute you recently submitted is now complete. The results are listed below. It an Item you 

disputed ls nel In the list ci results below. it was either -n0t appearing in your creoit lilo or tt already- rerlected me 

corrected status at the time of investigation. 

ll Dur ifrvesligation has not resolved your dispute. you may add tr l0lJnrmrd sttrtcmcni to your report. if wu provide a ; 

consumer statement that contains medical Infomation related to service providers or rrreolcat procedures, then you I 

expressly consent to Trartsttnlcrn Including this information in every credit report we issue aboutyorr. liyou wish to obtain 

documentation or written verllication concrzrnirrgyour accounts. please contact yourcreditors directly. 

tl there has been a change toyour credit history resulting from our Investigation. or ll you aorta consumer statement. you 

may request that TrunsUnion_ send an updated report to those who received your ropon vrtthln the last two years for 

employment purposes, or within the last stx months lor any other purpose. 

ll Interested. you may also request a descrlptlun ol how the irwestlgatiou was conducted along with the business name, 

address and telephone number ol the source ofialormotiont 

Thank you for helplng ensurethe accuracy at your credit information.

` 

For Frequently asked questions about your credit report. pirtosr: visit http: [ ftransunion.conqconsumerlags. 

Investigation Results 

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4:15-cv-11351-TGB-MKM Doc # 1-1 Filed 04/14/15 Pg 23 of 26 Pg ID 27
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You are lnvlred to prrrtichrate in o brief survey dcsgrned ro measure your satisfaction with `frunstlniorr. None 

of your personal lnfnrntatian or your credirinformotiorr willbe collected llrrough this online survey.

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We value your (ecdbock! 

htgrgtrunsunionrnnll,gerlscogglqcom

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AOur investigation of the dispute you recently submitted is now comolctc. The results Me listed below. ll an item you 

disputed is not in the list ol results below. lt was either not appearing in your credit tile or it already rellected the 

corrected status at the time of investigation. 

tl our investigation has not resolved your dispute, you may add a t00·word statement to your moon. tf you provide a 

consumer statement that contains medical irrlorrnation related to service providers or medical procedures, then you 

expressly consent to Transunion Including this information tn every credit report we issue about you. llyotr wish to obtain 

documcrrttttiort or writterr verification concemingyour accounts, please contact yourcreditors directly. 

tl there has been a change to your credit historyresulting from our investigation; orlf you add a- consumer statement,.you 

may request that Tr2rrrsUnlon cena on updated report to those who received your report within the last two years for

‘ 

ernplroymcnt purposes, or within thc last slr; mont hs for an y other purpose. 

ll interested. wu muy also request 0 tlcsrcrlption of how the Investigation was conducted along with the business name. 

address and telephone number ofthe source of infomation. 

Thank you for helping ensure tht: accuracy ol your credit lflf¤¥!'l\3ll¤ll— 

For frequently asked questions about your credit repon. please visit Lrgpjlttansuniomcomlconsumerfags. 

lnvesttgatlon Results 

ITEM ¤£SCItll*Tt0lt RESLILISA 

crvrt ruodmcrlt DOCKET! BCOSQSJGC ouertb 

PAID CIVIL IUDGMEIIT DOCKET! IOCUBB MGC VERIFIED. KD CHANGE 

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plain 

OAKILAND CHTY S2 DISTRICT Docket U; 1 UCDZBMGC 4 115 BABCLAT (1. ROCHESTER mu. .w csiro:. mn} MBBS;] 

pw cmnindi uumzur 1 vm; Pun cmuunmum hmm: $1;.946 

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· End oi invutlgulnn results · 

To view a free copy ufyour full. updated credit file, go to our website 

-Er1d of Credit Repcrb 

P enum: oesvs-msmr ww

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905 BUCKHORN D? 

MRE ORl0N. Ml 4B362»2B27 

lt-rank you tor contacting Iransunion. Our goal is to maintain complete and accurate inlormation on consumer credit reports. we have provided the information below in response to your request. 

R0! investigation Procedure 

Trunsurrion reviews and considers all relevant information you provide. and weeirher will malte changes to your report 

E-rlscrl on the lntozmation you provide. or we will Investigate yourdisuulc by contacting the source of the infomation. Each 

source we contact is provided ull relevant inlonnatlon regarding your dispute. including your letter and all documents 

tzrcwided by you at the time of the dispute, and i s requested to verify tire accuracy and/or completeness ul the lntormatipn 

wponcd. for puplic record infomation, ttansunion or a ll\ll!l·:N\ rly wc- hire will checlrthe applicable local. state and terlertrl 

·:¤url rfcrittlrlti 10 verily the accuracy tt ndlor completeness ofthe information reported. 

Once thc vctilication responses are received, they are reviewed and the disputed infomation is updated accordingly. 

Cnnngrrs matte tn your credit rcpon am collected on the investigation results that are sent to you ot the conclusion or our 

inyesrigallon. tf you have any questions regatdinglthe results or the investigation, please contract the crgq!i1or(s)dKrcctly. 

llyrtu trove additional trttestions or cdncems, please contact Transtrnlon at 800-9t6·8800. at the addcussshown below, or _ 

vrsit us on the web at wnw.lr¤ nsunon.corn lor gonoral into mation. When contacting our oflice. please prowde your current 

mi! ¤umb€t34BQS406$.. ..--. -- _____ . . _ _ __ __ _ _ ___ _, _ ____ 

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