On 19 February 2007 I contacted TransUnion, one of the three major Credit Reporting Agency (CRA). I contacted them because my user ID and password they had prescribed was not working. I asked a simple question to the lady which answered the phone. Due to her difficulty understanding what I was saying to her on the phone and my difficulty understanding her; it mad me curious as to whether she was located in the U.S. or overseas. I asked here exactly that; her response was "For security reasons I am not able to provide you with that information". This automatically tells me that she is in fact located in a foreign country and has access to my most sensitive information. Fraud is ramped in todayâ??s world and one of the three primary agenciesâ?? who has access to my most personal information is outsourcing their customer service overseas. What is most surprising is I had submitted my concerns to governmental organizations and they provided no response as of yet. A concerned citizen