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Found 2 results

  1. Hi, About two months ago, I noticed a few inquiries on my credit report that I did not recall authorizing, so I disputed each one with the companies listed on my credit report, CMRRR. Over 30 days has passed since each company has received my dispute letter; of the six or so companies that have received the letters, only two have responded. I thought that they were required to respond within 30 days after receipt of the letter or they could be sued. An attorney I spoke with stated that I had to dispute through the credit bureus first, but that doesn't do anything because they just check eOscar or whatever and confirm it without proving that anything actually transpired. I wanted actual proof that I authorized these inquiries aside from the companies simply stating "Oh, you did." Do I have any right to sue at this point? What should my next step be? Thank you
  2. Recently ran my credit report and saw a hard inquiry from American Eagle. I shop there but don't apply for any credit cards so I sent a dispute letter to see what they would say. They responded saying that in 04/29/2014 there was a paperless method submitted for a AEO, Inc Visa Card and unable to modify what has been reported. They additonally cannot provide me with a copy of the application based upon the paperless method used for submission. Is there anything I can do about this?