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TU wont remove inquiries


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I wrote a dispute letter to TU and they wrote back and said that they wont dispute them. They said I had to write to each creditor. So I called the FCC and they told me it was a funny situation and the inquiries dont fall under the FCRA. So can anyone help or have any ideas? Thanks....

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Actually, I beleive hey have to, I have the same problems, Unfortunately I haven;t sent my "greens cards" yet. Here is the way I see it. The FCRA states they must report correct information on you credit report, hmmmmm, and you can dispute any information on the report with them.... Keep the letter, $1,000 each inquiry, because each inquiry is a violation, sue them, sue them, sue them

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Right there on my Trans Union report, it says the #2 reason my score isn't higher (currently 639) is "too many inquiries." Number of inquiries affect credit scores and approval decisions, and they're required to show only accurate information, so I don't see what legal basis they have to refuse investigation. I sent a letter a week ago to dispute 7 inquiries showing up on my report that I darned sure didn't authorize. I have them on a couple other violations as well, and if they send me the "inquiries are just a statement of fact" letter back (as I expect), I'm going to sue!

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Thats a good idea to try just a few at a time. The only problem I have is I dispute 7 or 8 collection accounts and they didnt have a problem with deleting those(which is a good thing). And if you think about it the law is the law, but sometimes we have to work with the law I guess. Do you think I should send a letter of intent to sue or just call them. Or just send a new dispute letter with just a couple few inquiries. Thanks...

[Edit by buckeyesfanj4 on Wednesday, October 9, 2002 @ 04:32 AM]

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Wyndo,

I had something recently that sounds like what you posted. I'm wondering if I can sue as well.

Back in August, I got a report from a third party. Since then, that third party has soft hit my credit three times without my permission. What makes me angry is they have no right to soft hit since I don't owe them anything, and I haven't asked them to.

I sent them an email and in the mail a request to stop or to prove I authorized such a transaction.

Depending on what they say, could I sue them for this? What say the gallery..... :ooh:

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