Tom S Posted October 9, 2004 Report Share Posted October 9, 2004 On my 8/23/04 myfico reports I found a number of inquires that the CB indicates I requested but in fact did not.I have the template letter from this site to send to the unauthorized companies, but most of the names on the credit reports are cryptic. For example, FAC… what the heck is that and how do I go about getting an address to send a letter certified mail. Do we have a standard template letter to send the CB’s requesting the mailing address of the unauthorized companies?Thanks, Link to comment Share on other sites More sharing options...
DocDon Posted October 9, 2004 Report Share Posted October 9, 2004 First Acceptance Corporation maybe?Does that sound familiar? Link to comment Share on other sites More sharing options...
Tom S Posted October 9, 2004 Author Report Share Posted October 9, 2004 Doc thanks for your reply,The name sounds familiar but I never applied for credit from them… Is there a template letter to use for sending requests to the credit bureau to provide the identity and mailing address of the alleged vendor to dispute the inquiry?How does sound?Re: Unauthorized Credit InquiryDear Customer Service, I recently received a copy of my TransUnion credit report. The credit report showed a credit inquiry by FAC Company that I do not recall authorizing. I am requesting the complete business listing, name and mailing address for FAC Company so I may dispute this inquiry. Please be so kind as to forward me the requested information that you have on file for FAC Company so I may have the unauthorized inquiry removed.I have sent this letter certified mail because I need your prompt response to this issue.Thanking you in advance,Signature…My name & address…I will include a copy of my drivers license, my SSN and current mailing address with this request.Any suggestions or recommend changes? Link to comment Share on other sites More sharing options...
DocDon Posted October 9, 2004 Report Share Posted October 9, 2004 Are you sure it's a hard inquiry and not a "soft" limited-info marketing entry (ie: "these are only viewed by you") ?I wouldn't send them your driver's license and copy of SSN card. Writing your SSN and DOB in the letter should suffice. Link to comment Share on other sites More sharing options...
Roadie Posted October 10, 2004 Report Share Posted October 10, 2004 Curious....Why do you want them moved without linking them to your potential $1,000 statuatory violation claim?I know the objective is to get them removed but from my expereince so far, they are more likely to get removed to avoid paying the $1,000 statuatory award which the FCRA supports ya with.Whether you actually go to court to collect it or not is besides the point, and none of us will never know anyway what you ultimately decide (ie., to "chicken out" of going to court and laying claim to this violation worth a grand) if that is your preferred position.A word of advise though... when you receive a letter informing you the inquiry will be removed, most times, theyll tell you to wait 30-60 days for that to take effect... no harm there... but at the end of 30-60 days (whichever is specififed) be sure to follow up with another fresh credit report to see if thats taken place (inquiry removal). If not, its a sweet $1,000 immediate deal if you take that to court to enforce breach of this written agreement Roadie. Link to comment Share on other sites More sharing options...
DocDon Posted October 11, 2004 Report Share Posted October 11, 2004 Non-PP is not only $1,000 statuatory violation claim, it is a criminal act, punishable by imprisonment. Link to comment Share on other sites More sharing options...
Roadie Posted October 11, 2004 Report Share Posted October 11, 2004 Non-PP is not only $1,000 statuatory violation claim, it is a criminal act, punishable by imprisonment.Yep, your right about that.Still, promising deletion of inquiries when sending you a letter and after a specific amount of time passage, if the inquiries still exist without being deleted (CRA's are bad about not wanting to delete) then the letter itself constitutes a breach of agreement, contractually speaking with the OC.And one can go after both, the OC and the CRA, for failure to carry out responsibilities designated under the FCRA as well as confirming inquiries were of NPP nature.Roadie. Link to comment Share on other sites More sharing options...
kbean Posted October 11, 2004 Report Share Posted October 11, 2004 or if your a busy person and don't have time for that crap, you could just call the respective credit bureau, ask to speak to their fraud department, anf freak out: I explained my whole process in a thread similar to this entitled "EQ inqs a matter of fact" or record or something like that.good luck.i tried that writing to the companies crap, i found out that my fiance had a mortgage company that his friend worked for pull my report one day (we both had some common inqs on our reports, so i asked) all i got from them and the other companies on my report were b.s. letters about sending a copy of my lic. and credit report... and some nothing at all. good luck. Link to comment Share on other sites More sharing options...
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