LearningCredit Posted November 29, 2004 Report Share Posted November 29, 2004 I sent a few letters to TransUnion requesting to delete a few inquiries since they wouldn't delete them over the telephone. I received two letters today (1 dated November 23 and 1 dated November 16). They stated this:Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. We have provided the information below in response to your request.Re: Explanation of Different Items on Your Credit ReportThe inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information will be provided only for the following permissible purposes: credit transactions, employment consideration, review or collection of an account, insurance underwriting, government licensing, rental dwelling, or a response to a court order. Your written authorization may not be required to constitute permissible purpose. You may refer to the federal Fair Credit Reporting Act for more information regarding permissible purpose.If you believe that an inquiry on your credit report was made without a permissible purpose, then you may wish to contact the creditor directly.The consumer disclosure (consum discl) inquiry refers to TransUnion accessing your credit report. These inquiries are seen only by you and TransUnion.Re: Verification Documents not AvailableWe store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly.HOW DO YOU GET RID OF TRANSUNION INQUIRIES? Link to comment Share on other sites More sharing options...
edubb007 Posted November 30, 2004 Report Share Posted November 30, 2004 Totally generic letter! Call again or write again. If that fails than write the creditor. These things are stubborn! Good Luck! Link to comment Share on other sites More sharing options...
Cleugers Posted November 30, 2004 Report Share Posted November 30, 2004 I was hoping TU was as easy as EQ I was able to get them to delete over the phone I havn't tried TU yet but I can see from this post its not going to be easy. Link to comment Share on other sites More sharing options...
edubb007 Posted November 30, 2004 Report Share Posted November 30, 2004 EQ is really easy and EX is easier than TU if you use fraud alert but TU gets sticky! I had a bunch removed when I disputed them online once. It was a rare occurrance! Link to comment Share on other sites More sharing options...
gprncss Posted November 30, 2004 Report Share Posted November 30, 2004 Ya Good Luck. I can't get Tu to delete mine I'm hoping someone is in a hurry this CHOD season and just deletes them, Keeping fingers crossed Link to comment Share on other sites More sharing options...
miracle Posted November 30, 2004 Report Share Posted November 30, 2004 They must investigate EVERYTHING you dispute. Try disputing again. Especially amidst CHOD.. You may just get lucky. You may also want to send a letter to the company inquiring how they got permissible purpose. They don't always keep great records either and it may get deleted. Give it a try. Link to comment Share on other sites More sharing options...
creditcardcory Posted December 2, 2004 Report Share Posted December 2, 2004 TU have deleted 5 credit card inquiries however they did not delete 24 mortgage inquiries. I had one bank run my credit 11 times and another ran in 6 times for one mortgage application. The investigation response states: "permissible purpose = credit transaction" . I am sending my follow up letter to TU demanding that these be investigated. I do have one question: Does TU ever verify these inquiries with the companies or is this response Bunk?Cory Link to comment Share on other sites More sharing options...
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