Been_Ponzied Posted July 20, 2005 Report Share Posted July 20, 2005 Remember my last post where I told you guys that the phone call with them was really weird about inquiries? Where they expect me to get inquiries removed by the OC? Well, then I sent Experian the request in writing CMRRR and they still will not change ANYTHING!!!I told them that those were put there without my permission. They even left fraudulent ones on. They didn't believe me at all. What can I try to do next? They didn't send me any "frivolous" letter, they just said that each of the companies had the permissable right to get my credit file. And so now it's up to me that prove that I didn't give permission? The OC's absolutely won't cooperate with this! Even if I could ever even find the flakey companies involved! Link to comment Share on other sites More sharing options...
wings1223 Posted July 20, 2005 Report Share Posted July 20, 2005 I got them to remove over twenty inquiries by asking for the fraud dept. Tell them that each and every inquiry was someone using your information to apply for credit fraudulently, they will open an investigation on eachon and they will be gone within 30 days. But... they will put a 30 fraud alert on all three bureaus. Link to comment Share on other sites More sharing options...
IHateCAs Posted July 20, 2005 Report Share Posted July 20, 2005 I got them to remove over twenty inquiries by asking for the fraud dept. Tell them that each and every inquiry was someone using your information to apply for credit fraudulently, they will open an investigation on eachon and they will be gone within 30 days. But... they will put a 30 fraud alert on all three bureaus.Just don't do this if there was no fraud involved. Link to comment Share on other sites More sharing options...
wings1223 Posted July 20, 2005 Report Share Posted July 20, 2005 I did, and it worked. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 20, 2005 Report Share Posted July 20, 2005 Or, you could just sue the CRA's for willful non-compliance with the FCRA. The law says they must investigate ALL information contained in your credit report. This means employment, addresses, phone numbers, accounts, and yes inquiries. They are just unilaterally saying "screw that, we don't do inq's" and they will as long as you let them. Link to comment Share on other sites More sharing options...
wings1223 Posted July 20, 2005 Report Share Posted July 20, 2005 yeah that way will actually get you money! Link to comment Share on other sites More sharing options...
Methuss Posted July 20, 2005 Report Share Posted July 20, 2005 Sorry but I posted this before. According to the FTC, inquiries can't be deleted. If a report was provided, the CRA is required to keep that data in order to comply with other parts of the FCRA. Link to the opinoin letter is here:Read #5http://www.ftc.gov/os/statutes/fcra/cohan2.htmThe CRA has the option to supress the inquiry from being viewed, but we all know those "soft deletes" still show up on subscriber reports. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 20, 2005 Report Share Posted July 20, 2005 Well, true, an actual deletion is not permissable, but recoding as an account review or something that doesn't hurt my score would be my priority. Link to comment Share on other sites More sharing options...
Methuss Posted July 20, 2005 Report Share Posted July 20, 2005 Nope they can't recode it either. If they recode a hard inquiry as account review, that would violate the FCRA for false reporting...even though it is in your favor, it is still not legal. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 20, 2005 Report Share Posted July 20, 2005 Well, what about the whole bit about getting a letter from the OC? Should I just to the Texas two step on the OC's face? There has to be some way to get false inq's removed. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 20, 2005 Author Report Share Posted July 20, 2005 I have tried before to get the OCs to delete inquiries. This time, I would have to write letters to 18 places (many are duplicates and triplicates; many don't have contact addresses), and demand that they give proof that I applied for credit. Apparently many places can pull your file without an application for credit or without permission. I think that Experian has found a legal loophole and they are just not going to touch any inquiries. Link to comment Share on other sites More sharing options...
wings1223 Posted July 20, 2005 Report Share Posted July 20, 2005 I called Experian, reported fraud, inquiries were deleted, and scored went up.Does it realy matter how they did it or what they coded, or if it was "legal". They are not there any more and my score jumped 60 pts. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 20, 2005 Author Report Share Posted July 20, 2005 Well, I tried the phone route with Experian first. They do NOT want to touch inquiries with a 10-foot pole. The 18 I listed to them were mostly ones that I had definitely not given permission. I had a valid reason for each one, and they still wrote me a letter and denied investigation.I've had it, so I FILED MY COMPLAINT WITH THE FTC AND ATTORNEY GENERAL TODAY on this one.It'll probably blacklist me with Experian but I don't care. I feel that they are singling me out for some reason, possibly because I called by phone the first time that they told me no, then followed up with a CMRRR request. Link to comment Share on other sites More sharing options...
IHateCAs Posted July 20, 2005 Report Share Posted July 20, 2005 I called Experian, reported fraud, inquiries were deleted, and scored went up.Does it realy matter how they did it or what they coded, or if it was "legal". They are not there any more and my score jumped 60 pts.I suggest no one take his/her advice.Do not do anything illegal, leave that for the CAs and CRAs. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 21, 2005 Author Report Share Posted July 21, 2005 Please, everyone do your part. We won't take this laying down. Go to ftc.gov and fill in their online complaint form that Experian will not investigate any inquiries. Maybe if enough people do this..... Link to comment Share on other sites More sharing options...
wings1223 Posted July 21, 2005 Report Share Posted July 21, 2005 I don't mean to make anybody mad but it is not illegal, and it is the same advice that I found elsewhere on these boards. I'm just saying that if you need something that works, which is what he asked for, that works. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 21, 2005 Author Report Share Posted July 21, 2005 I don't mean to make anybody mad but it is not illegal, and it is the same advice that I found elsewhere on these boards. I'm just saying that if you need something that works, which is what he asked for, that works.It just sounded like you were advising to report these inquiries as fraud. I do not know if theyare fraud and even if I thought that 1 out of the 19 inquiries were fraudulent, I would not want to put into action the major complications that a fraud report does to my credit file. None of the inquiries were for loans that I applied for. Most of them were from places I've never heard of, and some probably came from one legitimate mortgage shopping inquiry. Somehow one mortgage inquiry ends up reproducing into many. My complaint is that Experian is refusing to INVESTIGATE any of them. So, I made complaints to the FTC and to my Attorney General.No one is trying to run you off the forum. Just be careful of what you say when you are advising to claim fraud about anything, ok? By the way, did you actually claim fraud and that got inquiries deleted? If so, what else did the fraud process do? Did it end up with law enforcement? Link to comment Share on other sites More sharing options...
IHateCAs Posted July 22, 2005 Report Share Posted July 22, 2005 I don't mean to make anybody mad but it is not illegal, and it is the same advice that I found elsewhere on these boards. I'm just saying that if you need something that works, which is what he asked for, that works.Claiming fraud where this is none IS illegal. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 22, 2005 Report Share Posted July 22, 2005 Yeah, I'd be kinda leery about that, personally. No need to go to those extremes. Sue the CRA's for refusing to do an investigation, and contact your creditors and ask that they remove the inq. Link to comment Share on other sites More sharing options...
wings1223 Posted July 22, 2005 Report Share Posted July 22, 2005 No, no law enforcement was involved. When you tell them that you believe that someone has used your information to apply for credit, or that an unathorized company has duplicated information from an affiliate, ie, numerous mortgage inquries. They will open an investigation. They send a notice to the company that pulled your credit that states the consumer says you did have their permission and this inquiry may be found to be fraudulent. That company will either then delete it because they don't have a leg to stand on, they come back with there permissble pupose and proof. I have to have a single company provide permissible purpose to Experian other than on that actually granted the thief credit. Since they claimed to have an account with me, (fraud) experian left it, and told me I would have to file a police report on the account before the inquiry would be removed. That is how the Experian supervisor in the fraud dept explained it to me when I ask why that one inquiry, out of all the ones I brought to their attention. remained. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 22, 2005 Author Report Share Posted July 22, 2005 No, no law enforcement was involved. When you tell them that you believe that someone has used your information to apply for credit, or that an unathorized company has duplicated information from an affiliate, ie, numerous mortgage inquries. They will open an investigation. How many times do I have to say this? They refused to open an investigation. On any inquiries. The first time by phone, the second time by certified mail. Link to comment Share on other sites More sharing options...
wings1223 Posted July 23, 2005 Report Share Posted July 23, 2005 What department did you talk to? What did you say? Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 23, 2005 Author Report Share Posted July 23, 2005 I spoke to a woman who answered the phone at Experian, and she even consulted with a supervisor on the subject; then told me in no uncertain terms that inquiries have to be investigated by me, with the OC. When I followed up with a formal, detailed dispute via CMRRR, I received this note back, along with my credit file with ALL the inquiries still on it:"By federal law, your personal credit report must list all organizations that have requested your credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for at least two years.By federal law, your personal credit report must list all who have requested your information. According to the Fair Credit Reporting Act, businessws with a permissible purpose may review your information. Some examples are: your current creditors to monitor your accounts; other creditors who want to offer you preapproved credit; an employer who wishes to extend an offer of employment; and a potential risk assessing the risk of a current credit obligation. We report these requests as a record of activities ony to you, and we do not include them on credit reports to others. They remain on the personal credit report for at least two years.blah blah blah...I'm going to call them Monday and ask them if they realize they have refused to investigate ANY inquiries. Link to comment Share on other sites More sharing options...
wings1223 Posted July 25, 2005 Report Share Posted July 25, 2005 The best advise I have found on these boards is to keep trying, it seems to depend alot on who get on the phone, I just kept calling back till I got someone who cared, and don't listen to any of the BS they give you because worse comes to worse you will have them on multiple willfull nocompliance violations. Goodluck. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted July 26, 2005 Author Report Share Posted July 26, 2005 I spoke to all three Bureaus today and now they are all saying the same thing: that the FDCPA allows them to refuse to investigate, dispute, or verify inquiries. I told them I read the law and there's nothing in it about that. This is wide open to being interpreted by the courts. This is going to get to be one, big problem soon. Get your complaints in to the FTC online as soon as you can. Link to comment Share on other sites More sharing options...
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