rm2738 Posted February 16, 2007 Report Share Posted February 16, 2007 In the process of "Verifying" inquiries, one company had called and left a msg for me to call them back. They said that due to the fact that it was submitted online electronically, they do not have anything that proves that I submitted. But they said that I may dispute it, but that would involve the fraud department and the authorities. Should I leave this one alone? or should I proced and dispute it? Thanks Link to comment Share on other sites More sharing options...
lookinup Posted February 16, 2007 Report Share Posted February 16, 2007 This is a collection agency leaving this message?You submitted something online with this CA or with the credit reporting agency or...?The last part sounds like an attempt to scare or threaten you into not proceeding. Link to comment Share on other sites More sharing options...
rm2738 Posted February 19, 2007 Author Report Share Posted February 19, 2007 This is a collection agency leaving this message?You submitted something online with this CA or with the credit reporting agency or...?The last part sounds like an attempt to scare or threaten you into not proceeding.No, it's the company that had a hard inquiry on my credit. She had said that if I dispute the inquiry, then they will have to notify the authorities and track the IP address that the inquiry was submitted from. Link to comment Share on other sites More sharing options...
J_Snow Posted February 19, 2007 Report Share Posted February 19, 2007 I'm missing something here too.. What is the issue?Do you know who this company is that called? Did you apply for credit which would have generated the inquiry?I'm lost... Link to comment Share on other sites More sharing options...
J_Snow Posted February 19, 2007 Report Share Posted February 19, 2007 Notify the authorities about what? That you are disputing something on your report? That's crazy! Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted February 19, 2007 Report Share Posted February 19, 2007 No, it's the company that had a hard inquiry on my credit. She had said that if I dispute the inquiry, then they will have to notify the authorities and track the IP address that the inquiry was submitted from.Ridiculous. If that's their "method" to report you, then why not just call to dispute [instead of doing it online]? I'm not understanding something though. Who was "verifying" the inquiries? So, you had already disputed this company's inquiry? Link to comment Share on other sites More sharing options...
rm2738 Posted February 19, 2007 Author Report Share Posted February 19, 2007 Ridiculous. If that's their "method" to report you, then why not just call to dispute [instead of doing it online]? I'm not understanding something though. Who was "verifying" the inquiries? So, you had already disputed this company's inquiry?Sorry again for not being more clear.... Still learning here.I submitted a request to Patelco Credit Union, who had an inquiry on my credit from March 2006. A lady had called me from Patelco stating to me that the original inquiry had been submitted via internet and they do not have anything that she would be able to send me except the fact that all my personal information that had been entered. She did state that If I followed through with the dispute, that she would have to involve their faud department and the authorities and have them trace the IP address from which the application was submitted from. Now, let's say that I did submit the application online from my home PC, I have high speed internet from my cable company. My IP address is constantly changing, could they track it to me? Should I follow through with the dispute? I know it's only one inquiry, but every one counts. Link to comment Share on other sites More sharing options...
newbie7069 Posted February 19, 2007 Report Share Posted February 19, 2007 The inquiry is nearly 12 months old. If they do have all the information, and if they do plan on having your dispute go through the fraud dept if you insist on persuing this............I'd say leave it alone it's not hurting your score that much. Move on to others. Link to comment Share on other sites More sharing options...
LNY Posted February 19, 2007 Report Share Posted February 19, 2007 I think the confusion here is that the OP is (mis)using the word "inquiry" in some places where he/she means to say "application," such as "A lady had called me from Patelco stating to me that the original inquiry had been submitted via internet" and "they will have to notify the authorities and track the IP address that the inquiry was submitted from." Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted February 19, 2007 Report Share Posted February 19, 2007 I think the confusion here is that the OP is (mis)using the word "inquiry" in some places where he/she means to say "application," such as "A lady had called me from Patelco stating to me that the original inquiry had been submitted via internet" and "they will have to notify the authorities and track the IP address that the inquiry was submitted from."Ah ha!!! Wheww...and I thought it was because I didn't have my coffee this morning. To the OP, I'm w/ Newbie on this one. It's almost a year old; let it be. Inquiries a year old (or older) don't ding your FICO score. If you are sure that you didn't apply for credit w/ this CU and you're very concerned about ID theft, then yes...follow thru w/ it. But if you were just disputing an inquiry b/c you're trying to improve your credit, then leave it alone. A few points for an inquiry is really not work the trouble. Link to comment Share on other sites More sharing options...
Recommended Posts