I sent 2 requests to TERI inquiring why there was an inquiry on my report with no response as well as a letter to Experian with no effect. Any Ideas on how to proceed?
If they own the account they can do a hard pull,if not they will do a soft pull so only you see it But they have to have permissable purpose
If you haven't yet i"d dispute it with the cra as not mine,never had an account with them.and go from there
If the creditor does not verify it to them, they must remove. If they say they verified it, send a procedures request and ask who specifically it was verified with. Then go from there.
Experian simply states they are a statement of fact. They don't re-investigate them which is a FCRA violation per each inquiry they don't re-investigate. Nonetheless, they don't. As it pertains to sending it to the inquiror, they legally have to respond under the FACTA amendments to the FCRA. However, there is no private cause of action thereunder thus, they can and do ignore some things.
