Just called EX and tried to get them to dispute an inquiry. They said that i would have to contact the creditor. BS I guess I'll have to send the delete or send me $1000 letter. I knew that they quit on CE, but thought going directly through EX they would investigate. They went from great to the worst. At least TU and EQ will dispute the inquiries. Charlie
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. It's not accurate reporting if you did not give permission for the inquiry to take place. That would be my argument, no permissable purpose, if you did not apply for anything.
This is where permissable purpose comes in. If they refuse to investigate when you are saying the business did not have a permissible purpose, they are really setting themselves up for a lawsuit. Now it seems to me, based on my limited experience of asking Value City for a reconsideration on their credit card, that companies do not keep applications on file more than 30-60 days. That being so, it seems to me that permissable purpose would be hard to prove after that time frame, unless, of course, you ended up with an account with them. Does this sound right, LizardKing? L <now I have this Hendrix song running through my head...lol>
Lizardking, Which CRA did you threaten with the small claims lawsuit?. My hard inquiries are all EQ and TU.
The thing is that they did a COMPLETE about face. They used to be the easiest to dispute. I have out of hundreds had ONE come back verified and redisputed and it came off. TU and EQ have become a lot easier to dispute. All 3 are crazy. Charlie
I have a file confusion statement on my file. when I dispute inquiries they assume they're a confusion issue and it gets taken care of quickly (they normally are confusion issues) As to not disputing: read the fcra. Read definitions: file- it's everything regardless of how stored or communicated. Copy the definition for them, clearly they haven't read the fcra also, under disputes: you are allowed to put a consumer statement NEXT TO any item that, after a reinvestigation where the item remains, you still think is in error... now, not that any scoring system reads statements... but still. Ask to have a consumer statement placed next to every inquiry you have in error. their system can't. fcra violation by the way, send an inquiry dispute in the mail. in the same letter ask for procedural descriptions for every item investigated when the investigation is completed. they won't. so, if the inquiries really aren't yours, that's 3 fcra violations per inquiry. violates willful and negligent noncompliance... that will get you atty fees if you file too... you get the idea. once you learn your rights this becomes almost fun
If every creditnetter just sent in letter disputing based on "no permissible purpose" + a procedure description + a request to place a statement "disputed by consumer".....and then *immediately* filed a lawsuit when EXP sent back a refusal letter, this tune would probably change quickly.
I sent them a dispute ltter disputing 5 inquiries.. and also quoted the FCRA where it states that if it's not a permissible purpose and that I'm not the customer of the person that did disputes.. they deleted all five. My CE score skyrocketed..
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