Experian won't dispute inq!!

Discussion in 'Credit Talk' started by charlieslex, Apr 25, 2002.

  1. charlieslex

    charlieslex Well-Known Member

    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
     
  2. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    § 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.
     
  3. whyspers

    whyspers Well-Known Member

    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>
     
  4. King

    King Well-Known Member

    Lizardking,

    Which CRA did you threaten with the small claims lawsuit?. My hard inquiries are all EQ and TU.
     
  5. javan

    javan Well-Known Member

    Did you threaten verbally?
     
  6. charlieslex

    charlieslex Well-Known Member

    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
     
  7. Marie

    Marie Well-Known Member

    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 :)
     
  8. solzy

    solzy Well-Known Member

    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.
     
  9. Ender

    Ender Well-Known Member

    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..
     
  10. PsychDoc

    PsychDoc Well-Known Member

    Having problems disputing inquiries with CreditExpert? Try...

    Doc's Trickâ?¢

    Coming soon to a Creditnet message board near you!

    Doc
     
  11. javan

    javan Well-Known Member

    $79.95 per year + first 30days FREE!!!
     

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