Hawg, I believe all of their inq. show up as joint. they do on mine and hubby's report, but we never applied jointly
October 21, 2002 Hawg Hanner xxxx Elm Street New York, NY xxxxx Thank you for contacting Trans Union. Our goal is to maintain complete and accurate information on your credit report. We have provided the information below in response to your request. Re: Explanation of Different Items on Your Credit Report The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information will be provided only for the following permissible purposes: credit transactions, employment consideration, review or collection of an account, insurance underwriting, government licensing, rental dwelling, or a response to a court order. Your writtent authorization may not be required to constitute a permissible purpose. You may refer to the Fair Credit Reporting Act for more information regarding permissible purpose. If you blieve that an inquiry on your credit report was made without a persmissible purpose, then you may wish to contact the creditor directly. The consumer disclosure (consum discl) inquiry refers to Trans Union accessing your credit report. These are seen only by you and Trans Union. If you ahve any additional questions or concerns, please contact Trans Union at the address shown above, or visit us on the web at www.transunion.com for general information. When contacting our office, please provide your current file number xxxxxxxxx. P.O. Box 2000 Chester, PA 19022-2000 <end of letter> Hawg Hanner
That's a sufficiently vague, evasive letter. Nowhere do they state that they've completed their reinvestigation (FCRA says that the notice must include "a statement that the reinvestigation is completed"), or what conclusion they've come to. (see http://creditaccuracy.com/0002.htm for more of their nonsense) So, if it's in the "legal department" (how goofy), they're probably still dorking around with it. Regardless, they have 30 days-- whether or not they send you a non-sequiter letter like that. Sue when their time is up.
this is interesting, I too have a hard inquiry only on my TU report from First Premier Bank..I do not even know who they are. I havent worried about it though because there are about 15 other hards on my TU report as well.
Greg, Shouldn't I first write them another letter (stating my objection) and give them 15 days to respond? Hawg Hanner
And how is it that I'm supposed to contact the creditor if I don't have their contact information? Is TU supposed to provide this? Hawg Hanner
My girl friend was also transfered to the legal department while in a dispute. They called her and everything but in there defence when in that department you can actually get stuff done and corrected by them because you have there full attention.
If you wish, but 30 days is 30 days, not 45. Only if you ask for it. "... a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available... " http://www4.law.cornell.edu/uscode/15/1681i.html
I would just write First Premier, let them know about their boo-boo and then demand your thousand dollars and deletion. Why is this thread going so astray? If you need us to lead you into the right direction regarding them owing you cash and deletion, let us know Hawg.
You guys forgot one good reason for being moved into that department. Anyone they consider to be a pain in the butt is moved there. They can also take up to a full week to call you back. Also, they hate inquiry disputes and Don Richman is really against them. The mere mention of disputing an inquiry would probably get his blood boiling and you placed in the 'pain in the butt' section.
