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Are EX mocking us now???

Discussion in 'Credit Talk' started by Neil, Dec 16, 2003.

  1. Dec 16, 2003 #1
    Neil

    Neil Well-Known Member

    Contents on a letter received from these pinheads today in response to my request to remove a hard inquiry:
    --------------------------------------
    By federal law, your credit report must list all that have requested your credit history. According to the Fair Credit Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal report for 2 years.

    If you question the results of our investigation, you may want to contact the credit furnisher directly. Please refer to your personal credit report for the business name and address of the source that verified the information.
    ------------------------------------
    After getting no joy with EX I wrote to the "credit furnisher" at the address provided - the letter was returned undelivered.......

    Any suggestions?

    Neil
     
  3. Dec 16, 2003 #2
    NervousNuB

    NervousNuB Well-Known Member

    I have heard before of someone sending a letter to the address provided, only to have it returned. They sent the unopened, undeliverable letter to the CRA and the tradeline was immediately removed. Hope that helps! NuB
     
  4. Dec 16, 2003 #3
    Neil

    Neil Well-Known Member

    That would be too reasonable....the reply I copied above was in response to sending EX a copy of the unopened envelope!
     
  5. Dec 16, 2003 #4
    Flyingifr

    Flyingifr Well-Known Member

    Nothing gets their attention faster than a summons. Since you canm proove that the Furnisher doesn't exist, how could it have pulled your credit file?
     
  6. Dec 16, 2003 #5
    NervousNuB

    NervousNuB Well-Known Member

    Re: Re: Are EX mocking us now???

    Yikes! Sorry, I didn't realize that! Let us know how you do get it resolved! :) NuB (too reasonable... you're right.)
     
  7. Dec 17, 2003 #6
    jam237

    jam237 Well-Known Member

    Re: Re: Are EX mocking us now???

    Make sure you don't send the original envelope, because that is your evidence if you DO need to sue EX to delete.
     
  8. Dec 17, 2003 #7
    ontrack

    ontrack Well-Known Member

    Re: Re: Are EX mocking us now???

    Their first statement is not legally accurate. Federal law requires that CRAs disclose to CONSUMERS all inquiries for 2 years. It does NOT require that inquiries be put on credit reports disclosed to others, even though this is common practice, and it specifically prohibits certain inquiries (promotional) from being disclosed to others. If you can find otherwise in the FCRA, please correct me.
     

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