I sent Asset Acceptance a letter about the their impermissible inquiries. The letter was this: The response I got was interesting. Ummm what do I do with this? It looks like he is denying everything and trying to weasle out by saying 'oh you can delete anything you want'... Also as for the electronic tape deal - if they had deleted as they said they did in October of last year - why is it that the delete didnt go through? Grrr... is there no accountability for anyones stupidity? Also I take it that hard and soft as a term is a board thing and not something that is understood? Parul
The terms 'hard' and 'soft inquiries are not a "board" thing. A hard inquiry is that which is made when a creditor pulls your report when deciding whether to extend you credit. A soft inquiry is either an AR (account review) PRM (promotional) or AM (forget which this means off the top of my head), anyhow, no matter how you slice the inquiry, AAC made one. I would fax that letter to the CRA's and advise them they need to remove those inquries made by AAC (even if only soft), because their was no permissible purpose, heck, there couldn't have been, AAC is saying they never made them to begin with. Like I said, I would suggest you faxing that letter to the CRA's demanding they delete anything and everything that has to do with AAC. If you're looking for lawsuit material, that letter would make a wonderful piece of evidence. I'd like to see AAC explain to a judge that they didn't pull your report (what the letter says) yet you've got several inq's from AAC right on your credit file. <edit> How can an attorney for a CA not know what a soft inquiry is? Yikes.
Thanks MC2 - appreciate your insight. Here is a wild one... if I was to take this case to a court and showed credit reports as evidence of those inquiries. They would be entered in as statement of fact. In order to not be responsible for the liability, Asset Acceptance would need to prove that the credit reports has incorrect and false information. Pit the CA against the CRA... heh heh Here is the letter I am planning to write them: Is this too over the top? Thanks all! Parul
Re: Asset Accept's and no permissio Parual, Good luck with Asset. I filed against them on Friday. What a bunch of morons. I gave them every opportunity to fix things. Mommy2cats
It's a good letter, just brush up on the grammar a little. Also, put the inquiry dates in chronological order.
The saga continues... He contradicts himself every letter. One letter he didnt have any inquiries, next there were three, now there were 4 but it was your fault. Is he that dense? Parul
Sounds like he was caught out. This wouldn't happen to be Michael Beach would it? He isn't the brightest. Did the item ever get deleted? I'm confused.
As a matter of fact - it is Michael Beach. The item still remains on my TU report. Should I sue this dim bulb? Parul
hmm, would explain why he hasn't responded to me either... I wish i had time to prepare my filing. My consulting business takes every second, i try to log in remotely periodically to view this board.
