This is insane!!! Providian pulled three hard inquires on my TU last year when I applied. Since I only applied once, I called Providian Exec Office to dispute the extras (after TU refused to dispute inquiries). Exec Office finally agreed to contact TU to have the two extra inquiries removed. All good, right? Think again!! Today I received a letter from TU indicating that Providian had contacted them to have inquiries removed that Providian feels are related to fraud and that my name and SS number were used to file fraudulent apps at Providian. It goes on to say that this Fraud Alert will be placed on my file for a period of one year. I then call TU and they state that my report is being handled by the fraud department and they will transfer me. When I get a rep there, they say that they are sorry but nothing can be done to remove the alert, I have no recourse except to wait for it to expire!!! WTF??? How can they do this??? What can I do???? HELP!
PROVIDIAN AND TRANS UNION COMMITTED THE FRAUD!!! Three inquires for ONE application is NOT accurate... Tell TRANS UNION that they will have to pay $1,000 in court if they do not remove the FRAUD ALERT along with the 2 extra inquires... 100% COMPLETE & 100% ACCURATE!!!
Wrong.... You can send a letter to TransUnion enclosing a copy of your drivers license and a copy of a utility bill (I blacked out my drivers license number) and request that the fraud alert be removed. Besides...it was my understanding the only the consumer could place a fraud alert...not a creditor. Sheesh! L
George, TU did delete the two extra inquiries, but added the fraud alert. From the wording of the letter, it is clear that Providian directed them to do so. I will call TU again in the morning... NiceGuy
My Experiences with Providian justify putting a fraud alert on their report! I just stay away from them. Once something goes bad with them everything goes downhill.
