Hi all, I just saw 3 inquirys on my CRs through emortgagegroup.com I do not know this company and I definatley did not request a mortgage. It obvious they are an internet based company. Is PP different for online inquiries since there is no paper to sign. What if somehow they obtain my SS# else where? Like through these sites that I have been requesting credit reports or something. How can I prove I did not give them my SS#?
If you didn't give them permission, send them a letter demanding that they remove the inquiries. If they refuse, sue them. There's plenty of explainations on this forum of exactly how to go about sending the letter, what to say, etc.
Under the inquiry section of my CR it states: PP= WRITTEN AUTHORIZATION MY FULL NAME MY FULL ADDRESS So it is obvious they got my info somehow, but I did not provide it to them. My question is how can I prove this?
You don't prove it. You send them a letter demanding removal of inquries. If they ignore you or refuse to delete, you sue and make them prove that they did indeed have PP. If they claim that they have your written authorization, then it better be with your original signature on it, otherwise they will have some problems to deal with. If you have never done business with this company, then their chances of proving a PP are slim. Somebody correct me if I am wrong on this. Info: eMortgageGroup.com 41 East 11th Street New York, NY. 10003 Couldn't find anything on them through the Better Business Bureau. PawMix
I pretty much agree with everything Paw says except it "better have your original signature on it", and I only bring this up because you mentioned this appears to be an internet site. http://www.ftc.gov/os/statutes/fcra/landever.htm The FTC is of the opinion that they do recognize electronic submissions AFTER a certain point. That doesn't mean that somebody else didn't use your name, or there was an error, just an FYI. Still, send them a letter.
