Experts! How delete inqs from EQ?

Gosh....I hope someone has something for me. I've got 22 to get rid of!!!!

 

HEY!!!! Where did my post go??????

 

I am currently waiting a response from EQ with a threat to sue over 23 inquiries they keep refusing to consider deleting.

However, I also have about 13 more that I wrote to the original creditor. They either ignored my CRRR letter or called my house being rude, so I turned it over to the BBB.

Let's see what happens with both tactics.

 

This is what I faxed, mailed CRR and sent to Robin Holland & Bob Cutrone via email # Equifax. I will see what comes of it and let you know.

Since March 2001 I have sent numerous letters disputing incorrect information contained on my Equifax Credit Report. Among other items being
disputed were inquiries. I received a notification back when the investigation was completed some items were deleted some were updated along
with an explanation of your policy on inquiries.

In your explanation you state " inquiries are factual record of file access". Are other accounts listed on one's report considered factual reporting of account usage? I would assume and hope so. My Equifax report has contained both adverse and positive account ratings from accounts that were not mine over the years. Could it not be assumed that inquiries can be attributed to one's credit report belonging to an account that is not their account in the first place? I would think so. If you can misplace and misreport accounts, I believe you could do the same with inquiries.

Let me remind you that as a Credit Reporting Agency, Equifax is bounded in the terms set forth in the FCRA. Also let me remind you that under section
§ 611 of the FCRA that you are required to investigate the completeness or accuracy of any item of information contained in a consumer's file, not just items that Equifax deems fit to investigate. This includes Names, Addresses, Account Numbers, Account Balances, etc, etc, and INQUIRIES.
Being that inquiries can have an effect on the FICO statistical model and BEACON score, you are even more obligated to investigate inquiries.
Inquiries pose adverse results in consumer scoring by lower scores and extension of credit by grantors who sometimes deem "too many inquiries with
in a certain amount of hypothetical time adverse" and as a reason for denial.

Again let me remind you § 611 of the FCRA.
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i](a)
Reinvestigations of disputed information.
(1) Reinvestigation required.
(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed
by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the
current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period
beginning on the date on which the agency receives the notice of the dispute from the consumer.

If I have reason to believe that an inquiry was unauthorized I contact the credit-reporting agency, not the creditor. It is not up to me to investigate items on my credit report. Equifax is responsible by choice of being in business as a Credit Reporting Agency to maintain complete and accurate credit files on consumers for its subscribers.

Let me also make Equifax aware that if they are claiming " inquiries are factual record of file access" then they have not only set up the subscribers for lawsuits for a $1,000 per non-permissible inquiry but also enable a suit to filed against Equifax employees for $5,000 and/or imprisonment for per non-permissible inquiry. (§ 620. Unauthorized
disclosures by officers or employees [15 U.S.C. § 1681r] Any officer or employee of a consumer reporting agency who knowingly and willfully
provides information concerning an individual from the agency's files to a person not authorized to receive that information shall be fined under
title 18, United States Code, imprisoned for not more than 2 years, or both.)



I ask you to investigate these inquiries:

list inquiries in question here
No knowledge of inquiry, I have not applied and
do not have an account with them. No permissible purpose.

Let this letter serve notice that failure to investigate these inquiries will result in the filing of a law suit in district court to seek damages from your credit reporting agency for Non permissible Credit Report
disclosures, negligent enablement of identity fraud, reporting incorrect unverifiable information. Also be aware that this letter is also being sent The FTC, My state senators and local state representatives.

 

My understanding is nothing short of a lawsuit will get EQ to take them off. In my dealings with the creditors directly, I have had next to no luck. I have gotten the nastiest letters and phone calls, or lack of response period. EQ says call the creditor. Creditor says call EQ.

I am hoping the BBB reports will get some of these creditors to take them off.

I just don't have the time and money to sue each individual creditor.

 

I would like to see your letter, when written if you don't mind sharing. My email is enabled or you can post it publicly.

 

Please let us know if you have any success with this. I'm in MD, Land of Equifax, so I have more hard inquiries on that report than on the other two combined!

 

The best way to get hards off is to get the creditors to remove them or recode them as INQ (which turns it into a soft). I have successfully forced 3 different creditors to do this and once I had their confirmation they would do it I had to absolutely badger EQ to comply. Twice I had to really apply LOTS of pressure on EQ to do what the creditors were directing them to do but eventually they did. The third one was taken care of by the creditor without me having to deal with EQ.

Mist

 

Using the BBB in the creditor's local areas has assisted me in getting inquiries off TU so far. Am waiting for my most recent EQ dispute to end--disputed 2 inquiries in particular on there where I have involved BBB offices in CA and FL.

I stress to the creditors that just because they received an electronic request for my file does not mean that I gave verbal or written permission--therefore no permissible purpose, so it needs to be removed. The BBB office for NW FL is very on top of things. The woman I am dealing with there emails me once a week for updates! I have sent final letters off to the creditors informing them that I will sue. I threatened last year, now I am making promises!

I had one inquiry removed Sept. last year on EQ by dealing with the company, American Tenant Screening. They called my previous landlord and he agreed to take it off.

cariba

 

I was able to delete 2 old inquiries this week (1 yr old) by stating that I never gave permission (which i truly did not give). I also referred to my previous letter to EQ contesting them. However, my problem are the inquiries I made myseld while cleaning up the CR. There are like 10 of them. Anybody has an idea how to get rid of them? Do they lower my score?

 

Wait one minute... when I request to view my own report it shows up as an inquiry??? WTH!!! I hit myself with a hard inquiry by asking to view the report? Someone please verify.