I can't find the exact provision of FCRA that says Hard Inquiries must be suppressed after two years. All I can find is which I interpret as saying the consumer need only be TOLD about inquiries less than 1 year old except for employment purposes, then it's 2 years old. I have a January 2003 Inquiry on Experian just begging to get sued over......
All I could find was this, concerning reporting of inquiries by others to those obtaining limited information via promotional inquiries (they are prohibited): �§ 604. Permissible purposes of consumer reports [15 U.S.C. �§ 1681b] (a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: ... (c) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ... (3) Information regarding inquiries. Except as provided in section 609(a)(5) [�§ 1681g], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. �§ 609. Disclosures to consumers [15 U.S.C. �§ 1681g] (a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [�§ 1681h], clearly and accurately disclose to the consumer: ... (5) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
